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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Royal Sundaram Health Insurance for Senior Citizens

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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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


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