Royal Sundaram Lifeline 'Elite' 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 25 lakhs Maximum sum insured - Rs 150 lakhs

Cover Offered

1. Inpatient care covered up to Sum Insured
2. Pre And Post Hospitalisation Expenses for 60 to 180 days covered up to Sum Insured
3. All Day Care Procedures covered up to Sum Insured
4. Ambulance Cover up to Rs 10,000
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 - 20% of Base Sum Insured up to a maximum of 100%
3. Income Tax Saving on Premium Paid Under Section 80D of the IT Act
4. Emergency domestic evacuation covered up to Rs 3 lakhs
5. Worldwide emergency hospitalisation (Excluding USA and Canada) - 50% of Base Sum Insured upto a maximum of Rs 20 lakhs and deductible of $1,000 per hospitalisation
6. International treatment abroad for specified 11 critical illnesses along with one-time return airfare for insured person (excluding USA and Canada) - Covered up to Sum Insured and airfare covered up to Rs 3 lakhs
7. Reload of Sum Insured up to Base Sum Insured
8. 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 50,000 in other hospitals
2. Vaccination in case of animal bite covered up to Rs 7,500

Health and Wellness Benefits

1. Health Check-up once a year
2. Preventive Healthcare & Wellness option available
3. Second Opinion for 11 specified Critical Illness - Available once during the policy year
4. OPD Treatment covered up to Rs 10,000

Customer Level Options

Hospital Cash (For 30 days in case of hospitalisation beyond 2 Days) - Rs 5,000 per day Option available to Include US and Canada for worldwide emergency hospitalisation and international treatment for 11 specified critical illnesses

Exclusions

1. The policy does not cover addictive conditions and disorders
2. Any claim other than accidents arising within the first 30 days after the policy commences will be exempted from claims
3. Cataract, knee/hip replacement, chronic renal failure etc are not covered under this policy
4. Diseases contracted by the insured person within first 30 days after the commencement of policy are excluded from claims
5. 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 24 months of uninterrupted policy coverage
6. Critical Illness that are contracted by the insured person within first 90 days after the commencement of policy will not be considered for claims
7. The policy does not offer cover for dental and oral treatment
8. Ancillary hospital charges as well as cosmetic surgery are not covered
9. AIDS is not covered under the policy
10. X-Ray or Laboratory charges are not covered
11. The policy does not cover conflicts and disasters
12. Treatment received outside India is not covered under this plan