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Royal Sundaram Lifeline Elite Plan is the only health insurance you need now! Why? Let's understand this with an example.
Rahul and Aditya went on an international tour in the USA. They met with an accident while traveling by cab from New York City to Manhattan. There was a major issue for Aditya as he didn't plan for such an event. Rahul, on the other hand, was not worried about the treatment expenses. Why?
Aditya's basic health insurance policy provided accidental coverage in India only, but Rahul's Royal Sundaram Lifeline Elite plan covered him. It covered all the treatment expenses related to accidental emergency hospitalization (with additional international coverage), and he had to pay almost nothing, unlike Aditya.
Analysis
This example conveys that the Royal Sundaram Lifeline Elite health insurance plan comprehensively covers worldwide emergencies along with basic medical expenses related to pre and post-hospitalization, domiciliary and in-patient hospitalizations, all daycare procedures, OPD, organ donor expenses, ambulance cover, and more.
Additionally, it covers 11 specified critical illnesses, an emergency domestic evacuation facility, health and wellness benefits, and much more. You can also buy an extra layer of protection with the Elite Plus cover, ensuring coverage anytime, anywhere, even internationally!
So, who would you rather be? Aditya with an ordinary life or Rahul with an extraordinary life?
| PLAN DETAILS |
Royal Sundaram Lifeline Elite |
Galaxy Twin 360 |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | COVERED |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | COVERED |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | COVERED |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | COVERED |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | COVERED |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | COVERED |
| Hospital_network (Number of Hospital Network in city) |
10000 | 3216 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | COVERED |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | COVERED |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | COVERED |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | COVERED |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | COVERED |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | COVERED |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | NOT COVERED |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | NOT COVERED |
| Plan Entry Age | 18 to 65 Years | Adult: 18 years Children: 90 days |
| Plan Premium Entry Age and S/A | 21,600 | Upto Rs. 35 lakh |
| Plan Waiting Period | 30 | 30 days |
| Plan Coverage | - | Room rent, Road ambulance, ICU, Daycare procedures, AYUSH treatment |
| Plan Sample Premium | N/A | 6,000 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1/2/3/4/5 years |
| ICU Charges | - | COVERED |
| Covid-19 Treatment | Covered | NOT COVERED |
| Cataract | Covered | COVERED |
| Automatic Restoration | Covered | COVERED |
| Ayush Treatment | Covered | COVERED |
| Modern Treatment | Not Covered | COVERED |
| E Consultation | Not Covered | COVERED |
| Air Ambulance | Not Covered | NOT COVERED |
| Global Coverage | Covered | NOT COVERED |
| Claim Ratio | 96.17 | 98.9 |
| Solvency Ratio | 2.20 | 4.70 |
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