| Minimum Entry Age | 91 days for dependent children and 18 years for adults/proposers |
| Maximum Entry Age | 25 years for dependent children and no restriction on maximum entry age for adults |
| Policy Type | Individual or Floater Plans |
| Family Coverage |
|
| Policy Tenure | For the purpose of calculating premium, the country has been split into two zones:
|
| Renewal Conditions | Lifetime Renewability |
| Grace Period | 30 days from date of expiry to renew the policy |
| Free Look Period | 15 days |
| Classic | Supreme | Elite | |
|---|---|---|---|
| Sum Insured(SI) in ₹ INR | 2,00,000 / 3,00,000 / 4,00,000 | 5,00,000 / 10,00,000 / 15,00,000 / 20,00,000/ 50,00,000 | 25,00,000 / 30,00,000 / 50,00,000 / 1,00,00,000 / 1,50,00,000 |
| Baseline Cover Benefits | |||
| Inpatient Care | Covered up to SI | Covered up to SI | Covered up to SI |
| Pre and post hospitalization expenses | 30/60 days, Covered upto SI | 60/90 days, Covered upto SI | 60/180 days, Covered upto SI |
| All Day care procedures | Covered up to SI | Covered up to SI | Covered up to SI |
| Ambulance Cover | Up to Rs.3,000 | Up to Rs.5,000 | Up to Rs.10,000 |
| Organ Donor Expenses | Covered up to SI | Covered up to SI | Covered up to SI |
| Other Benefits | |||
| Domiciliary Hospitalization | Covered upto SI | Covered upto SI | Covered upto SI |
| No Claim Bonus | 10% of Base SI upto a max of 50% of SI | 20% of Base SI upto a max of 100% of SI | 20% of Base SI upto a max of 100% of SI |
| Re-load of Sum Insured | Covered upto SI | Covered upto SI | Covered upto SI |
| Ayush Treatment | Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.20,000 | Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.30,000 | Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.50,000 |
| Vaccination in case of Animal Bite | Upto Rs.2,500 | Upto Rs.5,000 | Upto Rs.7,500 |
| Emergency Domestic Evacuation (Bed to Bed on advise of treating doctor) | Not Covered | Covered upto Rs.1lac | Covered upto Rs.3lacs |
| Worldwide Emergency Hospitalization-Excluding US and Canada | Not Covered | Not Covered | 50% of Base SI upto max of Rs.20lacs; Deductible of $1,000 per hospitalization |
| International Treatment abroad for specified 11 critical illnesses Excluding US and Canada | Not Covered | Not Covered | Covered upto SI Return Airfare covered upto Rs.3 lac |
| Health & Wellness Benefits | |||
| Health Check-up | Available once every 3rd policy year | Annual | Annual |
| Preventive Healthcare & Wellness | Available | Available | Available |
| Second Opinion for 11 specified Critical Illness | Not Covered | Available once during the policy year | Available once during the policy year |
| OPD Treatment | Not Covered | Not Covered | Upto Rs.10,000 |
| Maternity Benefits | |||
| Maternity cover for up to 2 deliveries | Not Covered | Not Covered | For SI upto Rs.50lacs - Rs.2lacs For SI > Rs.50lacs - Rs.2.5lacs |
| New Born Baby Cover | Not Covered | Not Covered | 25% of SI |
| Vaccinations for new born baby in the first year | Not Covered | Not Covered | Covered upto 10,000 |
| Waiting Period | |||
| Initial Waiting Period | 30 days | ||
| Initial Waiting Period - Critical Illness | 90 days | ||
| Waiting Period - Maternity | 36 months | ||
| Waiting Period - For Pre existing Diseases | 48 months | 36 months | 24 months |
| Optional Benefits | |||
| Top-up plan on annual aggregate basis | Deductible of Rs.1, 2, 3, 4, 5 and 10 lacs | Deductible of Rs.1, 2, 3, 4, 5 and 10 lacs | Not Available |
| Hospital Cash (for 30 days in case of hospitalization beyond 2 days) | Rs.1,000/day | Rs.2,000/day | Rs.5,000/day |
| Option to include US and Canada for Worldwide Emergency Hospitalization and International Treatment for 11 specified Critical Illness | Not Available | Not Available | Available |
Review Royal Sundaram Lifeline Health Insurance insurance brochure to understand coverage details.
Know more »Fill the online Royal Sundaram Lifeline Health Insurance insurance proposal form.
Review Royal Sundaram Lifeline Health Insurance policy wordings which explains the terms and conditions.
Know more »You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque
Know more »Royal Sundaram Network hospitals list. Cashless & Hassle-free direct claim settlement with us at 5,000+ Hospitals
Know more »Compare Indian health insurance policies, Health insurance India comparison
Know more »Insurance customers can quickly compare the details of benefits offered under Indian mediclaim insurance policies.
Know more »FAQ related to Indian health insurance. Get answers for any health insurance questions
Know more »
India health insurance tips and tricks to choose the best medical insurance in India Click here to read more
Find out the different reasons why a medical insurance claim is rejected, Cashless hospitalization, Reimbursement. Click here to read more
Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more
