Lifeline Health Insurance Plan
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Royal Sundaram Lifeline Health Insurance Plan

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:

  • Lifeline Classic
  • Lifeline Supreme
  • Lifeline Elite

Royal Sundaram Lifeline Health Plan Specifications

Entry Age

18 years Children: 91 days

Policy Type

Individual / Family Floater

Policy Term

1 / 2 / 3 year

Relations Covered

Self, Spouse, Children & Parents

Sum Insured

2 | 3 | 4 | 5 | 7.5 |10 | 15 | 20 | 25 | 30 | 50 Lakhs & 1 | 1.5 Crore

Initial Waiting Period*

30 Days

*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.

Choose Your Royal Sundaram Lifeline Health Plan

Coverage for SI: Lifeline Classic

In-patient & Out-patient Coverage

Room Rent

Covered up to SI

ICU Charges

Covered up to SI

Pre-Hospitalization

Covered up to 30 days

Post-Hospitalization

Covered up to 60 days

Domiciliary Hospitalization

Covered up to SI

Daycare Treatment

All Day care procedures covered up to the SI

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Not Covered

No Claim Bonus

Available up to 10% of SI

Automatic Restoration

Available up to the Base SI

Daily Hospital Cash

1K per day

Organ Donor

Covered up to SI

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Covered up to 3K

Air Ambulance

Not Covered

Compassionate Travel

Not available

Global Coverage

Not available

Wellness Programmes

E-Consultation

Not available

Health Check-Up

Once in 2 years

Second Medical Opinion

Not Covered

Vaccination

Covered up to 2.5K

Limitations

Co-payment

Not Applicable

Sub-limits

Not Applicable

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Royal Sundaram Lifeline Health Plan?

Under this plan, the room rent is covered up to the SI, without any room rent capping.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Under this plan, ICU charges are covered up to the SI.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.

Lifeline Supreme: This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.

Lifeline Elite: This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: This plan covers medical expenses incurred during post-hospitalization for up to 60 days.

Lifeline Supreme: This plan covers medical expenses incurred during post-hospitalization for up to 90 days.

Lifeline Elite: This plan covers medical expenses incurred during post-hospitalization for up to 180 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Domiciliary Hospitalization is covered up to the Sum Insured.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Royal Sundaram Lifeline HealthPlan?

This plan covers the expenses of all the day care procedures up to the SI.

What are OPD charges?

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: OPD is not covered under the plan.

Lifeline Supreme: OPD is not covered under the plan.

Lifeline Elite: This plan covers the OPD expenses up to the 10K.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from a government approved Centre.

Coverage status under Royal Sundaram Lifeline HealthPlan?

COVID-19 treatment cover is available under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Royal Sundaram Lifeline HealthPlan?

The plan does not cover Cataract treatment.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: The plan offers a No-claim bonus to the policyholders of upto 10% of the base sum insured up to the maximum amount of 50% SI.

Lifeline Supreme: The plan offers a No-claim bonus to the policyholders of upto 20% of the base sum insured up to the maximum amount of 100% SI.

Lifeline Elite: The plan offers a No-claim bonus to the policyholders of upto 20% of the base sum insured up to the maximum amount of 100% SI.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Royal Sundaram Lifeline HealthPlan?

The plan offers the benefit of automatic restoration up to the Base SI.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: INR 1K will be offered as daily cash to the policyholders for 30 days in case of hospitalization of more than 2 days.

Lifeline Supreme: INR 2K will be offered as daily cash to the policyholders for 30 days in case of hospitalization of more than 2 days.

Lifeline Elite: INR 5K will be offered as daily cash to the policyholders for 30 days in case of hospitalization of more than 2 days.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Royal Sundaram Lifeline HealthPlan?

The plan covers organ donor expenses up to the SI.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: Not covered.

Lifeline Supreme: Not covered.

Lifeline Elite: For SI up to 50 Lakhs, the plan covers the maternity expense up to 2 Lakhs For SI of more than 50 Lakhs, the plan covers the maternity expenses of up to 2.5 Lakhs

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: Not covered.

Lifeline Supreme: Not covered.

Lifeline Elite: The plan offers the Newborn baby cover up to 25% of the SI.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: The plan covers the AYUSH Expenses up to the SI if the treatment is undertaken in the government hospitals. If the treatment is undertaken in any other hospital, then the plan will offer coverage of up to INR 20K.

Lifeline Supreme: The plan covers the AYUSH Expenses up to the SI if the treatment is undertaken in the government hospitals. If the treatment is undertaken in any other hospital, then the plan will offer coverage of up to INR 30K.

Lifeline Elite: The plan covers the AYUSH Expenses up to the SI if the treatment is undertaken in the government hospitals. If the treatment is undertaken in any other hospital, then the plan will offer coverage of up to INR 50K.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: Not covered.

Lifeline Supreme: Not covered.

Lifeline Elite: The plan covers IVF Treatment up to 2.5 Lakhs. However, one can avail the benefit only after the waiting period of 48 months.

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Not Covered

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: One can avail of the ambulance coverage of up to 3K.

Lifeline Supreme: One can avail of ambulance coverage of up to 5K.

Lifeline Elite: One can avail of the ambulance coverage of up to 10K.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: The plan does not cover the expenses for Air Ambulance.

Lifeline Supreme: One can avail of the Air Ambulance coverage of up to 1 Lakhs.

Lifeline Elite: One can avail of the Air Ambulance coverage of up to 3 Lakhs.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Not Available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: The plan does not offer global coverage.

Lifeline Supreme: The plan does not offer global coverage.

Lifeline Elite: The plan offers global coverage for 11 specified illnesses. The plan also offers one-time return airfare for the insured person. **The global coverage excludes US & Canada.

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Not Available

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: Available once in 2 years

Lifeline Supreme: Annually

Lifeline Elite: Annually

What is a Second Medical Opinion?

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 status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: Not available

Lifeline Supreme: Second medical opinion is available once during the policy year for 11 specified critical illnesses.

Lifeline Elite: Second medical opinion is available once during the policy year for 11 specified critical illnesses.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: Vaccination cover for animal bites is covered up to 2.5 K

Lifeline Supreme: Vaccination cover for animal bites is covered up to 5 K

Lifeline Elite: Vaccination cover for animal bites is covered up to 7.5 K

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under Royal Sundaram Lifeline HealthPlan?

co-payment is Not Applicable.

What is the Sub limit?

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.

Status under Royal Sundaram Lifeline HealthPlan?

Not Available

Royal Sundaram Lifeline Health Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under the Royal Sundaram Lifeline insurance plan are:

Intentional self-injury

Mental illness

Dental surgery

AIDS

Addictive conditions & disorders

Cosmetic & aesthetic treatment

Adventurous or Hazardous sports

Infertility and in vitro fertilization

Hospitalization out of war, riot, strike, and nuclear weapons

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Listed ailments after 24 Months

Pre-existing diseases after

24 Months

  • Classic 48 Months

  • Supreme 36 Months

  • Elite 24 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.) 2 Lakhs 3 Lakhs 4 Lakhs
Annual Premium Payable (in Rs.) 4,284 4,927 5,356

Lifeline Supreme

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

Lifeline Elite

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

Explore Royal Sundaram Health Insurance

Know more about Royal Sundaram Health Insurance plans, claim process, buying process and contact details of the company by clicking on the sections below:

Claim Process

Click to know Royal Sundaram LifelineClaim Process.

Buying Process

Click to know Royal Sundaram Lifeline Buying Process.

Contact Us

Feel free to contact us for more details.

Renewal Process

Click to know Royal Sundaram Lifeline Renewal Process.

Explore other Royal Sundaram Health Plans

Royal Sundaram health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Family Floater Plan

A comprehensive health plan that comes with 3 variants and up to 1.5 crores Sum Insured.

Unique Features

  • Preventive healthcare & wellness services
  • No capping on room rent
  • Worldwide Emergency Hospitalization

Family Floater Plan

Royal Sundaram Family Plus

A family health insurance plan that covers up to 19 relationships, & offers reload benefits useful for major illness.

Unique Features

  • Maternity Benefit
  • No Restriction on Maximum Entry Age
  • Vaccination in case of animal bite

Health Insurance Articles

Royal Sundaram Lifeline Plan: FAQs

1. What is policy tenure available under Royal Sundaram Lifeline Plan?

The plan comes with a Policy Tenure of 1 year, 2 years, and 3 years.

2. Does Royal Sundaram Lifeplan offer any discounts to the policyholder?

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.

3. Do all variants of the Royal Sundaram Lifeline plan offer coverage for Maternity expenses?

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.

4. Does the Royal Sundaram Lifeline Supreme Health plan offers any additional covers?

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
  • Bariatric Surgery
  • Mobility Devices - Wheelchairs, Crutches, etc.
  • 2nd Opinion for additional 11 critical illness

5. How can I renew my Royal Sundaram Lifeline Policy?

For renewing your policy, follow the below mentioned process:

Visit the official website of Royal Sundaram

Royal Sundaram Lifeline Policy Review

Read what customers have to say about Royal Sundaram Lifeline health insurance.

Customer Review Image

Akhilesh Yadav

Ahmedabad

October 20, 2021

One of the best health care companies with the best team. They help you as their own brother and sister.

Customer Review Image

Tania

Hyderabad

October 19, 2021

good decsion approaching this company...they are very knowlegeable with their suggestions! I am thnkful!

Customer Review Image

Pushpak

Delhi

October 12, 2021

Got a plan from the policyx aggregator ...must say i m impressed with the professional manner with which my queries are addressed! good Job policyx!

Customer Review Image

Raj Choudhary

Dehradun

October 8, 2021

I had a detailed discussion with the Royal Sundaram Health team. They made sure that all my queries are resolved. I personally thank them for the insurance I bought from them

Customer Review Image

Lalit Koul

Surat

October 5, 2021

Thank you team for fast claim settlement and continuous support. Keep up this customer centric approach.

Customer Review Image

Reyansh Chakravarty

Chandigarh

August 30, 2021

good service at policyx. My friend recommended me to buy from here and im definitly happy with all the help and guidance

Customer Review Image

Yogita Mehta

Mumbai

August 10, 2021

It has been an absolute pleasure associtaing with policyx ove health insurance. The customer service is at par and truly makes an effort to make the whole process very easy

Customer Review Image

Kartik Sharma

Bengaluru

April 30, 2021

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.

View All Royal Sundaram Health Insurance Reviews