Royal Sundaram Health Insurance for Senior Citizens

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      Royal Sundaram Health Insurance for Senior Citizens

      Royal Sundaram Health Insurance for senior citizens provides medical coverage to elderly people aged 60 years and above. The Lifeline insurance plan by Royal Sundaram General Insurance Company Limited covers the medical expenses of senior citizens and is available in three variants – Classic, Supreme and Elite plans.

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      Key Benefits of Royal Sundaram Health Insurance for Senior Citizens

      Take a look at the key benefits of Royal Sundaram Health Insurance for senior citizens:

      • Coverage for COVID-19 hospitalization available
      • Both individual and family floater coverage available
      • A wide range of sum insured options starting from Rs 2 lakh to Rs 1.5 crore
      • Free health check-up facility available
      • Preventive healthcare & wellness and diseases management services available
      • Double the sum insured with No Claim Bonus after 5 consecutive claim-free years
      • Cashless hospitalization facility at more than 5000 network hospitals across India
      • 100% reload of the sum insured if exhausted partially or completely
      • 5% & 12% discount on opting for 2 years or 3 years policy tenure respectively
      • Tax benefits available under Section 80D of the IT Act

      Royal Sundaram Health Insurance Plans for Senior Citizens

      Check out the Royal Sundaram health insurance plans available for senior citizens:

      Plan Name

      Sum Insured (Rs)


      Royal Sundaram Lifeline Classic Health Insurance Plan

      2 lakh to 4 lakh


      Royal Sundaram Lifeline Supreme Health Insurance Plan

      5 lakh to 1 crore


      Royal Sundaram Lifeline Elite Health Insurance Plan

      25 lakh to 1.5 crore

      20% (For international treatment claims)

      Eligibility Criteria for Royal Sundaram Health Insurance for Senior Citizens

      The following table shows the eligibility criteria for elderly parents to buy a Royal Sundaram Health Insurance plan for senior citizens:


      Eligibility Criteria

      Minimum Entry Age

      18 years

      Maximum Entry Age

      No age limit

      Family Members Covered

      Self, spouse



      Inclusions of Royal Sundaram Health Insurance for Senior Citizens

      The following coverage is available under Royal Sundaram Health Insurance for senior citizens:

      • In-patient Care
      • Pre-hospitalization Expenses
      • Post-hospitalization Expenses
      • AYUSH Treatment
      • Day Care Procedures
      • Ambulance Cover
      • Organ Donor Expenses
      • Domiciliary Hospitalization
      • Animal Bite Vaccination
      • Emergency Domestic Evacuation (Excluded under Classic plan)
      • Worldwide Emergency Hospitalization excluding US & Canada (Only under Elite plan)
      • International Treatment for Listed Critical Illness excluding US & Canada (Only under Elite plan)
      • Second Opinion for Listed Critical Illness (Excluded under Classic plan)
      • OPD Treatment (Only under Elite plan)
      • Maternity Cover (Only under Elite plan)
      • New Born Baby Cover (Only under Elite plan)
      • New Born Baby Vaccination for First Year (Only under Elite plan)
      • In-patient Care for Pre-existing Diseases under Life-threatening Conditions (Excluded under Classic plan)
      • Bariatric Surgery (Excluded under Classic plan)
      • Mobility Devices (Excluded under Classic plan)
      • IVF Treatment (Only under Elite plan)

      Optional Covers:

      • Hospital Cash Benefit
      • Extension of Worldwide Emergency Hospitalization & International Treatment including US & Canada (Only under Elite plan)
      • Top-up Plan (Excluded under Elite plan)

      Exclusions of Royal Sundaram Health Insurance for Senior Citizens

      Royal Sundaram Health Insurance plans for senior citizens exclude the following coverage:

      • Obesity/weight control procedures
      • Treatment of alcoholism or drug abuse
      • Cosmetic or plastic surgery
      • Dietary supplements purchased without a doctor’s prescription
      • Artificial life maintenance
      • Refractive error
      • Self-inflicted injuries


      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*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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