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Royal Sundaram Health Insurance Royal Sundaram Health Insurance ★ 4.4

Lifeline Health Insurance Plan

Royal Sundaram Lifeline is a comprehensive health insurance plan, offe ...Read More

Up to 1.5 Cr
Sum insured
160+
Pan India presence
96.17%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,715 reviews
🏥 10,000+ hospitals
📊 2.20 solvency ratio
✅ 96.17% claim settlement
Written by Simran saxena
Reviewed by Raj Kumar
Published: 17 Oct 2024
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview

Lifeline Health Insurance by Royal Sundaram is a comprehensive health insurance plan that looks after your day-to-day healthcare needs. Along with in-patient coverage, the plan also offers coverage for ambulance charges, maternity and newborn baby expenses, health check-ups, etc.

The plan is available in three variants that are designed to cover the health insurance needs of you and your family. These variants are:

  • Lifeline Classic
  • Lifeline Supreme
  • Lifeline Elite

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Royal Sundaram Health Insurance

Royal Sundaram Health Insurance

This video explains Royal Sundaram Health Insurance in detail.

Exclusions

  • Hospitalisation due to war, riot, strike, or nuclear weapons.
  • Intentional self-injury.
  • AIDS.
  • Miscarriage and abortion.
  • Congenital diseases.
  • Infertility and in vitro fertilisation.
  • Listed ailments: 24 months.
  • Pre-existing diseases: 24/36/48 months.

Royal Sundaram Lifeline Premium Calculation

Given below is a sample illustration that shows premium rates for the different plan variants with different sum insured options. The rates are calculated for a 30-year-old customer taking an individual health policy.

Lifeline Classic

Sum Insured (in Rs.) Annual Premium Payable (in Rs.)
2 Lakhs 4,284
3 Lakhs 4,927
4 Lakhs 5,356

Lifeline Supreme

Sum Insured (in Rs.) Annual Premium Payable (in Rs.)
5 Lakhs 5,558
10 Lakhs 7,268
25 Lakhs 9,180

Lifeline Elite

Sum Insured (in Rs.) Annual Premium Payable (in Rs.)
5 Lakhs 34,526
1 Crore 14,133
1.5 Crore 62,081

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 Years to No Upper Age Limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹10 L, ₹20 L, ₹30 L, ₹50 L, ₹1 L, ₹1 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1,2,3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Domiciliary Hospitalization
  • Worldwide Emergency Hospitalization
  • International Treatment Abroad

Cons

  • Illegal Activities
  • Adventure Sports
  • Alcoholism

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Covered

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min Entry Age: 18 Years
  • Max Entry Age: No Upper Age Limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1.5 Crore

Frequently Asked Questions

The 5 most-asked questions about Lifeline Health Insurance Plan, answered.

The plan comes with a Policy Tenure of 1 year, 2 years, and 3 years.
Yes, a discount of 7.5% or 12% on the premium will be available if the policyholder opts for 2 years or 3 years tenure respectively.
No, the maternity coverage is offered only under Royal Sundaram Lifeline Elite, whereas, Royal Sundaram Lifeline Supreme Health plan and Royal Sundaram Lifeline Classic Health Plan do not offer Maternity coverage.
Yes, the plan offers the below-mentioned additional covers: Top-up plan on an annual aggregate basis Hosptial Cash App-based cabs as a part of ambulance cover Refresh of Sum Insured Inpatient PED cover for a life-threatening condition
Follow the renewal process mentioned in the article above for a hassle-free renewal process.

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