Royal Sundaram Health Insurance for Senior Citizens
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*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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Royal Sundaram Health Insurance for Senior Citizens
Royal Sundaram Health Insurance for senior citizens provides medical coverage to elderly people aged 60 years and above. The Lifeline insurance plan by Royal Sundaram General Insurance Company Limited covers the medical expenses of senior citizens and is available in three variants – Classic, Supreme and Elite plans.
Key Benefits of Royal Sundaram Health Insurance for Senior Citizens
Take a look at the key benefits of Royal Sundaram Health Insurance for senior citizens:
- Coverage for COVID-19 hospitalization available
- Both individual and family floater coverage available
- A wide range of sum insured options starting from Rs 2 lakh to Rs 1.5 crore
- Free health check-up facility available
- Preventive healthcare & wellness and diseases management services available
- Double the sum insured with No Claim Bonus after 5 consecutive claim-free years
- Cashless hospitalization facility at more than 5000 network hospitals across India
- 100% reload of the sum insured if exhausted partially or completely
- 5% & 12% discount on opting for 2 years or 3 years policy tenure respectively
- Tax benefits available under Section 80D of the IT Act
Royal Sundaram Health Insurance Plans for Senior Citizens
Check out the Royal Sundaram health insurance plans available for senior citizens:
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Plan Name |
Sum Insured (Rs) |
Co-Payment |
|
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Royal Sundaram Lifeline Classic Health Insurance Plan |
2 lakh to 4 lakh |
NA |
|
|
Royal Sundaram Lifeline Supreme Health Insurance Plan |
5 lakh to 1 crore |
NA |
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Royal Sundaram Lifeline Elite Health Insurance Plan |
25 lakh to 1.5 crore |
20% (For international treatment claims) |
Eligibility Criteria for Royal Sundaram Health Insurance for Senior Citizens
The following table shows the eligibility criteria for elderly parents to buy a Royal Sundaram Health Insurance plan for senior citizens:
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Categories |
Eligibility Criteria |
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Minimum Entry Age |
18 years |
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Maximum Entry Age |
No age limit |
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Family Members Covered |
Self, spouse |
|
Renewability |
Lifetime |
Choose Health Insurance Company for Senior Citizens
Inclusions of Royal Sundaram Health Insurance for Senior Citizens
The following coverage is available under Royal Sundaram Health Insurance for senior citizens:
- In-patient Care
- Pre-hospitalization Expenses
- Post-hospitalization Expenses
- AYUSH Treatment
- Day Care Procedures
- Ambulance Cover
- Organ Donor Expenses
- Domiciliary Hospitalization
- Animal Bite Vaccination
- Emergency Domestic Evacuation (Excluded under Classic plan)
- Worldwide Emergency Hospitalization excluding US & Canada (Only under Elite plan)
- International Treatment for Listed Critical Illness excluding US & Canada (Only under Elite plan)
- Second Opinion for Listed Critical Illness (Excluded under Classic plan)
- OPD Treatment (Only under Elite plan)
- Maternity Cover (Only under Elite plan)
- New Born Baby Cover (Only under Elite plan)
- New Born Baby Vaccination for First Year (Only under Elite plan)
- In-patient Care for Pre-existing Diseases under Life-threatening Conditions (Excluded under Classic plan)
- Bariatric Surgery (Excluded under Classic plan)
- Mobility Devices (Excluded under Classic plan)
- IVF Treatment (Only under Elite plan)
Optional Covers:
- Hospital Cash Benefit
- Extension of Worldwide Emergency Hospitalization & International Treatment including US & Canada (Only under Elite plan)
- Top-up Plan (Excluded under Elite plan)
Exclusions of Royal Sundaram Health Insurance for Senior Citizens
Royal Sundaram Health Insurance plans for senior citizens exclude the following coverage:
- Obesity/weight control procedures
- Treatment of alcoholism or drug abuse
- Cosmetic or plastic surgery
- Dietary supplements purchased without a doctor’s prescription
- Artificial life maintenance
- Refractive error
- Self-inflicted injuries
FAQs
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Q1. What are the waiting periods under Royal Sundaram Health Insurance for senior citizens?
Ans: Royal Sundaram Lifeline insurance plan comes with the following waiting periods:
- Initial Waiting Period – 30 days
- Initial Waiting Period for Critical Illness – 90 days
- Pre-existing Diseases Waiting Period – 48/36/24 months (as per the plan variant)
- Maternity Benefits Waiting Period – 36 months
- Specific Waiting Period for 16 Illnesses – 24 months
- Bariatric Surgery Waiting Period – 48/72 months (as per the plan variant)
- IVF Treatment Waiting Period – 48 months
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Q2. Can I enhance the sum insured under Royal Sundaram Health Insurance for senior citizens mid-term?
Ans: No. You cannot enhance the sum insured under your Royal Sundaram Lifeline insurance policy in between the policy year.
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Q3. How to check the premium of Royal Sundaram Health Insurance for senior citizens?
Ans: You can check the premium for the Royal Sundaram Lifeline insurance policy by using a health insurance premium calculator on Policybazaar.com or by referring to its premium chart on the insurer’s website.
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