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Royal Sundaram Insurance Plans

Family Floater Plans
No room rent Capping
2x SI for 5 claim free years

Network hospitals

10000+

Incurred claim ratio

83.36%

Sum insured

Up to 1.5 CR

No. of Plans

10

Solvency Ratio

2.1

Pan India Presence

158

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

1 Adult

2 Adults

2 Adults & 1 Child

2 Adults & 2 Children

2 Adults & 3 Children

Other Members

Age of Eldest Member

Network hospitals

10000+

Incurred claim ratio

83.36%

Sum insured

Up to 1.5 CR

No. of Plans

10

Solvency Ratio

2.1

Pan India Presence

158

List of Royal Sundaram Health Insurance Plans

There are two types of plan options available within the health insurance plan category offered by the Royal Sundaram Health Insurance company. These two options are:

Family Floater Health Insurance Plans

Royal Sundaram's Lifeline Classic

This is a plan that covers basic hospitalization and many health and wellness benefits.

Unique Features

OPD Cover
Affordable Premium
Tax Benefit

Lifeline Classic (Pros)

Organ Donor Benefit
Inpatient Hospitalization
Pre And Post Hospitalization
Vaccination Cover
Reload of SI

Lifeline Classic(Cons)

No Gender Treatments
No Global Coverage
No Alcoholism Ailments Cover
No Cosmetic Cover
No Obesity/Weight Cover

Lifeline Classic(Other Benefits)

Domiciliary Hospitalization
No Room Rent Capping
Ambulance Cover
AYUSH Treatment Covered
10% No Claim Bonus

Lifeline Classic (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 2 L to 4 L
Waiting Period - 30 Days

Royal Sundaram's Lifeline Supreme

This plan is the enhanced lifeline health insurance that offers a high sum insured of 1 crore. The plan offers hospitalization, domestic evacuation and additional benefits.

Unique Features

High Sum Insured
Affordable Premiums
Tax Benefit

Lifeline Supreme (Pros)

5000 + Network Hospitals
Emergency Domestic Evacuation
Health Checkup
Can Refresh SI Once
Mobility Devices Cover

Lifeline Supreme(Cons)

No Gender Treatments
No New Born Baby Cover
No Maternity Cover
No Vaccination Cover
No Obesity/Weight Cover

Lifeline Supreme(Other Benefits)

Health And Wellness Benefits
Bariatric Surgery
App-Based Ambulance Cover
Second Opinion
20% No Claim Bonus

Lifeline Supreme (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 5L to 1 Cr
Waiting Period - 30 Days

Royal Sundaram's Lifeline Elite

This plan is the foremost version of Lifeline health insurance, it offers a high sum insured of 1.5 cr. The plan provides worldwide coverage and Elite Plus benefits.

Unique Features

Worldwide Coverage
Affordable Premiums
Tax Benefit

Lifeline Elite (Pros)

No Room Rent Capping
Maternity Cover
Health Checkup
Global Coverage
Worldwide Emergency Evacuation

Lifeline Elite(Cons)

No Gender Treatments
No Cosmetic Surgery Cover
No War Injury Cover
No Vaccination Cover
No Obesity/Weight Cover

Lifeline Elite(Other Benefits)

Health And Wellness Benefits
OPD Treatment
Elite Plus Benefit
Second Opinion
20% No Claim Bonus

Lifeline Elite (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 25L to 1.5 Cr
Waiting Period - 30 Days

Royal Sundaram Arogya Sanjeevani

Provides coverage for basic medical expenses, which include hospitalization, and pre and post-hospitalization expenses at affordable prices.

Unique Features

Cataract Cover
Hernia Cover
Pre Existing Disease Cover

Arogya Sanjeevani (Pros)

Cataract Treatment
Pre Hospitalization
Post Hospitalization
Modern Treatments
Cumulative Bonus

Arogya Sanjeevani(Cons)

No Gender Treatments
No Global Coverage
No Maternity Cover
No Cosmetic Cover
No Obesity/Weight Cover

Arogya Sanjeevani(Other Benefits)

Dental Cover
Day Care Treatment Cover
Ambulance Cover
Parents-in-law cover
5% No Claim Bonus

Arogya Sanjeevani (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 50 Thousand to 10 Lakh
Waiting Period - 30 Days

Royal Sundaram Advanced Top-Up

A plan that includes inpatient treatment, Ayush treatment, and donor expenditures and has no room rent caps or sub-restrictions.

Unique Features

All-Day Treatment Cover
Life Protect Benefit
Inpatient Hospitalization

Royal Sundaram Advanced Top-Up (Pros)

Modern Treatments
Pre Hospitalization Cover
Post Hospitalization Cover
Inpatient Care
Domiciliary Hospitalisation

Royal Sundaram Advanced Top-Up(Cons)

No Infertility Treatments
No Adventure Sports Cover
No Dietary Supplements Cover
No Cosmetic Cover
No Obesity/Weight Cover

Royal Sundaram Advanced Top-Up(Other Benefits)

Dental Cover
Home Care Treatment Cover
Ambulance Cover
AYUSH Cover
Organ Donor Benefit

Royal Sundaram Advanced Top-Up (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 50 Lakh-1 Cr
Waiting Period - 30 Days

Royal Sundaram Personal Accident

A plan that protects against accidental death or disability, and includes a 50% No-Claim Bonus. The plan has flexible premium payment terms.

Unique Features

24*7 Global Coverage
Family Cover
No Income Proof Required

Personal Accident (Pros)

Educational Grant
Recovery Benefit
Temporary total Benefit
Instant Cover
Carriage of Dead Body

Personal Accident(Cons)

No Infertility Treatments
No Maternity Cover
No Dietary Supplements Cover
No Cosmetic Cover
No Obesity/Weight Cover

Personal Accident(Other Benefits)

Disablement Cover
Loss Of Hearing Cover
Ambulance Cover
Pre- Existing Disease Cover
No Medical Test Required

Personal Accident (Eligibility Criteria)

Entry Age - 5 Years
Max Entry Age - 70 Years
SI - 2.5 Lakh - 10 Lakh
Waiting Period - 30 Days

Multiplier Health Insurance

A plan that offers the ABCD (Asthma, BP, Cholesterol, Diabetes) benefits. It covers several chronic illnesses as well as pre-existing diseases.

Unique Features

Flexi Reload Benefit
4X Multiplier Benefit
Health And Wellness Plus

Multiplier Health Insurance (Pros)

22 Critical Illness Covered
AYUSH Cover
Organ Donor Expenses
Pre Existing Disease Coverage
Modern Treatment Cover

Multiplier Health Insurance(Cons)

No Gender Treatments
No Global Coverage
No Maternity Cover
No Cosmetic Cover
No Obesity/Weight Cover

Multiplier Health Insurance(Other Benefits)

In Patient Cover
Day Care Treatment Cover
Emergency Domestic Evacuation
Virtual Health Coach
Hospital Plus Benefit

Multiplier Health Insurance (Eligibility Criteria)

Entry Age - 5 Years
Max Entry Age - 65 Years
SI - 5L to 25L
Waiting Period - 30 Days

Royal Sundaram Family Plus

A plan that offers the ABCD (Asthma, BP, Cholesterol, Diabetes) benefits. It covers several chronic illnesses as well as pre-existing diseases.

Unique Features

Dialysis Cover
Maternity Benefit
AYUSH Treatment Cover

Family Plus (Pros)

Renewal Benefit
Emergency Domestic Evacuation
20 % No Claim Bonus
Joint Replacement Cover
Cataract Expenses 8% Of SI

Family Plus(Cons)

No Alcoholism cover
No War Injury Cover
No Global Coverage
No Cosmetic Cover
No Gender Treatment Cover

Family Plus(Other Benefits)

Chemotherapy 10 % of SI
Day Care Coverage
Ambulance Cover
Room Rent up to 2% SI
ICU Charges up to 4% SI

Family Plus (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 15 L
Waiting Period - 30 Days

Royal Sundaram Divyang Plus

A plan that covers people with disabilities and affected by HIV/AIDS.

Unique Features

Mental illness cover
Affordable premiums
Cataract cover

Divyang Plus (Pros)

Pre & post hospitalization cover
Flexible premiums
Ayush treatment
Pre-existing disabilities cover
Pre existing diseases cover

Divyang Plus(Cons)

Not a family floater plan
WP on pre-existing disabilities
Low sum insured
No air ambulance

Divyang Plus(Other Benefits)

Ayush up to 50% of sum insured
60 days post hospitalization
Ground ambulance cover
40K per eye allotted for cataract
4 premium payment options

Divyang Plus (Eligibility Criteria)

Entry Age - 18 Years
Max Entry age: NA
Sum insured: 4 - 5 lakhs
Waiting period: 24 & 48 months

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