Royal Sundaram Lifeline Health Plan

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      Royal Sundaram Lifeline Health Plan

      Lifeline Health plan is a comprehensive insurance plan that caters to medical needs of both - you and your family members! With growing uncertainties of health issues in India, having medical insurance has become inevitable. Anyone above 18 years of age can buy this plan. This is an individual plan as well as family floater plan for joint families in India - providing health cover to you, your children and spouse. Because a healthy family is a happy family!

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      Royal Sundaram Lifeline Health Plan has three variants:

      • Lifeline Classic
      • Lifeline Supreme
      • Lifeline Elite

      These plans offer wide cover ranging from Rs. 2 Lakhs to Rs. 1.5 Crore.

      Eligibility Criteria to Buy Royal Sundaram Lifeline Health -

      • The proposer needs to be above 18 years to get insured under this plan
      • There is no cap on maximum entry age
      • The plan will provide coverage to the insured and their spouse as well as their dependent children aged between 91 days and 25 years

      Royal Sundaram Lifeline Health Insurance Plans Comparison Table

      Features/Coverage Royal Sundaram Classic Royal Sundaram Supreme Royal Sundaram Elite
      Sum Insured (in Rs.) 2, 3, & 4 Lacs 5, 10, 15, 20, & 50 Lacs 25, 30, 50, 100, & 150 Lacs
      Baseline Cover Benefits
      Inpatient Hospitalization Maximum up to SI Maximum up to SI Maximum up to SI
      Day care treatment Maximum up to SI Maximum up to SI Maximum up to SI
      Organ Donor Expenses Maximum up to SI Maximum up to SI Maximum up to SI
      Ambulance Expenses Up to 3,000 Rupees Up to 5,000 Rupees Up to 10,000 Rupees
      Pre &  Post Hospitalization Expenditure 30 & 60 days (Covered up to SI) 60 & 90 days (Covered up to SI) 60 & 180 days (Covered up to SI)
      Other Benefits
      No-Claim-Discount 10% of Basic Sum Insured up to a max of 50 percent of SI 20% of Basic Sum Insured up to a max of 100 percent of SI 20% of Basic Sum Insured up to a max of 100 percent of SI
      Domiciliary Hospitalization Maximum up to SI Maximum up to SI Maximum up to SI
      Vaccination in case of Animal Bite Coverage up to 2,500 Rupees Coverage up to 5,000 Rupees Coverage up to 7,500 Rupees
      Restoration of Sum Insured Up to the Basic SI Up to the Basic SI Up to the Basic SI
      Ayush Treatment Cover Government hospitals cover up to the sum insured amountOther hospital cover up to Rs.20,000 Government hospitals cover up to the sum insured amountOther hospital cover up to Rs.30,000 Government hospitals cover up to the sum insured amountOther hospital cover up to Rs.50,000
      Global Emergency Hospitalization Cover-(Excluding US & Canada) - - 50% of the Basic sum insured and maximum limit is 20 Lacs

      Deductible Applicable for every hospitalization i.e. $1,000
      Emergency Domestic Evacuation Cover - Max. Rs.1lakh Max. Rs.3 Lacs
      Overseas Treatment for specified 11 life-threatening diseases( Excluding USA & Canada) - - Coverage up to the SI limitReturn Airfare expense covered up to Rs.3 Lacs
      Health & Wellness Benefits
      Health Check-up Facility Once in a year after completion of 3-consecutive policy years Yearly Yearly
      Preventive Wellness & Healthcare Service Provided Provided Provided
      Second Medical Opinion for 11 specific Life-threatening Illnesses Not Included Available once during the policy year Available once during the policy year
      OPD Expenses Not Included Not Included Up to 10,000 rupees
      Maternity Benefits
      Maternity Expenses ( max. 2 deliveries) Not Included Not Included Up to 2 Lacs for SI < 50 Lacs.Up to 2.5 lacs for SI > 50 Lacs.
      Coverage for New Born Baby Not Included Not Included 25% of Sum Insured
      New born baby vaccinations cover in the first year Not Included Not Included Up to 10,000 rupees
      Optional Benefits
      Top-up Insurance plan on Yearly Aggregate Basis Deductibles Applicable of Rs. 1, 2, 3, 4, 5 & 10 Lacs. Deductibles Applicable of Rs. 1, 2, 3, 4, 5 & 10 Lacs. -
      Daily Hospital Cash Benefit ( for hospitalization > 2 days and to a maximum of 30 days) Rs.1,000 per day Rs.2,000 per day Rs.5,000 per day
      Option to include Overseas Treatment for specified 11 life-threatening diseases( Excluding USA & Canada) Not Included Not Included Included


      1.Royal Sundaram Lifeline Classic Plan


      The Key Features & Benefits of Royal Sundaram Lifeline Classic Plan are Listed Below:

      • Policy tenure of 1,2 & 3 years
      • Comprehensive health insurance plan
      • Lifelong renewability
      • A grace period of 30 days
      • Easy cancellation process

      Inclusions of Royal Sundaram Lifeline Classic Plan

      • Inpatient hospitalization expenses including fees charged by doctors, medical tests, nursing and boarding charges, operation theater and ICU charges, cost of medicines, drugs, and vaccinations. Blood, oxygen and other charges are also included
      • 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)
      • All day care treatment expenses( required as part of treatment) to be reimbursed up to the sum insured limit ( except OPD charges)
      • Ambulance charges to be covered up to Rs.3,000
      • Organ Donor treatment expenses to be compensated up to the sum insured limit
      • Domiciliary hospitalization charges are also included
      • No-claim bonus (NCB) between 10-50% of sum assured. It is not reduced if a claim is filed in a particular year
      • 100% reinstatement of sum insured and No-claim bonus, if the sum assured is exhausted during the treatment of different diseases
      • AYUSH treatment cover up to sum assured - if hospitalization is done in a government recognized hospital. In other hospitals, compensation is up to Rs.20,000
      • Vaccination for an animal bite is covered up to Rs.2,500
      • Complete health check-up facility in every 3rd year of the policy
      • Preventive healthcare and wellness facility

      Sum Assured (Rs.)

      • Sum insured is a minimum of Rs 2 lakhs
      • Maximum up to Rs 4 lakhs

      2. Royal Sundaram Lifeline Supreme Plan

      The Key Features & Benefits of Royal Sundaram Lifeline Supreme Plan are Listed Below:

      • Policy tenure of 1,2 & 3 years
      • Double your coverage amount with No-claim-discount after 5 years of the policy term
      • Emergency domestic evacuation cover
      • Second opinion for 11 major critical illnesses
      • Easy cancellation process

      Inclusions of Lifeline Supreme Plan

      • Covers all the inpatient hospitalization expenses
      • 60 days of pre-hospitalization expenses and 90 days of post-hospitalization expenses are reimbursed
      • Medical expenses for day-care procedures like chemotherapy, radiotherapy required as a part of the treatment ( excludes OPD expenses)
      • Ambulance cover is extended up to Rs. 5,000.
      • Coverage for organ donor expenses up to the sum assured limit
      • Domiciliary hospitalization expenses to be recompensed up to the sum insured limit
      • 20% to 100% of No-claim bonus (NCB) benefit. The value does not reduce even when a claim is filed during a particular year
      • 100% reinstatement of sum insured upon exhaustion of the total sum insured and No-Claim Bonus.
      • AYUSH Treatment cover up to the sum assured when hospitalization is done in government hospitals. For other hospitals, the limit is up to Rs. 30,000.
      • Vaccination cover up to Rs. 5000 in case of an animal bite
      • Annual health check-up facility for each insured member who is above 18 years of age and this is irrespective of the claim
      • Domestic evacuation expenses up to Rs. 1 lakhs

      Sum Assured (Rs.)
      Minimum sum insured is Rs. 5 lakhs
      Maximum sum insured is Rs. 50 lakhs

      3. Royal Sundaram Lifeline Elite Plan

      The Key Features & Benefits of Royal Sundaram Lifeline Elite Plan are Listed Below:

      • Worldwide emergency hospitalization cover
      • Maternity cover
      • Second opinion coverage for 11 major critical illnesses
      • Double your sum insured ad no-claim bonus benefit after 5 years
      • Easy cancellation process

      Inclusions of Royal Sundaram Lifeline Elite Plan

      • Covers inpatient hospitalization expenses
      • 60 days pre and 180 days post-hospitalization cover
      • Daycare treatment cover up to the sum assured limit
      • International treatment cover for 11 specified critical illnesses along with return flight cost to be reimbursed up to Rs.3 lakhs. This excludes cover in the US and Canada. This can be additionally covered at the time of policy purchase.
      • Worldwide emergency hospitalization cover up to 50% of insurance amount or up to Rs.20 lakhs. This excludes cover in the US and Canada. This can be additionally covered at the time of policy purchase. Deductibles applicable - equal to $1000 per claim amount
      • Maternity cover is provided for 2 deliveries ( both the spouse should be insured)
      • Newborn baby cover along with the cost of vaccines for the first year
      • Also covers OPD treatment charges up to Rs.10,000
      • Extended ambulance reimbursement up to Rs.10,000
      • Organ donor treatment expenses are covered up to the sum assured limit
      • Reimbursement for domiciliary hospitalization expenses
      • 20% to 100% of NCB benefit. The value does not reduce even when a claim is filed during a particular year
      • Reinstatement of sum assured on exhaustion of policy amount and NCB
      • AYUSH Treatment in government hospitals ( up to the sum insured) and for other hospitals the insurance cap is of 50,000
      • Up to Rs.7,500 vaccination cover in case of an animal bite
      • Annual health check-up facility
      • Second opinion cover - this is valid for 11 specific critical illness ( when diagnosed or undergoing treatment)
      • Up to Rs.3 lakhs of domestic evacuation cover in case of an emergency

      Sum Assured (Rs.)
      Minimum sum insured is Rs. 25 lakhs
      Maximum sum insured is Rs. 1.5 crore

      Common Exclusions under the Plan

      Royal Sundaram Lifeline health insurance plan does not cover the following expenses: 

      • Pre-existing illnesses mentioned while purchasing the policy should be covered after completion of 2 continuous policy years. Any break in between will make it inapplicable
      • Any claim arising within the first 30 days of the policy inception date ( unless it is an accidental case)
      • For the initial 2 years disease like hip replacement surgery, Cataract, benign prostatic Hypertrophy renal failure shall not be covered
      • Critical Illness diagnoses or treatment during the initial 90 days from the policy commencement date shall not be recompensed

      Permanent Exclusions -

      • Alternative treatment other than Ayush treatment
      • Congenital diseases
      • Self-inflicted injuries or mental disorders like anxiety and depression
      • Plastic & cosmetic procedure/surgeries
      • Speech related disorders
      • Treatment for HIV/AIDS infection
      • Stem cell implantation
      • Alopecia treatment
      • Sleep-related disorders
      • Dental treatment
      • Observational hospitalization
      • Hospitalization required due to involvement in unlawful activities
      • Any occupationally related disease
      • Treatment received outside India ( it is covered in the supreme plan)

      Please refer to the policy wordings for further details, before making the purchase.

      Claim Procedure of Royal Sundaram Lifeline Health Insurance Plans

      Firstly you need to start with the claim intimation

      Notify the insurance company at least 72 hours before hospitalization in the event of planned hospitalization. In the event of emergency hospitalization, you need to inform the insurer within 48 hours.

      You need to furnish the following details during claim intimation:

      • Name of the insured person/patient
      • Details of the Hospital- Name, Contact Number and Address
      • Diagnosis
      • Hospitalization date
      • Details of the Treating Doctor ( his name and contact details)
      • Expected discharge date

      Procedure for Royal Sundaram Lifeline Health Insurance Pre-Authorization (Cashless Facility)

      • If your hospitalization was planned then you need to notify the TPA and try for cashless authorization at least 72 hours before the hospitalization
      • And for emergency hospitalization, the TPA needs to be informed within 48 hours of the hospitalization
      • Once all the documents are submitted the TPA will approve cashless authorization as per your eligibility criteria and the policy. Approval will be given within 3 hours of document submission. In case the documents are incomplete, then it will also be communicated to the hospital within 3 hours of receipt of documents
      • You will need to pay the other expenses that are not covered in your policy
      • In case a given treatment is not covered under this plan. then a claim rejection letter would be sent to the hospital within 2 hours of the request

      Procedure for Royal Sundaram Lifeline Health Insurance Reimbursement Claims

      1. Please send the duly filled and signed claim form and all the information/documents mentioned* therein to Royal Sundaram Insurance within 30 days from the date of discharge. * Please refer to claim form for complete documentation.
      2. If there is any discrepancy in the documents/information submitted by you, Royal Sundaram will send the deficiency letter within 7 days of receipt of claim documents.
      3. Once all the claim documents are submitted, the insurance company will pay off the admissible amount. You will also get the claim settlement letter within 30 days.
      4. The payment will be made in the name of the proposer.
      5. Claim documents can be sent on their address

      Procedure to avail Pre-Authorization for Cashless facility (for Worldwide Emergency Hospitalization)

      • For cashless treatment, you need to inform within 24 hours of the hospitalization
      • The insurer’s service provider will assess the request and your eligibility of as per the policy terms. They can seek more information ( as the case may be)
      • Royal Sundaram’s service provider will check with the hospital whether your claim request for pre-authorization has been rejected or is approved
      • If the claim is approved, your claim will be settled directly with the hospital. Please note that any extra charges, medical costs that are beyond the scope of coverage shall be borne by the policyholder

      Procedure for International Treatment for 11 specified Critical Illness

      • In case of diagnosis of a specified critical illness, the policyholder should immediately call their service provider before travelling for treatment overseas
      • You need to file a request for a pre-authorization for the overseas treatment
      • The service provider will assess the request and your eligibility for the claim and seek more information or details depending on your case
      • The decision will be communicated directly to you and the hospital regarding the rejection and approval of the pre-authorization
      • If the request is approved, your claim cost will be settled directly with the hospital
      • Any other expenses incurred during the treatment that is beyond the scope of coverage by or at any non-network hospital should be borne by the policyholder.
      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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