ChatGPT
Claude
Perplexity
.
Lifeline Health Insurance Plan
- Domiciliary Hospitalization
- Worldwide Emergency Hospitalization
- International Treatment Abroad
Royal Sundaram Health Insurance
Royal Sundaram Health Insurance
Royal Sundaram General Insurance, India's first private sector general insurer, was licensed by IRDAI in October 2000. ...Read More
10,000+
Cashless hospitals
96.17%
Claim settlement
1.5 Cr
Max sum insured
8
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,703 reviews
🏥 10,000+ hospitals
📊 2.2x solvency ratio
✅ 96.17% claim settlement
What you get with Royal Sundaram Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 1.5 Cr
Coverage scales from entry-level individual plans to high-end family-floater protection.
10,000+ cashless hospitals
Direct billing at network hospitals across 160 presence — no out-of-pocket payment at admission.
96.17% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
2.2x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
8 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
Choose Royal Sundaram Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
Is Royal Sundaram Health Insurance Worth It? Full Review & Key Highlights
🛡️ Royal Sundaram Health Insurance Plan – Full Breakdown! In this video, we take a deep dive into the Royal Sundaram Health Insurance Plan, one of the leading options in the Indian health insurance market.
All 8 Royal Sundaram Health Insurance plans
Every plan currently being sold by Royal Sundaram Health Insurance, shown side-by-side so you can shortlist quickly.
Royal Sundaram Lifeline Elite Plan
- Cancer of specified severity
- Heart attack
- Kidney failure
Royal Sundaram Advanced Top-Up Plan
- Life protect benefit
- PEDs waiting period reduction
- Modern treatment
- No cost SI restore
Royal Sundaram Family Plus Plan
- Ambulance Cover
- Re-load of Sum Insured
- Second Opinion for 11 specified Critical Illnesses
Royal Sundaram Surrosafe Plan
- Covers surrogate mothers
- Covers oocyte donors
- Ambulance cover
Royal Sundaram Multiplier Health Plan
- No claim bonus
- Modern Treatments
- AYUSH Treatment
Royal Sundaram Health Personal Accident Policy
- Higher sum insured available
- Accidental death cover
- Disability cover
Royal Sundaram Lifeline Supreme
- Re-load of sum insured
- Health check-up
- App-based cabs
Quick comparison
Side-by-side across the 3 most-bought Royal Sundaram Health Insurance plans on PolicyX.
| Feature | Lifeline Health Insurance Plan | Royal Sundaram Lifeline Elite Plan | Royal Sundaram Advanced Top-Up Plan |
|---|---|---|---|
| Plan type | Individual and Family Health Insurance | Individual and Family Health Insurance | Top Up and Super Top Up |
| Sum insured | 2 L, 3 L, 4 L, 5 L, 10 L, 20 L,… | 25 L, 30 L, 50 L, 1 Cr, 1.5 Cr | 10 L, 20 L, 30 L, 40 L, 50 L, 6… |
| Entry age | 18 Years to No Upper Age Limit | 18 to 65 Years | Child - 91 days - 25 years, Adult - 18 … |
| Top benefits | Domiciliary Hospitalization · Worldwide Emergency Hospitalization | Cancer of specified severity · Heart attack | Life protect benefit · PEDs waiting period reduction |
10,000+ cashless hospitals
Find a Royal Sundaram Health Insurance network hospital near you. Direct billing — no out-of-pocket payment at admission.
Frequently asked questions
The 14 most-asked questions about Royal Sundaram Health Insurance, answered.
Yes, you can port your existing insurance policy to the Royal Sundaram Health Insurance Policy. Just submit an application with the required documents for the same.
Yes. You can cancel your policy and the premium will be refunded. However, the amount will be based on your policy’s terms and conditions.
You need to get in touch with the customer care of the company and share a request in writing to initiate the process. The request will be considered only after the necessary medical underwriting process.
Yes. The Royal Sundaram Health insurance is valid in all parts of India.
Yes, the hospitalization expenses incurred due to COVID-19 are covered under all the Health Insurance Policies of Royal Sundaram General Insurance Co. Ltd, as per the terms and conditions of the policy.
The company provides medical coverage against the below-listed treatment expenses: Room Rent, boarding expenses Intensive Care Unit charges Diagnostics Procedures charges Medicines, drugs and consumables Nursing Charges Intravenous fluids, blood transfusion, injection administration charges Anaesthesia, Blood, Oxygen, Operation theatre charges, surgical appliances The cost of prosthetics and other devices or equipment if implanted internally during a Surgical Procedure.
Follow the below-mentioned steps to check the Royal Sundaram health policy claim status: Visit the official website of the Royal Sundaram Health Insurance. Select the product type and enter your policy number. Select the ’Claim Related’ tab to track your claim status. You can also contact the customer care company at 1860 425 0000 or email at [email protected].
Yes, you can port from Royal Sundaram to any other insurance provider, at least 45 days before their next renewal date.
The Royal Sundaram Health Insurance has two payment options: Online payment Cash at the branch The policyholder can use the following methods to make an online payment: Credit Card Debit Card Net banking
No, medical tests are typically required only at the age of 45 or 50, depending on the product/plan selected by the consumer. It may also be required for members under this age if they have any specific disease.
No worries. The company offers a 30-day grace period in case you forgot to renew your health insurance. However, during the grace period, one won’t be able to avail coverage.
Like every other insurance plan, Royal Sundaram health insurance plans also come with exclusions. This means that 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 It is advisable to go through the plan brochure before buying a health plan.
There is no restriction on the number of claims until your sum insured is not exhausted.
Yes, the plans offered by Royal Sundaram offer the following benefits for women: Maternity cover. Newborn baby cover. Vaccinations for the newborn in the first year. Reload the sum insured. No limit on room rent.
Compare Health Insurance Companies
Pick any two insurers to see a detailed side-by-side comparison.
Other Health Insurance Companies
Compare Royal Sundaram Health Insurance mediclaim policies with other top insurers in India.
Customer satisfaction
Aggregate ratings from 2,703 verified PolicyX customers who bought a Royal Sundaram Health Insurance plan.
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
Share your Valuable Feedback
Rated by 2,703 customers
Was the Information Helpful?
Select Your Rating
We would like to hear from you
Let us know about your experience or any feedback that might help us serve you better in future.
Do you have any thoughts you'd like to share?