Royal Sundaram Lifeline Classic Plan

It can be financially and emotionally distressing if any of the family members gets hospitalized. Dealing with such medical emergencies can take a toll on our own health and finances. Royal Sundaram Health Insurance can offer you peace of mind during such trying times. You can get the best medical treatment at any of their network hospitals in your vicinity with Royal Sundaram Lifeline Classic Plan.

Features of Royal Sundaram Lifeline Classic Plan

The advantages of staying insured under this plan are as follows:

  • Policy tenure ranges from 1 to 3 years
  • It is an all-inclusive health insurance policy
  • The plan offers lifetime renewability option
  • There is a grace period of 30 days to renew your policy
  • Easy cancellation and purchase process
  • Both Individual and family floater option available
  • Quick and Hassle-free claim settlement process

Inclusions of Royal Sundaram Lifeline Classic Plan

The plan reimburses the following medical expenses:

  • Inpatient hospitalization expenses including doctor fees, medical tests, operation theater charges, nursing and boarding charges, cost of medicines, ICU charges, and vaccinations. Blood oxygen and other charges are also covered
  • No-claim bonus
  • Pre-hospitalization charges to be covered for 30 days and Post-hospitalization charges to be covered for 60 days ( up to the sum assured limit)
  • Daycare treatments are reimbursed up to the sum insured limit ( OPD charges are excluded)
  • Ambulance charges to be covered up to Rs.3,000
  • Emergency domiciliary hospitalization expenses are also recompensed
  • 10-50% of sum assured as No-claim bonus ( if no claim is filed during a policy term)
  • Organ donor treatment expenses to be recompensed up to the sum insured limit
  • After every 3rd year of the policy, the policy offers complete health check-up facility
  • Preventive healthcare and wellness facility
  • 100% restoration of the sum insured, upon exhaustion of the sum assured during treatment of different diseases
  • AYUSH treatment expenses in a government hospital (up to the sum assured). In other hospitals, the limit is up to Rs.20,000
  • Vaccination for the animal bite is covered up to Rs.2,500

Sum Insured Options

  • Minimum: Rs. 2 lakhs
  • Maximum: Rs. 4 lakhs
  • Adults: 18 years & above Children:  91 days to 25 years

Exclusions of Royal Sundaram Lifeline Classic Plan

The insurer is not liable to pay any expenses for the following medical conditions under the Lifeline Classic health insurance plan. Mentioned below are the health conditions that are  

  • Maternity expenses
  • Pre-existing illnesses that are mentioned at the time of policy purchase will be covered after completion of 48 months of the policy period
  • Claims are invalidated in case of any gap in the renewal
  • Diseases that are diagnosed within the initial 30 days from the policy commencement date are excluded from the policy
  • Surgeries such as Benign Prostatic Hypertrophy, Cataract, End Stage Renal Failure, Knee/Hip Replacement surgeries are excluded until completion of 2 years of the policy period.

Permanent exclusions

The plan does not cover the expense incurred on the following medical conditions:  

  • Medical cover availed due to Addictive Conditions and Disorders, Adventure or Hazardous Sports
  • Puberty and Ageing
  • Alternative Treatment (except AYUSH)
  • Convalescence and Rehabilitation
  • Charges for Medical Papers
  • Congenital Conditions
  • Conflict and Disaster
  • Cosmetic Surgery
  • Eyesight Treatment
  • Drugs and Dressing for OPD Treatment
  • Wellness Clinics
  • HIV and AIDS
  • Hereditary Conditions
  • Obesity
  • OPD Treatment
  • Hospitalization for Investigative or observational purpose only
  • Personal comfort and convenience items
  • Psychiatric and Psychosomatic Conditions
  • Reproductive Medicine
  • Circumcision
  • Dental/Oral Treatment
  • Preventive Care
  • Sexually Transmitted Diseases
  • Self-inflicted Injuries
  • Sexual problems and gender issues
  • Sleep Disorders
  • Stem Cell Implantation
  • Speech Disorders
  • Alopecia treatment
  • Artificial Life Maintenance
  • Treatment for developmental problems
  • Treatment received in an International hospital
  • Experimental/ Unproven treatment
  • Treatment from an Unrecognized Physician or Hospital
  • Injury or illness resulting due to involvement in an unlawful activity

Royal Sundaram Lifeline Classic Plan Claim Procedure

There are two types of claim that you can register:

  • Health Insurance Reimbursement Claim
  • Cashless Health Insurance Claim

You can only avail cashless benefit at a network hospital.  The list of network hospitals is available on the insurer’s site.

The process for both cashless and reimbursement claims is different and is explained in detail below:

Royal Sundaram Health Insurance Claim Intimation

For claim intimation you need to furnish the following information:

  • Name of the hospital
  • Royal Sundaram health policy number
  • Nature of illness
  • Contact details of the policyholder, residential address, email id, landmark, etc.
  • Name of the patient or insured member who is availing the treatment
  • Relationship of the insured with the patient
  • The date when the illness started to give its initial symptoms
  • For claims related to accidental injuries, you would need to provide the time, date, location and details of the incident

Royal Sundaram Health Insurance Cashless Claim Procedure

  • For planned hospitalization claims, you need to inform your Third-party administrator about the treatment and seek cashless authorization within 72 hours of hospitalization.
  • In case of an unforeseen hospitalization, inform the TPA within 24 hours of getting hospitalized.
  • Firstly you will need to fill the cashless authorization form; you can get it from the TPA. All the details and your eligibility criteria will be checked before sanctioning your claim request.
  • Attach all the necessary documents along with the duly filled claim form and submit it to the TPA department. In case of any query or discrepancy, the TPA will get in touch with you within few hours of receiving the form.
  • Make the payment for the expenses that are not covered in the plan
  • If your claim is invalidated, the insurer will issue a rejection letter in your name within 2 hours.

Royal Sundaram Health Insurance Reimbursement Claim Procedure

The claim procedure for medical treatment taken in a non-network hospital is listed below:

  • Fill and sign the claim form. You need to submit it within 30 days of getting discharged from the hospital
  • If all goes well, then you will get compensation equal to your claim amount within 30 days of registering the claim
  • If your claim is rejected, then the insurer will issue a rejection letter in your name within 7 days
  • The amount will be settled in the name of the proposer/applicant
  • The documents shall be submitted at the nearest branch office
Written By: PolicyBazaar - Updated: 09 January 2020
Average Rating
(Based on 33 Reviews)
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Royal Sundaram Lifeline Classic Plan Reviews & Ratings
4.2 / 5 (Based on 33 Reviews)
(Showing Newest 15 reviews)
Manoj
Pune, July 25, 2016
Sundaram Health Policy
The health insurance policy I have is from royal sundaram general insurance. The policy is great and more benefits in less premiums. Easy renewals on online portal service and the updates also can be seen too regarding insurance policy.
Himanshu
Ghatal, July 08, 2016
Health Care
I have health insurance plan like every one does, but my insurance policy premium is less. Policy coverage is high and claims are even better. The large number of hospitals are there which facilitate fast services to the customers.
Tanisha
Bhopal, June 24, 2016
Best Health Plan
My health insurance plan is the best which provide me best returns. Policy coverage is high which provide's ambulance service for both sides i.e., pick and drop at any locations. Claims are easy to sanctioned due to fast service from the company side. Good number of hospitals make faster and easier treatment which are safe and secure.
P
Chennai, March 12, 2016
LifeLine
Really It Was Good Royal Sundaram Giving Good service while taking the policy and for claim service also
Lokesh
Delhi, March 10, 2016
Good.
I have good health insurance policy plan with royal sundaram general insurance. Policy coverage is 50% and the claims are high. Premiums are low. Number of hospitals are there for providing services. Claiming procedure is easy and ambulance is facilitate for free of any charges. Good policy good work.
Devesh
Gurgaon, March 10, 2016
Fair plan for health.
I recently buy the health insurance from royal sundaram general insurance. Policy coverage and claims are high and the investments are low. Returning amount is approx. Rs.2.4 L. Ambulance is free but not available for anytime. Good Service from executives and staff.
Anuj
Raj_nagar, March 10, 2016
Not bad
An average health insurance policy plan i have got from royal sundaram general insurance. Policy coverage is 60% and the claims are ~Rs.2.7 L. Claiming process is easy due to fast services. Ambulance is also there for free. Keep up team.
Anubhav
Noida, March 10, 2016
Bad service.
Policy coverage is 80% and claims are around Rs.3 L, even ambulance is take some percent charges of the bill and the premiums are low but the service is slow. Please improve you service royal sundaram general insurance. Rest all thing are good in your health insurance plan.
Hemant
Rameswaram, March 10, 2016
above average
I own health insurance policy plan with royal sundaram general insurance. It has 80% policy coverage and the claims are easily sanctioned because of fast services you provided. Ambulance is facilitate for free of cost and huge number of the hospitals are there for service.
Chirag
Shajapur, March 10, 2016
Okay Policy Plan.
My health insurance is with royal sundaram general insurance. Basically it is an average policy plan which has low premiums as well as returns. Policy coverage and claims are okay. Ambulance is free of any charges but the service is slow. Improve your services.
Malay
Meerut, March 10, 2016
Not Satisfactory.
My policy plan is not good at all. I don't like it. Royal sundaram general insurance provides me health insurance policy plan. Policy coverage and claims are not good and even the premiums are high. Ambulance is not for free it take charges to provide services.
Astha
Greater_noida, March 10, 2016
Nice Health Policy.
I have my health insurance policy plan like every one else. Policy is with royal sundaram general insurance. Policy coverage and claims are also nice with less investments. Ambulance is on service for free and services are really very fast and on the.
Gunjan
Gangapur, March 10, 2016
Very nice.
My Health policy plan is very nice because it has great benefits with low premiums. Policy coverage and claims are high and return amount is approx. rs.3.7 L. Service is always on time with full taking care of it. Large number of hospitals are present and working with you guys.
Manish
Uttamnagar, March 10, 2016
Fine Plan.
The service provided by the royal sundaram general insurance is the very good and fast. I bought health insurance policy plan from them and really happy to buy it. The policy coverage and claims are high and the premiums are low. Nice work.
Rahul
Kheda, March 10, 2016
Best Plan Ever.
Royal sundaram general insurance provides me health insurance policy plan. This plan had all staff, policy coverage is 98%, Claims are approx. Rs.3.5 L, Service is fast like paradox and even the ambulance is facilitate for free of any charges. I like this policy plan.
Vikas
Bikaner, March 10, 2016
Great plan!
My health insurance policy plan is the best because i buy it from royal sundaram general insurance. Many benefits are there like ambulance is providing service from door steps to hospital and then return home. Policy coverage and claims are high but the premiums are medium. Nice policy plan.
Vishal
Bhubaneshwar, March 10, 2016
Good Policy Coverage.
My policy plan is health insurance with royal sundaram general insurance. Service you provided is great and very fast too. Claims are high and premiums are low. Policy coverage is around 98% the best thing in this policy. Happy with the plan.
Tarun
Kanpur, March 10, 2016
Claiming Issue
I have health insurance with royal sundaram general insurance. The policy is covering 60% of the health issues. Service is also nice with fast and taking care the situations. Claims are not that good and the claiming procedure is not good. Long time it will take to sanctioned. Ambulance take charges for giving service.
Gaurav
Hyderabad, March 09, 2016
Less coverage.
My health insurance policy plan has almost all stuff just the policy coverage is very less ~30% but rather than this all are fine like claims are approx. Rs.3 L. Ambulance is also facilitate for free of any charges. Service very quick so the claims are easily sanctioned. Great work.
Manav
Mysore, March 09, 2016
Fair plan.
My health insurance policy plan is with royal sundaram general insurance. Policy coverage is 60% and the claims are ~rs.1.9 L. The claiming process is very easy and no paper work. Ambulance take charges. Just increase your range of hospitals.
Jitender
Faridabad, March 09, 2016
Perfect Policy Plan.
I got health insurance policy plan by taking advice of my friend. Thanks,royal sundaram general insurance for such a nice policy plan with great benefits. Ambulance don't take any charges, Claims and policy coverage are high and the premiums are low.
Omesh
Delhi, March 09, 2016
Fantastic plan.
I own health insurance policy plan from royal sundaram general insurance. Claims are Rs.2.1 lakhs and the policy coverage is areound 80% but service of your web page is slow please improve it. Executives are behave well and all issues are solved with nice care.
Gaganpreet
Amritsar, March 09, 2016
Good Plan.
I found really good health insurance policy plan from royal sundaram general insurance. Claims and policy coverage is high and the premiums are low. Around 2.1 lakhs are claimed and easily sanctioned because of fast services.
Joginder
Ahmedpur, March 09, 2016
Nice Health Policy.
I buy health insurance policy plan from royal sundaram general insurance. Policy coverage is fantastic ~80% and the claims are easily sanctioned due to fast services provided by executives. Ambulance is also facilitate for free. Great work.
Yogesh
Pune, March 01, 2016
Perfect Policy.
Royal sundaram health insurance policy plan i purchase last month by taking advice of piolicybazaar agent. Really good policy having high policy coverage and claims, even the premium is very low. I like it.
Plan Name: Lifeline Supreme
Agent Code: BPW01951

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