Royal Sundaram Lifeline 'Classic' Health Insurance Plan

Eligibility age

Minimum age - 91 days for dependent children and 18 years for proposer or adults Maximum age - 25 years for dependent children and lifetime entry age for adults.

Policy Type

Individual or Family Floater

Family Coverage

Self, spouse and up to 4 dependent children Separate floater plan can be taken for parents or other dependents

Policy term

Option of 1 year, 2 years as well as 3 years

Renewability

Lifetime renewability

Renewal Premium

Premium payable on renewal based on the age at the time of renewal

Grace Period for Renewal

30 days from the date of expiry to renew the policy

Sum Insured

Minimum sum insured - Rs 2 lakh Maximum sum insured - Rs 4 lakh

Cover offered

1. Inpatient care covered up to Sum Insured
2. Pre And Post Hospitalisation Expenses for 30 to 60 days covered up to Sum Insured
3. All Day Care Procedures covered up to Sum Insured
4. Ambulance Cover up to Rs 3,000
5. Organ Donor Expenses covered up to Sum Insured

Discounts

1. Discount of 7.5% if the policyholder opts for a 2 year tenure
2. 12% if the policyholder opts for a 3 year tenure

Benefits

1. Domiciliary Hospitalisation covered up to Sum Insured
2. No-Claim Bonus - 10% of Base Sum Insured up to a max of 50%
3. Income Tax Saving on Premium Paid Under Section 80D of the IT Act
4. Reload of Sum Insured up to Base Sum Insured
5. After purchasing the policy, the policyholder can cancel and return the policy during the free look-in period of 15 days

Added Benefits

1. Ayush Treatment - Covered up to Sum Insured in Government Hospitals and up to Rs 20,000 in other hospitals
2. Vaccination in case of animal bite covered up to Rs 2,500

Health and Wellness Benefits

1. Health Check-up once in two years
2. Preventive Healthcare & Wellness option available

Customer Level Options

Top-up plan on Annual Aggregate Basis - Deductible of Rs 1 lakh, 2 lakh, 3 lakh, 4 lakh, 5 lakh and 10 lakhs Hospital Cash (For 30 days in case of hospitalisation beyond 2 Days) - Rs 1,000 per day

Exclusions

1. The policy does not cover addictive conditions and disorders
2. Diseases contracted by the insured person within first 30 days after the commencement of policy are excluded from claims
3. Pre-existing medical conditions as mentioned in the policy and declared by the insured at the time of purchasing policy will be covered only after 48 months of uninterrupted policy coverage
4. The policy does not offer cover for dental and oral treatment
5. Ancillary hospital charges as well as cosmetic surgery are not covered
6. AIDS is not covered under the policy
7. X-Ray or Laboratory charges are not covered
8. The policy does not cover conflicts and disasters
9. Treatment received outside India is not covered under this plan