Royal Sundaram Lifeline Elite Policy is the high-end variant among the Lifeline plans offered by the company. This policy is mainly intended for high-income individuals and families who wish to have access to the best healthcare facilities in the country. This is a comprehensive cover that provides protection against various medical threats commonly faced by policyholders. Being a high-end cover, this policy comes with a range of value-added benefits that are not available in classic and supreme plans.
The eligibility criteria outlined by the company for enrolling in Royal Sundaram Lifeline Elite Policy can be listed as follows:
Some of the notable features of Royal Sundaram Lifeline Elite Policy can be listed as follows:
The benefits available under this medical insurance policy can be given in the following table:
|Benefit||Extent of Coverage|
|Inpatient hospitalisation expenses||Covered up to the sum insured limit|
|Day care treatment||Covered for all procedures up to the sum insured limit|
|Emergency ambulance cover||Actual expenses subject to a maximum of Rs.10,000|
|Outpatient treatment||Up to Rs.10,000 per policy year|
|Domiciliary treatment||Covered up to the sum insured limit|
|Organ donor expenses||Covered up to the sum insured limit|
|Automatic reload of sum insured amount||100% reload after full exhaustion of the sum insured amount (once in a policy year)|
|Second opinion for the 11 named critical illness||Available once in a policy year|
|No claim bonus||20% of the sum insured amount per claim-free year subject to a maximum of 100% of the sum insured amount|
|AYUSH coverage||Government hospitals - Up to the sum insured limit Private hospitals - Up to Rs.50,000|
|Vaccination for animal bite||Up to Rs.7,500|
|Emergency domestic evacuation||Up to Rs.3 lakh|
|Worldwide emergency hospitalisation (excluding the United States and United Kingdom)||Up to 50% of the sum insured amount subject to a maximum of Rs.20 lakh|
|International treatment for the 11 named critical illness||Covered up to the sum insured limit with Rs.3 lakh allocated for airfare|
|Free health checkup||Available for every claim-free year|
|Daily hospital cash (optional)||Rs.5,000 per day for up to 30 days for hospitalisation over 2 days|
Some of the exclusions applicable to Royal Sundaram Lifeline Elite Policy can be given as follows:
To initiate the claim procedure, the company must be intimated in case of an unexpected hospitalisation event. It is better to inform the insurer at least 72 hours ahead of planned hospitalisation. In case of emergency hospitalisation, the company can be informed within 24 hours of hospitalisation.
Cashless treatment can be availed in any of the 3,000+ network hospitals located in different parts of the country. Pre authorisation can be sent from the hospital through the authorisation form obtained from the hospital. The company’s helpline can be contacted for any assistance in the request filing process. Once the authorisation request is filed, the third-party administrator (TPA) will verify the request and provide the authorisation within a maximum of 3 hours.
For reimbursement claims, the claim must be filed within 30 days from the date of discharge from the hospital. While filing the claim, it is necessary to submit various documents including claim request form, medical bills, discharge summary, prescriptions, diagnostic reports, physician certificate, etc. After the submission of all these documents, the company will notify the acceptance or rejection of the claim within a maximum of 7 days from the date of receipt of all the documents. Upon acceptance, the settlement amount will be paid within a maximum of 30 days.
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