Royal Sundaram Lifeline Plan - Compare and Buy Online
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Royal Sundaram Health Insurance Royal Sundaram Health Insurance ★ 4.4

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
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,703 reviews
🏥 10,000+ hospitals
📊 2.20 solvency ratio
✅ 96.17% claim settlement

Royal Sundaram Lifeline offers three variants: Elite, Supreme, and Classic, with sum insured options ranging from 2 Lakhs to 1.5 Crore.

Why Do We Recommend This?
  • Worldwide coverage available
  • Health check-up covered
  • Wellness benefit available

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

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

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

Royal Sundaram Health Insurance

This video explains Royal Sundaram Health Insurance in detail.

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

Frequently Asked Questions

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.

Explore Royal Sundaram Health Insurance

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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: 17 Oct 2024

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