Royal Sundaram General Insurance, a subsidiary of Sundaram Finance, is one of the reputed general insurance firms operating in India. The company offers various health insurance products suitable for both individuals as well as families. Royal Sundaram Lifeline Supreme is a medical insurance plan that offers comprehensive health benefits for policyholders. This policy is available in both individual and family floater variants based on the requirements of the customer.
The eligibility criteria set forth by Royal Sundaram for enrolling in the Lifeline Supreme policy can be given as follows.
Some of the key features of Royal Sundaram Lifeline Supreme can be listed as follows.
|In patient hospitalisation||Covered up to the sum insured limit|
|Day care procedures||Covered up to the sum insured limit|
|Domiciliary hospitalisation||Covered up to the sum insured limit (for treatments exceeding a period of 3 days)|
|Ambulance cover||Up to Rs.5,000 per hospitalisation|
|Organ donor expenses||Covered up to the sum insured limit|
|Reload of sum insured||Up to 100% during a policy year at no extra cost|
|Emergency domestic evacuation||Coverage up to Rs.1 lakh for emergency transportation from one hospital to another|
|No-claim bonus||20% per claim-free year subject to a maximum of 100% of the sum insured|
|Vaccination for animal bite||Up to Rs.5,000|
|AYUSH treatment||Up to the full sum insured limit in government hospitals Up to Rs.30,000 in other hospitals|
|Health & Wellness||OPD consultations, diagnostic tests, gymnasium memberships, and wellness consultations at a discount rate|
|Hospital cash (optional)||Up to Rs.2,000 per day for a maximum of 30 days|
There are certain exclusions for which Royal Sundaram is not liable to compensate the insured person. Some of these exclusions can be listed as follows.
Royal Sundaram operates a capable claims department to take care of the claim requests from its customers. For planned hospitalisation, policyholders must inform the company at least 48 hours prior to admission in a hospital. Policyholders who face situations of emergency hospitalisation can notify the company within 24 hours after admission.
Cashless treatment: Policyholders must contact the third-party administrator (TPA) in order to obtain pre-authorisation for treatment. The TPA will verify the submitted documents and issue the authorisation within 3 hours. Any deficiency in documents will also be communicated to policyholders. It must be noted that only hospitalisation charges are covered in cashless claims. The policyholder must pay for all non-medical expenses incurred.
Reimbursement claims: For reimbursement claims, the policyholders must provide all the proofs of hospitalisation within 30 days after discharge from the hospital. Some of the required documents include medical bills, physician certificate, discharge certificate, diagnostic reports, any other documents requested by the TPA, etc. Once the documents are received, the company will process the claim request. If the claim is rejected by the company, it will be communicated to the insured within 7 days along with the reason. Following the acceptance of the claim, Royal Sundaram will provide the settlement amount within 30 days.
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