Royal Sundaram Lifeline Classic Plan

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      Royal Sundaram Lifeline Classic Plan

      It can be financially and emotionally distressing if any of the family members gets hospitalized. Dealing with such medical emergencies can take a toll on our own health and finances. Royal Sundaram Health Insurance can offer you peace of mind during such trying times. You can get the best medical treatment at any of their network hospitals in your vicinity with Royal Sundaram Lifeline Classic Plan.

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      Features of Royal Sundaram Lifeline Classic Plan

      The advantages of staying insured under this plan are as follows:

      • Policy tenure ranges from 1 to 3 years
      • It is an all-inclusive health insurance policy
      • The plan offers lifetime renewability option
      • There is a grace period of 30 days to renew your policy
      • Easy cancellation and purchase process
      • Both Individual and family floater option available
      • Quick and Hassle-free claim settlement process

      Inclusions of Royal Sundaram Lifeline Classic Plan

      The plan reimburses the following medical expenses:

      • Inpatient hospitalization expenses including doctor fees, medical tests, operation theater charges, nursing and boarding charges, cost of medicines, ICU charges, and vaccinations. Blood oxygen and other charges are also covered
      • No-claim bonus
      • Pre-hospitalization charges to be covered for 30 days and Post-hospitalization charges to be covered for 60 days ( up to the sum assured limit)
      • Daycare treatments are reimbursed up to the sum insured limit ( OPD charges are excluded)
      • Ambulance charges to be covered up to Rs.3,000
      • Emergency domiciliary hospitalization expenses are also recompensed
      • 10-50% of sum assured as No-claim bonus ( if no claim is filed during a policy term)
      • Organ donor treatment expenses to be recompensed up to the sum insured limit
      • After every 3rd year of the policy, the policy offers complete health check-up facility
      • Preventive healthcare and wellness facility
      • 100% restoration of the sum insured, upon exhaustion of the sum assured during treatment of different diseases
      • AYUSH treatment expenses in a government hospital (up to the sum assured). In other hospitals, the limit is up to Rs.20,000
      • Vaccination for the animal bite is covered up to Rs.2,500

      Sum Insured Options

      • Minimum: Rs. 2 lakhs
      • Maximum: Rs. 4 lakhs
      • Adults: 18 years & above Children:  91 days to 25 years

      Exclusions of Royal Sundaram Lifeline Classic Plan

      The insurer is not liable to pay any expenses for the following medical conditions under the Lifeline Classic health insurance plan. Mentioned below are the health conditions that are  

      • Maternity expenses
      • Pre-existing illnesses that are mentioned at the time of policy purchase will be covered after completion of 48 months of the policy period
      • Claims are invalidated in case of any gap in the renewal
      • Diseases that are diagnosed within the initial 30 days from the policy commencement date are excluded from the policy
      • Surgeries such as Benign Prostatic Hypertrophy, Cataract, End Stage Renal Failure, Knee/Hip Replacement surgeries are excluded until completion of 2 years of the policy period.

      Permanent exclusions

      The plan does not cover the expense incurred on the following medical conditions:  

      • Medical cover availed due to Addictive Conditions and Disorders, Adventure or Hazardous Sports
      • Puberty and Ageing
      • Alternative Treatment (except AYUSH)
      • Convalescence and Rehabilitation
      • Charges for Medical Papers
      • Congenital Conditions
      • Conflict and Disaster
      • Cosmetic Surgery
      • Eyesight Treatment
      • Drugs and Dressing for OPD Treatment
      • Wellness Clinics
      • HIV and AIDS
      • Hereditary Conditions
      • Obesity
      • OPD Treatment
      • Hospitalization for Investigative or observational purpose only
      • Personal comfort and convenience items
      • Psychiatric and Psychosomatic Conditions
      • Reproductive Medicine
      • Circumcision
      • Dental/Oral Treatment
      • Preventive Care
      • Sexually Transmitted Diseases
      • Self-inflicted Injuries
      • Sexual problems and gender issues
      • Sleep Disorders
      • Stem Cell Implantation
      • Speech Disorders
      • Alopecia treatment
      • Artificial Life Maintenance
      • Treatment for developmental problems
      • Treatment received in an International hospital
      • Experimental/ Unproven treatment
      • Treatment from an Unrecognized Physician or Hospital
      • Injury or illness resulting due to involvement in an unlawful activity

      Royal Sundaram Lifeline Classic Plan Claim Procedure

      There are two types of claim that you can register:

      • Health Insurance Reimbursement Claim
      • Cashless Health Insurance Claim

      You can only avail cashless benefit at a network hospital.  The list of network hospitals is available on the insurer’s site.

      The process for both cashless and reimbursement claims is different and is explained in detail below:

      Royal Sundaram Health Insurance Claim Intimation

      For claim intimation you need to furnish the following information:

      • Name of the hospital
      • Royal Sundaram health policy number
      • Nature of illness
      • Contact details of the policyholder, residential address, email id, landmark, etc.
      • Name of the patient or insured member who is availing the treatment
      • Relationship of the insured with the patient
      • The date when the illness started to give its initial symptoms
      • For claims related to accidental injuries, you would need to provide the time, date, location and details of the incident

      Royal Sundaram Health Insurance Cashless Claim Procedure

      • For planned hospitalization claims, you need to inform your Third-party administrator about the treatment and seek cashless authorization within 72 hours of hospitalization.
      • In case of an unforeseen hospitalization, inform the TPA within 24 hours of getting hospitalized.
      • Firstly you will need to fill the cashless authorization form; you can get it from the TPA. All the details and your eligibility criteria will be checked before sanctioning your claim request.
      • Attach all the necessary documents along with the duly filled claim form and submit it to the TPA department. In case of any query or discrepancy, the TPA will get in touch with you within few hours of receiving the form.
      • Make the payment for the expenses that are not covered in the plan
      • If your claim is invalidated, the insurer will issue a rejection letter in your name within 2 hours.

      Royal Sundaram Health Insurance Reimbursement Claim Procedure

      The claim procedure for medical treatment taken in a non-network hospital is listed below:

      • Fill and sign the claim form. You need to submit it within 30 days of getting discharged from the hospital
      • If all goes well, then you will get compensation equal to your claim amount within 30 days of registering the claim
      • If your claim is rejected, then the insurer will issue a rejection letter in your name within 7 days
      • The amount will be settled in the name of the proposer/applicant
      • The documents shall be submitted at the nearest branch office
      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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