Royal Sundaram Health Insurance
Comprehensive health insurance covers road traffic accidents and assis ...Read More
A quick read on what this Royal Sundaram Health Insurance plan covers and why it might be a fit for you.
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?
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
A quick honest summary — the strengths and the trade-offs.
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
The Lifeline Elite plan by Royal Sundaram offers multiple healthcare benefits and other value-added covers that make it stand out. Read below the benefits you'll get with it:
If there's an emergency abroad that requires quick hospitalization (excluding the USA and Canada with the base cover), the medical expenses will be covered under the policy. By paying an additional cost, you can get worldwide emergency hospitalization for the USA and Canada as well.
In the event of an illness specified in the policy documents or an accident, the insurer will cover expenses related to emergency evacuation from one hospital to another.
Avail a specified tax benefit against all the premiums you've paid for your RS Lifeline Elite plan, under Section 80D of the Income Tax Act of India.
The insured individuals can avail of coverage benefits for 11 specified critical illnesses abroad, and all treatment costs will be paid by your Royal Sundaram Lifeline Elite policy. Treatment can be taken worldwide (the USA and Canada can be covered with additional premiums). The airfare to return to India after treatment will be reimbursed up to INR 3 Lakhs.
Below are the 11 specified critical illnesses covered by this plan:
Note: All of these critical illnesses' claims will be covered after a mandatory co-payment of 20%.
This is an additional benefit cover that helps you get the maximum out of your Lifeline Elite plan. Here are the benefits available under Elite Plus:
What the plan pays for, and what it doesn't.
Eligibility criteria pulled straight from the policy wording.
Royal Sundaram Lifeline Elite plan is specially designed for those who are likely to travel abroad and want extended healthcare services from their insurer. Policyholders can also avail of extra benefits over the base cover with the Elite Plus option. The worldwide emergency hospitalization benefit of this policy is an outstanding cover that you might require anytime while traveling outside India.
This policy is not limited to these benefits only! To know more about the Royal Sundaram Lifeline Elite plan, reach out to us at 1800 4200 269 for expert guidance.
The 5 most-asked questions about Royal Sundaram Lifeline Elite Plan, answered.
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