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Royal Sundaram Lifeline Elite Plan
Royal Sundaram Lifeline Elite Plan is the only health insurance you need now! Why? Let's understand this with an example. Rahul and Aditya …
- Cancer of specified severity
- Heart attack
- Kidney failure
Royal Sundaram Health Insurance
Lifeline Health Insurance Plan
Royal Sundaram Lifeline offers three variants: Elite, Supreme, and Cla ...Read More
Up to 1.5 Cr
Sum insured
1
No. of plans
160+
Pan India presence
96.17%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,703 reviews
🏥 10,000+ hospitals
📊 2.20 solvency ratio
✅ 96.17% claim settlement
About Lifeline Health Insurance Plan
A quick read on what this Royal Sundaram Health Insurance plan covers and why it might be a fit for you.
Lifeline Health Insurance by Royal Sundaram is a comprehensive health insurance plan that addresses your day-to-day healthcare needs. It offers in-patient coverage, ambulance charges, maternity and newborn baby expenses, health check-ups, and more.
The plan is available in three variants designed to meet the health insurance needs of you and your family:
- Lifeline Classic
- Lifeline Supreme
- Lifeline Elite
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 Years to No Upper Age Limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹10 L, ₹20 L, ₹30 L, ₹50 L, ₹1 L, ₹1 L
Waiting period
30 days
Renewability
Lifetime
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
- Domiciliary Hospitalization
- Worldwide Emergency Hospitalization
- International Treatment Abroad
Cons
- Illegal Activities
- Adventure Sports
- Alcoholism
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Covered
- 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 Covered
- Road ambulance Covered
- Air ambulance 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
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Royal Sundaram Health Insurance
This video explains Royal Sundaram Health Insurance in detail.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Permanent diseases or health conditions not covered under the Royal Sundaram Lifeline Health Insurance Plan include:
- Hospitalization due to war, riot, strike, and nuclear weapons
- Intentional self-injury
- AIDS
- Miscarriage and abortion
- Congenital disease
- Infertility and in vitro fertilization
- Certain diseases and treatments are covered after a specified period:
- Listed ailments after 24 months
- Pre-existing diseases after 24/36/48 months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min Entry Age: 18 Years
- Max Entry Age: No limit
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 1.5 Cr
Other features & benefits
- Preventive health care and wellness
- Reload of Sum Insured
- OPD Cover
Royal Sundaram Lifeline Plan: FAQs
The 5 most-asked questions about Lifeline Health Insurance Plan, answered.
The plan comes with a Policy Tenure of 1 year, 2 years, and 3 years.
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.
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.
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
Follow the renewal process mentioned in the article above for a hassle-free renewal process.
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