Lifeline Health Insurance Plan
  • Learn the plan's key features
  • Find out the types of plans offered
  • Explore plan's features & buying process

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Royal Sundaram Lifeline Health Insurance Plan

Royal Sundaram Lifeline Health Insurance Plan is a health insurance plan available in three variants that is designed to cover the health insurance needs of you and your family. These variants are:

  • Lifeline Elite / Elite Plus
  • Lifeline Supreme / Supreme Plus
  • Lifeline Classic

Customers can easily choose the required coverage and sum insured as per their convenience.

To help you understand more about the Royal Sundaram Lifeline Health Insurance plan, we've given a detailed explanation of this plan's key features, types and eligibility criteria. Read the sections below to explore the plan's benefits and reasons to invest in this policy.

Features and Benefits of Royal Sundaram Lifeline Health Insurance Plan

  1. Sum Insured Options

    One of the most prominent benefits of this plan is that it comes with a wide variety of sum insured options ranging from Rs. 2 Lacs to Rs. 1.5 crores.

  2. No Maximum age limit

    There is no upper age restriction for enrolment in policy which means that a person of any age (including the newborn child) can be covered within the plan.

  3. Reload of the sum insured

    With this feature, customers can avail the benefit of reloading their sum insured amount if in case they utilize the entire sum insured. This sum insured gets automatically reloaded at no extra cost which can be used for different illnesses.

  4. Maternity Benefit

    The plan also offers maternity benefits that include cover for New Born Baby and vaccination for newborn baby.

  5. Coverages

    This plan comes with a variety of coverage options to provide comprehensive protection to the policyholders. This includes cover for Ayush Treatment as well as vaccination in case of Animal Bite.

Types of Royal Sundaram Lifeline Health Insurance Plan

As discussed above, the Lifeline Health Insurance product by Royal Sundaram company comes with three variants- Elite, Supreme, and Classic. All these variants offer different benefits to the policyholders. Given below is a complete explanation of these variants, their features and eligibility conditions. Let's have a look at them:

Royal Sundaram Lifeline Classic Health Insurance

Royal Sundaram Lifeline Classic Health Insurance is a comprehensive health insurance plan for the insured and his/her family designed to cater to the health insurance needs of people looking for an affordable health insurance plan.

Key features of Royal Sundaram Lifeline Classic Health Insurance

  1. Cover for hospitalization expense:

    The plan offers coverage against inpatient hospitalization expenses up to sum insured and pre and post-hospitalization expenses repayment up to the amount of sum insured for 30 and 60 days.

  2. Day-care treatment cover:

    Under this plan, coverage for all daycare treatments and procedures is provided to the policyholder. The amount of this cover is equal to the sum insured amount.

  3. Ambulance cover:

    With this plan, customers can avail coverage for the charges paid on emergency ambulance facilities. The maximum amount of this cover is up to Rs.3,000.

  4. Domiciliary hospitalization:

    This plan also offers coverage against the domiciliary hospitalization expenses. The coverage amount provided in this cover is equal to the sum insured.

  5. AYUSH Treatment:

    The plan offers inpatient hospitalization cover up to sum insured for the medical expenses incurred in Government Hospitals and up to Rs. 20,000 in other hospitals.

  6. Health check-up facility:

    This plan comes with the provision that allows customers to avail complete health check-up facility once in every 3rd policy year.

  7. Animal bite vaccine:

    The plan also covers vaccination in case of animal bite for a maximum amount of up to Rs. 2,500.

Eligibility Criteria of Royal Sundaram Lifeline Classic Health Insurance

Criteria Adults Children
Entry age 18 years 91 days
Maximum Entry Age No limit 25 years
Sum Insured amount Rs. 2 Lakhs, Rs. 3 Lakhs, and Rs. 4 Lakhs.

Sample Premium of Royal Sundaram Lifeline Classic Health Insurance

Given below is a sample graph that shows premium rates for different sum insured amounts for the Lifeline Classic variant of the Royal Sundaram health insurance plan. The rates are calculated for a 31-year-old customer taking individual health policy.

Premium Rates of Lifeline Classic Health Insurance Plan for Different Sum Insured Amounts

Premium Rates of Lifeline Classic Health Insurance Plan for Different Sum Insured Amounts

Royal Sundaram Lifeline Supreme Health Insurance

Royal Sundaram Lifeline Supreme Health Insurance is a health insurance plan that is designed to work with the different needs of the insured. Along with comprehensive coverage, the plan also offers benefits such as health & wellness benefits, annual health check-up and second opinion for critical illness.

Key Features of Royal Sundaram Lifeline Supreme Health Insurance

  1. Cover for hospitalization expense:

    The plan offers coverage against inpatient hospitalization expenses up to sum insured and pre and post-hospitalization expenses repayment up to the amount of sum insured for 60 and 90 days.

  2. Domiciliary hospitalization:

    Under this plan, hospitalization expenses related to domiciliary treatment are also covered up to the sum insured amount.

  3. AYUSH Treatment:

    This plan provides inpatient hospitalization cover of the amount up to the sum insured in government hospitals and up to Rs. 30,000 in other hospitals.

  4. Health check-ups:

    With this plan, customers can avail free annual health check-up facility for every member more than 18 years old, irrespective of the claim.

  5. Animal bite vaccine:

    The plan also provides cover for vaccination expenses incurred by the policyholders in case of an animal bite. The maximum coverage amount provided under this benefit is Rs. 5,000.

  6. Organ donor:

    The plan offers cover for the medical expenses incurred by an organ donor who is undergoing an organ transplant for the policyholder.

  7. Ambulance cover:

    Expenses incurred on an ambulance are also covered with this plan. The maximum cover amount that can be availed is Rs. 5,000.

Eligibility Criteria of Royal Sundaram Lifeline Supreme Health Insurance

Criteria Adults Children
Entry age 18 years 91 days
Maximum Entry Age No limit 25 years
Sum Insured amount Rs. 5 Lakhs, Rs. 7.5 Lakhs, Rs. 10 Lakhs, Rs. 15 Lakhs, Rs. 20 Lakhs, Rs. 25 Lakhs, Rs. 50 Lakhs and Rs.100 Lakh

Sample Premium of Royal Sundaram Lifeline Supreme Health Insurance

Given below is a sample graph that shows premium rates for different sum insured amounts for the Royal Sundaram Supreme health insurance plan. Please note that the premiums in this graph are calculated for a 31-year-old individual.

Premium Rates of Lifeline Supreme Health Insurance Plan for Different Sum Insured Amounts

Premium Rates of Lifeline Supreme Health Insurance Plan for Different Sum Insured Amounts

Royal Sundaram Lifeline Elite Health Insurance

Royal Sundaram Lifeline Elite health insurance plan is designed for people who love to travel and are interested in buying an insurance plan that takes care of their medical expenses in India as well as abroad. This plan comes with high sum insured options and also offers a wide range of medical benefits covering critical illnesses, international treatment, among others.

Key Features of Royal Sundaram Lifeline Elite Health Insurance

  1. Cover for hospitalization expense

    Similar to the Lifeline supreme variant, this plan option also provides coverage against inpatient hospitalization expenses and pre and post-hospitalization expenses repayment up to the amount of sum insured for 90 and 180 days.

  2. Critical Illness treatment

    In addition to coverage for all types of daycare procedures, the plan also provides cover against the international treatment of 11 specified critical illnesses including return airfare up to Rs.3 lacs. Please note that the base cover is excluding the US and Canada, however, you can opt to include the US and Canada at the inception of the first policy.

  3. Worldwide Emergency Hospitalization

    The plan offers coverage against emergency hospitalization performed anywhere in the world. The cover provided includes up to 50% of the sum insured limited up to Rs.20 lacs.

  4. Maternity Benefit

    This plan also provides maternity benefit cover for up to 2 deliveries if both husband and wife are covered under the same family floater policy.

  5. Emergency Ambulance Cover

    The plan offers coverage for the expenses incurred on emergency ambulance facilities. The maximum amount of this cover is Rs.10,000.

  6. Animal bite vaccine

    The plan also provides cover for vaccination expenses incurred by the policyholders in case of an animal bite. The maximum coverage amount provided under this benefit is Rs. 7,500.

  7. OPD Treatment

    The plan offers OPD Treatment cover for a maximum amount of up to Rs.10,000.

  8. AYUSH Treatment

    This plan offers inpatient hospitalization cover up to the sum insured for the medical expenses incurred in Government Hospitals and up to Rs.50,000 in other hospitals.

  9. Re-load of the sum insured

    It comes with a provision that allows customers to reload the sum insured amount during treatment of different illnesses in event of complete exhaustion of sum insured and NCB.

Eligibility Criteria of Royal Sundaram Lifeline Elite Health Insurance

Criteria Adults Children
Entry age 18 years 91 days
Maximum Entry Age No limit 25 years
Sum Insured amount Rs.25 Lakhs, Rs.30 Lakhs, Rs.50 Lakhs, Rs.100 Lakhs, and Rs.150 Lakhs

Sample Premium of Royal Sundaram Lifeline Elite Health Insurance

Given below is a sample graph that shows premium rates for different sum insured amounts for the Royal Sundaram Lifeline Elite health insurance plan. Please note that the one-year premiums in this graph are calculated for a 31-year-old individual.

Premium Rates of Lifeline Elite Health Insurance Plan for Different Sum Insured Amounts

Premium Rates of Lifeline Elite Health Insurance Plan for Different Sum Insured Amounts

Royal Sundaram Lifeline Health Insurance Plans Comparison

As you must have noticed, all the three variants of the Lifeline health insurance plans offer some common benefits and coverages. However, the level of protection offered in these plans varies significantly.

To help you clearly understand these differences, we've created here a table that highlights the types of coverage provided by each plan. Let's have a look at it.

Plan Benefits Classic Supreme Elite
Amount of Sum Insured 2, 3, 4 lakh 5, 10, 15, 20, 50 lakhs 25, 30, 50, 100, 150 lakhs
Pre and post hospitalization expenses 30/60 days, Covered up to SI 60/90 days, Covered up to SI 60/180 days, Covered up to SI
Ambulance Cover Up to Rs.3,000 Up to Rs.5,000 Up to Rs.10,000
No Claim Bonus 10% of Base SI upto a max of 50% of Sum insured 20% of Base SI up to a max of 100% of Sum insured 20% of Base SI up to a max of 100% of Sum insured
Ayush Treatment Up to Sum Insured amount for Government Hospitals and up to Rs.20,000 for other Hospitals. Up to Sum Insured amount for Government Hospitals and up to Rs.30,000 for other Hospitals. Up to Sum Insured amount for Government Hospitals and up to Rs.50,000 for other Hospitals.
Animal Bite Vaccination Up to Rs.2,500 Up to Rs.5,000 Up to Rs.7,500
Health Check-up Available once every 3rd policy year Annual Annual

How To Buy Royal Sundaram Lifeline Health Insurance Plan?

Customers can buy Royal Sundaram Lifeline plans online from the official website of the company. Given below is a step by step guide that will help you in buying the plan online.

Step 1: Visit the company's website.

Step 2: Click on the 'Health Insurance' tab.

Step 2: Select the 'up toLifeline' plan option.

Step 3: Fill up the mandatory details.

Step 4: Check the premium details.

Step 5: Click on 'Buy' and make the payment.

Once the payment is received by the company, the policy documents will be shared on your registered email address.

We, at PolicyX.com can provide a dedicated agent by your side during the claim settlement process. Below is its buying process.

  • Fill in the details in the 'Calculate Premium' form.
  • The next page will show all the available plans. Choose the Ryal Sundaram Lifeline health plan and click on 'Buy Now'.
  • Pay the premium and your policy document will be shared with you on your registered email.

Exclusions of Royal Sundaram Lifeline Health Plan

Given here is a list of exclusions of the Royal Sundaram Lifeline health plans. No coverage is provided to the insured on the occurrence of any event listed in the exclusion list.

  • Pre-existing medical conditions as declared by the policyholder during the purchase of policy up to the waiting period (Plan Particular)
  • Addictive conditions & disorders
  • Adventurous or Hazardous sports

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.8/5 (17 Total Rating)

April 30, 2021

Kartik Sharma

Bengaluru

Big thumbs up to royalsundaram for offering good customer service and helping me in time of need. I recommend all my friends and family to buy insurance from Royalsunadram company.

April 30, 2021

Neha tyagi

Gandhinagar

I purchase Royal sundaram medical insurance for my family in 2018. The premium amount of my plan is affordable and I have not faced any problem with my plan.

April 30, 2021

Rahul Madan

Jaipur

From my experience Royalsundaram is a good insurance company and offers good service to help its customers. The staff of this company helped me in solving all my queries and settled my claim quickly. Good job Royalsunadram!

April 30, 2021

Swati Singhal

Mumbai

As a customer you can buy insurance policy from this company without any fear because the company is good and reliable and offers good health insurance plans.

April 30, 2021

Deepshika Maheshwari

Indore

Thanks to my sister she suggested me to buy health insurance from Royalsunadram. The company is really good and offers good service to customers. I Suggest everyone to buy medical policy from Royalsundaram.

Last updated on July, 2021

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