Royal Sundaram is a renowned general insurance service provider with a range of health insurance plans in its lineup. The company has plans suitable for people with different requirements. Royal Sundaram Lifeline Classic Policy is an affordable health insurance cover developed for individual and families in the middle income category. This plan provides comprehensive protection against various unexpected medical threats.
People who meet the following eligibility criteria can avail Royal Sundaram Lifeline Classic Policy:
Some of the notable features of Royal Sundaram Lifeline Classic Policy can be listed as follows:
The benefits available under this medical insurance policy can be given as follows:
|Benefits||Extent of Coverage|
|Inpatient hospitalisation expenses||Covered up to the sum insured limit|
|Day care treatment||Covered up to the sum insured limit for all procedures|
|Organ donor expenses||Covered up to the sum insured limit|
|Domiciliary treatment||Covered up to the sum insured limit|
|AYUSH treatment||Government facilities - Up to the sum insured limit Other facilities - Up to Rs.20,000|
|Emergency ambulance cover||Up to Rs.3,000|
|No claim bonus||10% of the sum insured amount per claim-free year subject to a maximum of 50% of the sum insured amount|
|Automatic reload of sum insured||100% reload of the sum insured at no extra cost after complete exhaustion of the sum insured amount (once per policy year)|
|Health checkup||Available once every 3 claim-free years|
|Hospital cash allowance (optional)||Rs.1,000 per day for up to 30 days (for hospitalisation beyond 2 days)|
|Top-up plan (optional)||Multiple deductible options of Rs.1 lakh to Rs.10 lakh|
Some of the key exclusions of Royal Sundaram Lifeline Classic Policy can be listed as follows:
In case of an event that may result in hospitalisation, the insurer must be intimated right away. The company must be intimated at least 48 hours before planned hospitalisation or within 48 hours of emergency hospitalisation. Cashless treatment can be availed in any of the company’s 3,000+ network hospitals located in different parts of the country.
For cashless claims, pre authorisation must be obtained from the third-party administrator managing the claims. Claims forms can be obtained from the network hospital itself. Duly filled authorisation request form, along with the policy details, can be sent to the TPA through fax or email. The TPA will check the validity of the claim and provide the authorisation within a maximum of 4 hours for all valid claims. In case of rejection, the hospital will be notified within 2 hours along with a valid reason.
Reimbursement claims can be filed within 30 days from the date of discharge from the hospital. The claim form must be submitted along with various documents like medical bills, discharge summary, diagnostic reports, physician certificate, prescriptions, etc. The company’s customer care department can be contacted for the complete list of required documents. In case of any discrepancies in the documents, the company will notify the policyholder within a maximum of 7 days. Following the successful acceptance of the claim, the company will provide the settlement amount within a maximum of 30 days from the date of submission of documents.
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