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Royal Sundaram Health Insurance Royal Sundaram Health Insurance ★ 4.4

Royal Sundaram Lifeline Elite Plan

Comprehensive health insurance covers road traffic accidents and assis ...Read More

Up to 1.5 Cr
Sum insured
1
No. of plans
160+
Pan India presence
96.17%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,703 reviews
🏥 10,000+ hospitals
📊 2.20 solvency ratio
✅ 96.17% claim settlement

Comprehensive health insurance covers road traffic accidents and assisted reproductive treatments. The plan offers a 5% discount on premiums for maintaining a healthy lifestyle.

Why Do We Recommend This?
  • Avail cataract treatments for covered members
  • Emergency domestic evacuation is available
  • Compassionate travel

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹25 L, ₹30 L, ₹50 L, ₹1 L, ₹1 L
Waiting period
30 days
Renewability
Lifelong
Policy term
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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Cancer of specified severity
  • Heart attack
  • Kidney failure

Cons

  • Illegal activities
  • Alcoholism
  • Obesity

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Covered

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1.5 Cr

Frequently Asked Questions

The 5 most-asked questions about Royal Sundaram Lifeline Elite Plan, answered.

Individuals whose age is between 18 to 65 years are eligible to buy this policy.
The sum insured options with the Royal Sundaram Lifeline Elite plan are 25 L, 30 L, 50 L, 1 Cr, 1.5 Cr.
Yes, you can avail of the PED’s cover after a waiting period of 24 months.
The insured individuals (husband and wife must be covered under the same family floater policy) can avail of the maternity benefits for the medical expenses of upto 2 deliveries.
Yes, animal bite vaccinations and vaccinations related to newborn babies are covered under the policy.

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 31 Jan 2025

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