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Royal Sundaram Lifeline Elite Plan

Lifeline Elite is for people who keep traveling to other countries and are looking for a comprehensive Health Insurance Plan that offers coverage in India and overseas.

Anyone, more than 18 years of age can buy this plan, which is available in an individual as well as family floater option. You can avail the best of medical and healthcare facilities, in India and abroad. The sum assured options range from INR 25 lakh to 1.5 crores.

Lifeline Elite offers various additional benefits including international treatment, critical illnesses, cover, maternity expenses, major health issues, and accidental expenses within India and abroad.

Royal Sundaram Lifeline Elite Plan Key Features

The advantages of Royal Sundaram Lifeline Elite Plan are as follows:

  • Maternity expenses are also covered in the Elite plan
  • Worldwide emergency hospitalization expenses are also covered
  • Second medical opinion cover for 11 life-threatening diseases is provided under this plan
  • The easy online purchase process
  • Easy cancellation process
  • Get double the sum insured and no-claim-discount after five-consecutive years

Royal Sundaram Lifeline Elite Plan Inclusions

  • Pre and post-hospitalization expenses for 60 days for the former & 180 days for the latter
  • Inpatient Hospitalization charges
  • OPD charges up to Rs.10,000
  • Emergency Hospitalization expenses to be covered worldwide. The limit is up to 50% of the Sum Insured and to a maximum of Rs.20 lakh. Coverage can be extended to the USA and Canada. Deductibles of $1000 are applicable to each claim
  • The plan covers different daycare procedures
  • Organ donor costs to be compensated up to the sum assured limit
  • Emergency domestic evacuation cover and the limit is up to Rs.3 lakh
  • It also covers hospitalization expenses overseas for 11 specified critical illnesses. The limit is up to 3 lakh and it includes the return airfare as well. Coverage can be extended to the USA and Canada.
  • Maternity expenses are covered for a maximum of 2 deliveries if both the parents are covered under the same plan. It includes the new-born baby cover and his vaccination expenses
  • Emergency ambulance charges up to Rs.10,000
  • Domiciliary hospitalization cover ( subjected to the terms and conditions)
  • No-claim-discount ranges from 20 to 100% of the sum assured. NCB remains intact, despite a claim during the policy term.
  • Annual health check-up facility is offered to the insured members
  • Emergency domestic evacuation expenses up to Rs.3 lakh
  • Restoration of the sum insured upon exhaustion of the No-claim-discount and sum insured
  • AYUSH treatment expenses in a government hospital for a maximum of Rs. 50,000
  • Second medical opinion expenses to be covered in case of 11 specified critical illnesses
  • Vaccination expenses for an animal bite and the limit is up to Rs.7,500

Sum Assured Options in Royal Sundaram Lifeline Elite Plan

  • The minimum sum insured amount is INR 25 lakhs
  • The maximum sum insured amount is INR 1.5 crore

Common Exclusions under the Royal Sundaram Lifeline Elite Plan

Following medical expenses are not covered under this policy:

  • Pre-existing ailments that were declared at the time of purchasing the policy shall only be covered after waiting of 48-months of the policy term
  • Any illness that was diagnosed in the initial 30 days of the policy purchase is not covered
  • In case there is any gap in the renewal then your claim will be rejected
  • Cataract surgeries and hip/knee replacement surgery will be covered after 2-years of the continuous policy term
  • There is a waiting period of 2-years for treatment required for Benign Prostatic Hypertrophy, and End Stage Renal Failure

Royal Sundaram Lifeline Elite Plan Permanent exclusions

The insurer will reject any claim arising due to the following medical reasons:

  • Any alternative treatment (other than AYUSH treatment)
  • Medical cover availed due to Addictive Conditions and Disorders, Adventure or Hazardous Sports
  • Convalescence benefits
  • Cosmetic surgeries
  • Rehabilitation treatment
  • Disaster and conflicts
  • Congenital diseases
  • Treatment for eyesight
  • OPD Expenses
  • Wellness Clinics
  • AIDS
  • Hereditary Conditions
  • Sexually Transmitted Diseases
  • HIV
  • Speech Disorders
  • Artificial Life Support/Maintenance
  • Obesity
  • Circumcision
  • Treatment for sleep disorders
  • Preventive care
  • Oral care
  • Treatment that was taken from an unrecognized hospital or physician
  • Alopecia treatment
  • Stem cell implantation
  • Investigative treatments
  • Sexual problems
  • Psychological disorders
  • Self-inflicted Injuries
  • Hospitalization required to treat developmental problems
  • Any type of experimental treatment
  • Loss or damage resulting from an unlawful activity

For details please read your policy wordings before making the payment.

Royal Sundaram Lifeline Elite Plan Claim Procedure

Claim Procedure of Royal Sundaram Lifeline Health Insurance Plans

Claim intimation is the first step in this regard. It is important to notify the insurance company in the stipulated time for both the planned and unplanned hospitalizations.

At the time of claim intimation, you need to furnish the following details:

  • Patient’s name/proposer name/policyholder name
  • Diagnosis of the treatment with reports
  • Date of hospital admission
  • Hospital name, address and contact details
  • Treating Doctor’s name and contact details
  • Expected discharge date

Cashless Pre-Authorization Process for Medical Treatment in India

  • If it was a planned hospitalization then make sure that you inform the TPA beforehand. If you want to go for cashless treatment then let your insurer know about the same at least 72 hours in advance.
  • If it is an emergency hospitalization, then initiation within 48-hours shall suffice
  • Once you have submitted documents as per the requirement then your claim will be processed and you shall get your approval within 3-hours of document submission
  • Any extra expense that is not covered under the policy shall be paid by you
  • A rejection letter will be issued in case the given treatment is not covered under the policy

 Royal Sundaram Lifeline Elite Reimbursement Claims Procedure

  1. All the claims require you to fill, sign and then submit the claim form
  2. It is then followed by the submission of all the documents within a month of getting discharged from the hospital. Please note that complete documentation is required for all the claims
  3. In case any document is missing or there is any discrepancy, intimation will be given to you within 7 days of submission
  4. Upon submission of all the required documents, your claim request will be taken forward and your claim amount will be settled within 30 days
  5. All the payments shall be made in the name of the policyholder
  6. You can send all the claim documents at the nearest branch

 Cashless Pre-Authorization Claim Procedure (for Overseas Emergency Hospitalization)

  • In any case, it is required to inform the insurer within a day of the hospitalization
  • Your request will be assessed as per your policy’s eligibility criteria and then it will be taken forward
  • The insurer will check with the concerned hospital if your pre-authorization request has been accepted or not
  • The insure settles the hospital bills directly once the claim is settled
  • Any extra expense that is not covered under the policy shall be borne by you

Claim Procedure for 11 specified Critical Illness

  • Once a specified critical illness is diagnosed, then make sure that you immediately inform the insurer before arranging for your treatment overseas
  • Register a pre-authorization request before undergoing treatment overseas
  • The insurer will ascertain your request and claim eligibility and will ask for details as per your case
  • Your claim acceptance or rejection will depend on the approval of your pre-authorization request
  • Your claim will be settled once your request is approved, and the same will be conveyed to you
  • The expense will be settled directly by the insurer
  • Any extra expense that is not covered under the policy shall be paid by you
Written By: PolicyBazaar - Updated: 09 January 2020
Average Rating
(Based on 33 Reviews)
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Royal Sundaram Lifeline Elite 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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