Network hospitals
10000+
Incurred claim ratio
96.17%
Sum insured
Up to 1.5 Cr
No. of Plans
1
Solvency Ratio
2.1
Pan India Presence
160+
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 against 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:
To understand Lifeline Health Insurance Plan Insurance in detail, take a look at the below table:
18 Years to No Upper Age Limit
Individual and Family Health Insurance
2 L | 3 L | 4 L | 5 L | 10 L | 20 L | 30 L | 50 L | 1 Cr | 1.5 Cr
30 Days
Lifetime
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.
Read more specifications in the brochure.
With wide coverage options available, Lifeline Health Insurance Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Covered
Daily Hospital Cash
Covered
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Covered
Global Coverage
Covered
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Covered
Co-payment
Not Covered
Sub-limits
Not Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Royal Sundaram Health Insurance
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.
Sum Insured (in Rs.) | 2 Lakhs | 3 Lakhs | 4 Lakhs |
Annual Premium Payable (in Rs.) | 4,284 | 4,927 | 5,356 |
Sum Insured (in Rs.) | 5 Lakhs | 10 Lakhs | 25 Lakhs |
Annual Premium Payable (in Rs.) | 5,558 | 7,268 | 9,180 |
Sum Insured (in Rs.) | 5 Lakhs | 1 Crore | 1.5 Crore |
Annual Premium Payable (in Rs.) | 34,526 | 14,133 | 62,081 |
Permanent diseases or health conditions that are not included under the Royal Sundaram Lifeline Health Insurance Plan are:
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
AIDS
Miscarriage, and Abortion
Congenital disease
Infertility and in vitro fertilization
Certain diseases and treatments are covered under this plan after a certain period. Read the details below:
Listed ailments after 24 Months
Pre-existing diseases after 24/36/48 Months
To cater to the different medical needs of an individual & their family, Royal Sundaram Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Royal Sundaram Health Insurance plans explore more:
Individual and Family Health Insurance
Royal Sundaram Lifeline Supreme Health Plan is a one-of-a-kind health insurance plan as it offers holistic coverage with a wide range of benefits such...
Unique Features
Accident Health Insurance
Royal Sundaram Personal Accident Policy safeguards insured individuals against the loss of income, provides the best medical care, and ensures your ch...
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Individual and Family Health Insurance
Royal Sundaram Multiplier Health Insurance is a one of its kind plan that covers up to 11 times the sum insured in case of emergency health complicati...
Unique Features
Individual
The Surrogacy (Regulation) Act, 2021 by the government of India has come into effect saying that, if any couple is in search of a surrogate mother, th...
Unique Features
Individual and Family Health Insurance
Give your life a new direction with the Royal Sundaram Family Plus plan if you are planning a family or want to protect your extended family. It's obv...
Unique Features
Individual and Family Health Insurance
Lifeline Health Insurance by Royal Sundaram is a comprehensive health insurance plan that looks after your day-to-day healthcare needs. Along with in-...
Unique Features
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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Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.
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February 5, 2023
Asia/Kolkata
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