Royal Sundaram Lifeline Supreme Plan
Brief Overview: Royal Sundaram Lifeline Supreme Plan
Royal Sundaram General Insurance Co. Limited was erstwhile known as Royal Sundaram Alliance Insurance Company Limited. The company was the first general insurance company in the private sector that received its license by IRDAI, Insurance Regulatory and Development Authority of India in the year 2000.
Since its inception, Royal Sundaram has offered various insurance solutions to its customers. With over 2,000 employees in the company and more than 150 branches all over India, the company has carved a niche for itself in the Indian insurance market.
Royal Sundaram provides multiple health insurance plans that not only offer wide coverage but are available at affordable prices. These plans offer varied benefits that help you deal with health issues that can otherwise burn a big hole in your pocket. One such plan offered by the company is the Royal Sundaram Lifeline Plan.
This plan along with a comprehensive cover also offers various health and wellness benefits. With a wide range of sum insured options, the plan can be a well-suited plan for anyone who wishes to keep himself and his family prepared for medical urgency. Royal Sundaram Lifeline plan comes in 3 different variants- Classic, Supreme and Elite. In this article, we will discuss the various aspects of the Supreme Variant.
Best Features of Royal Sundaram Lifeline Supreme Plan
- The Lifeline Supreme Plan offers you a sum insured ranging from INR 5 lakhs to INR 50 lakhs
- In case the sum insured gets exhausted, under the Supreme variant, you can get a 100% of re-load of the sum insured
- All day-care procedures are covered
- The policy covers 60 and 90 days of pre and post-hospitalisation
- Ambulance charges up to INR 5,000 are covered
- Organ donor harvesting expenses are covered under this plan
- Domiciliary hospitalisation can also be covered
- Get a 20% to 100% of No Claim Bonus for a claim-free year
- The plan covers AYUSH treatments
- You can also get a Second Opinion in case of any of 11 specifies illnesses
Benefits of Royal Sundaram Lifeline Supreme Plan
- In-Patient Benefits
In case you need to be hospitalised for more than 24 hours because of an illness or an injury, your Lifeline Supreme plan would cover the expenses. The policy covers the doctor’s fee, room, ICU charges, nursing charges etc.
- Ambulance Charges
Ambulance charges up to INR 5,000 would be reimbursed, when the service is used for transporting the insured member to the hospital in an emergency.
- Re-load of Sum Insured
Once during a policy year, the company will provide you with a complete reload of the sum insured.
- No Claim Bonus
When you do not make a claim in a policy year, you will be rewarded with an NCB. This bonus would increase your sum insured by 20% per policy year. This bonus can go up to 100% in the Lifeline Supreme plan.
- Pre and Post-Hospitalisation
Medical expenses do not begin or end with hospitalisation. Under this plan, the expenses related to the related injury or the illness will be covered for a period of 60 days before and 90 days after the hospitalisation.
- Day-Care Procedures
Certain treatments require a period of specific observation or care after completion of the procedure, which may take less than 24 hours of hospitalisation. Such procedures called daycare procedures would be covered up to the sum insured under the Supreme variant of the Lifeline plan.
- Organ Donation
Medical expenses incurred towards the donor for the harvesting of the organ, in accordance with the Transplantation of Human Organs Act, 1994, will be covered.
- Domiciliary Treatment
In case an insured member could not be treated in a hospital because of their ill health or due to unavailability of accommodation, the medical charges for the treatment at home would be incorporated for a treatment that is taken for a period of 3 consecutive days.
- Cashless Claims
With a wide hospital network, Royal Sundram allows you to make cashless claims almost anywhere in the country.
- AYUSH Benefits
If you are someone who does not feel comfortable with allopathic treatments then this policy can be a boon for you as the following treatments by a recognised medical practitioner are covered:
- Second Opinion
Once a policy year a second opinion can be arranged for 11 critical illnesses.
- Animal Bite Vaccination
The OPD treatment charges will be covered for post-animal bite treatment up to INR 5,000.
- Health Check-Ups
Health check-up for the insured members is covered under the Lifeline Supreme plan. Preventive health and wellness benefits are also provided.
- Emergency Domestic Evacuation
Once during the policy term, in case of an emergency and on the advice of the treating doctor, an evacuation up to INR 1 lakh would be covered.
Plan Details of Royal Sundaram Lifeline Supreme Plan
Adults: 18 years
Children: 91 days to 25 years
|Tenure of Policy||1 year/ 2 years/ 3 years|
|Type of Policy||Individual and Family Floater Basis|
|Pre-existing Disease Waiting Period||36 months|
|Sum Insured Options||INR 5 lakhs/ 10 lakhs/ 15 lakhs/ 20 lakhs/ 50 lakhs|
- Waiting Period
- Unless treatment is required after an injury, no other treatment is covered for the first 30 days of policy inception
- Any critical illness symptoms that manifest during the initial 90 days will not be covered
- There is a 24 month waiting period for 17 specified medical conditions
- Pre-existing diseases are not admissible for a claim for 24/ 36 months, depending on the variant chosen
- Free Look Period
Another advantage of the Lifeline Supreme plan is the free look period. This 15-day period starts from the date of policy purchase and is given to you to review the policy that you have purchased. During this period, you can assess the terms and conditions and if in case you feel that the policy is not as per your specifications you can return it, provided you have not made any claims.
You can make a refund request stating the cause of the return. Once the request is accepted, the refund will be initiated. The cost of medical screening, stamp duty charges and proportionate risk premium will be subtracted from the premium amount that was paid by you.
What is Not Covered in Royal Sundaram Lifeline Supreme Plan?
Given below are some of the most common permanent exclusion in the Royal Sundaram Lifeline Supreme Plan:
- Conditions and disorders arising from an addiction
- Participation in adventure sports
- Treatment due to conditions resulting from age
- Expenses incurred at a hospital that are not covered such as administration, night chargers, documentation, service surcharge etc.
- Cosmetic surgery, unless required for treatment of cancer/ accident/ burn injury
- Treatment required for correction of refractive eye errors
- HIV and AIDS
- Specified hereditary conditions
- Hospitalisation that is taken for observation only
- OPD treatment, unless specified in the plan option
Renewal Process of Royal Sundaram Lifeline Supreme Plan
Getting your policy renewed on time is imperative if you wish to enjoy all its benefits. Timely renewal of your policy should be a priority as can burn a big chunk from your savings and put you in financial trouble. The renewal is a simple process that can be done in any of the 2 following ways:
- Online Method
With a few clicks, you can renew your policy online. You need to visit the company website, and go to “Insta Renew” or just click https://www.royalsundaram.in/web/dtc/instarenew/readpolicy. Enter your policy details and make the premium payment online via net banking, credit/debit card or any other mentioned electronic medium. Your policy will be renewed instantly and you will soon receive the notification via SMS or email.
- Offline Method
If you do not wish to renew your policy online, you can visit a nearby Royal Sundaram branch. You can fill in the Renewal Form and pay through your credit/debit card or cheque.
Claim Process of Royal Sundaram Lifeline Supreme Plan
If you follow all the given claim-related instructions carefully, the process of claim settlement would become easy and smooth. When your doctor advises you or an insured member of hospitalisation, you have to notify the company at the earliest about the same, 72 hours before hospitalisation in case of planned treatment and within 48 hours of admission in case of emergency hospitalisation. To notify the company you can either call customer care or send them an email. You can also register the claim online.
- Cashless Claim
In case of a cashless claim, the TPA agents present at the hospital Help Desk would help you with the formalities. You would have to follow the following steps:
- Step 1
Intimate the company about the claim as soon as the doctor advises hospitalisation
- Step 2
You can go to the nearest network hospital for your treatment or any other network hospital that you wish to go to. In order to locate a network hospital, go to the company website and see the list of network hospitals
- Step 3
The TPA from the Help Desk at the Hospital would then get in touch with the company and initiate the cashless treatment
- Step 4
As soon as the formalities are complete, the company would settle the hospital bill directly
- Step 1
- Reimbursement Claim
In case you could not avail of a cashless facility, you can still request a reimbursement. You or someone on your behalf would have to notify the company about the hospitalisation when the same is advised by a doctor.
- Step 1
Notify the company about the claim
- Step 2
Undergo the necessary treatment at the hospital and make the payment upfront
- Step 3
You then need to submit all treatment-related documents and other listed documents within 7 days of discharge
- Step 4
Once all documents are authenticated by the company/ TPA the hospital bill would be settled
- Step 1
The following documents would be required:
- Health Card issued by Company, along with KYC papers
- Duly filled and signed Claim Form
- Original Payment Receipts
- All diagnostic and pathological Reports
- Original discharge summary, with the date of admission and discharge, history
- Invoice of transplants, if applicable
- Nature of Illness and the Treatment required
- Detail of Individual Medical services
- Doctor’s prescriptions - medicines or/and diagnostic tests
Policy Network Hospitals - Royal Sundaram Lifeline Supreme Plan
The company also has a wide network of empanelled hospitals and this makes making a policy claim very easy and smooth. With Royal Sundaram Lifeline Supreme Plan, you can seek cashless treatment in a network hospital and save yourself from the hassle of running around at the last minute raising money for the treatment.
Review of Royal Sundaram Lifeline Supreme Plan
Having served over 4.5 million customers all throughout the country Royal Sundram has introduced health insurance plans that come with varied benefits. The plans are quite popular as they suit different people with the most distinct insurance needs. The Royal Sundaram Lifeline Supreme Plan is an affordable plan which makes it easy for people from all economic backgrounds to invest in health insurance.
The plan includes cashless as well as reimbursement claim options, that can help you to focus on the treatment rather than fretting over the expenses. Apart from the in-patient hospitalisation coverage, the plan further offers various benefits that motivate you to stay fit and healthful.
Customer Care Details