5 Min Review of Royal Sundaram Life Line Health Insurance Policy
Comments on Key design and service features of Lifeline are as mentioned below:
- Lifeline offers 3 different plans – Classic, Supreme and Elite. Sum Insured offered under these plans is as mentioned below:
- Classic – Rs.2lacs, Rs.3lacs, Rs.4lacs ( Low cost , No cap Policy)
- Supreme – Rs.5lacs, Rs.10lacs, Rs.15lacs, Rs.50lacs ( Nominal Pricing, Great Features)
- Elite – Rs.25lacs, Rs.30lacs, Rs.50lacs, Rs.100lacs, Rs.150lacs ( High Cover at low price)
My view:- While Classic Plan offers similar benefits like other health insurance plans available in market, Supreme and Elite offer much more comprehensive coverages like Second Opinion for Critical Illness, International Treatment for 11 Critical Illness, Worldwide Emergency Hospitalization, etc to provide a very comprehensive coverage to customer Wide range of Sum Insured – from Rs.2lacs to Rs.1.5cr
- No upper age limit for enrollment in policy- Senior Citizen can Buy with No Limits
- Provides coverage for International Treatment for 11 specified illnesses upto Sum Insured along with return airfare upto Rs.3lacs Its good feature for frequent short trip travellers
- Access best class healthcare facilities with no capping in terms of Room Rent, disease specific sublimits, etc . Simple Policy , No Sub Limits , Great Features
- Reload of Sum Insured – In case customer has utilized the entire sum insured, then sum insured will be automatically reloaded at no extra cost which can be used for different illness . Its good for a big family.
- Maternity Benefit including cover for New Born Baby and vaccination for new born baby . ELITE Customer can get 200000 maternity cover
- OPD Treatment covering the expenses incurred on doctor’s consultation, medicines, diagnostic tests, etc ELITE Customer can get 10000 per year on OPD
- Accelerated 20% Annual No Claim Bonus which helps in doubling your Sum Insured in 5 claim free year period (Supreme & Elite). In Classic, your sum insured will increase by 50% . This bonus is Guaranteed
- Coverage not limited only to Allopathic treatment. You can also take treatment under Ayurveda, Homeopathy in case of hospitalization AYUSH Full Covered
- Health check-up for insured members – irrespective of claims history Annual Health Checkup is a good way of preventive health care
- Covers all day care procedures so that customer need not to worry if something is covered or not. That is beauty im simplicity, as no list of Day care Procedures. All are covered.
- Domestic Evacuation in case of emergency for Supreme and Elite
- Second Opinion for 11 specified Critical Illness for Supreme and Elite
- Cashless hospitalization across 3500+ network hospitals across India
- Easy documentation and hassle free claim settlement
- One sum insured covering all family members
- Zonal Pricing depending upon the location of your stay. Pay less if you do not stay in Metro Cities and Gujarat State.