Royal Sundaram Lifeline Health Insurance
Claim Settlement Ratio | 92% |
Network Hospitals | 10,000+ |
Pre-existing Disease Waiting Period | 3 years |
Special Benefits | Modern Treatments Such as Bariatric Covered |
Starting Premium for Rs. 5 lakhs SI | Rs. 382/month |
Starting Premium of Rs. 5 lakhs SI | Rs. 382/month |
About Royal Sundaram Lifeline Health Insurance
Royal Sundaram's Lifeline plan is designed to cater to both your daily healthcare needs and unexpected medical emergencies. Anyone above 18 can purchase it, and it's available as an individual or Family Floater plan, covering you, your spouse, and children. This flexible plan adapts to your preferences, including health check-ups, ambulance charges, animal bite vaccinations, and pre and post-hospitalisation expenses.
The Lifeline Health Insurance Plan comes in three variants – Classic, Supreme, and Elite, offering a broad range of sum-insured options from Rs. 2 Lakh to Rs. 1.5 Crore. Each variant provides unique benefits, allowing you to choose the one that best suits your health coverage requirements.
Royal Sundaram Lifeline Health Insurance At a Glance
Highlights of Royal Sundaram Lifeline Health Insurance are listed in the table below:
Coverage |
Individual and Family Floater |
Variants |
Classic, Supreme, and Elite |
Key Features |
Affordable Premium, Additional Benefits, etc. |
Policy Term |
1, 2 and 3 Years |
Inclusion |
Daycare Procedure, Ambulance Cover, etc. |
Exclusion |
Pre Existing Medical Conditions, Permanent Exclusions, etc. |
Renewability |
Lifetime |
Riders Available with Royal Sundaram Lifeline Health Insurance
Below-mentioned are the add-ons or riders available with Lifeline Health insurance plan:
- Hospital Cash: If you choose this optional benefit, Lifeline Classic provides extra financial support by offering hospital cash of up to Rs. 1,000 per day. This means you'll receive this daily amount to help cover additional expenses during your hospital stay.
- Global Emergency Hospitalisation: This feature allows the inclusion of the United States and Canada for emergency hospitalisation worldwide and international treatment for 11 specified critical illnesses. This benefit is accessible only at the initiation of the initial policy and is exclusive to the Elite variant.
- Top-Up Plans: Lifeline Classic also gives you the option to choose top-up plans, providing additional coverage of up to Rs. 4 lakhs. This means you can enhance your existing coverage by opting for this supplementary plan.
Variants of Royal Sundaram Lifeline Health Insurance
Here’s a tabulated representation of different plan variants of Lifeline Health Insurance:
Features |
Classic |
Supreme |
Elite |
Sum Insured |
Rs. 2, 3 and 4 lakhs |
Rs. 5, 7.5, 10, 15, 20, 25, 50 lakhs and Rs. 1 crores |
Rs. 25, 20 and 50 lakhs, Rs. 1 and 1.5 crores |
Pre-hospitalisation |
Covered Up to 30 Days |
Covered Up to 60 Days |
Covered Up to 60 Days |
Post-hospitalisation |
Covered Up to 60 Days |
Covered Up to 90 Days |
Covered Up to 180 Days |
No Claim Bonus |
Available Up to 10% of Sum Insured |
Available Up to 20% of Sum Insured |
Available Up to 20% of Sum Insured |
Daily Hospital Cash |
Rs. 1k/day |
Rs. 2k/day |
Rs. 5k/day |
Air Ambulance |
Not Covered |
Covered Up to Rs. 1 lakh |
Covered Up to Rs. 3 lakhs |
Global Coverage |
Not Covered |
Not Covered |
Covered |
Key Features of Royal Sundaram Lifeline Health Insurance Plan
The following are the key features of the Royal Sundaram Lifeline Health Insurance Plan:
- Affordable Premiums: Lifeline Health insurance plans come with premiums that won't dent your savings, making quality healthcare accessible without affecting your budget.
- Additional Benefits: Access extra perks such as hospital cash and the option to increase your coverage by topping up the sum insured to Rs. 4 lakhs.
- Extensive Network of Hospitals: With over 5000 affiliated network hospitals nationwide, you'll never have to worry about finding a suitable healthcare provider. Their network ensures medical treatment accessibility across India.
- No-Claim Bonus (NCB): With NCB starting at 10% and extending up to 50% of the sum insured, the plan rewards you for not filing claims by offering a bonus that doesn't decrease, even if a claim is filed in a specific year.
- 100% Reload of Sum Insured: Lifeline Classic allows a 100% reload of the sum insured during the treatment of different illnesses when the sum assured and NCB are completely exhausted.
Eligibility Criteria of Royal Sundaram Lifeline Health Insurance Plan
The eligibility criteria for the Royal Sundaram Lifeline Health Insurance plan are as follows:
Parameters |
Eligibility Criteria |
Minimum entry age |
Adult: 18 Years Child: 91 Days |
Maximum entry age |
Adult: No Limit Child: 25 Years |
Initial Waiting Period |
30 Days |
Sum Insured |
Rs. 2 lakhs - 1.5 crores |
Benefits of Royal Sundaram Lifeline Health Insurance Plan
This health insurance plan offers the following benefits:
- No Room Rent Capping: You're not limited by any restrictions on room rent. Policyholders have the flexibility to choose the room that best suits their needs without worrying about extra charges.
- No Claim Bonus: You earn a 10% No Claim Bonus for every year without filing a claim, and this bonus can go up to 50% of your sum insured. It's a reward for staying healthy.
- COVID-19 Coverage at Home: Lifeline Health Insurance covers COVID-19 hospitalisation at home. this means that you're protected in case you need treatment while staying in the comfort of your home.
- Cashless Hospitalisation: Enjoy the convenience of cashless hospitalisation, where you don't need to worry about paying upfront for covered medical expenses.
- Emergency Ambulance Cover: The plan includes coverage for emergency ambulance services.
- AYUSH Treatment Inclusion: Alternative treatments like Ayurveda, Yoga, and other traditional methods are covered, providing holistic healthcare options.
- Free Health Check-ups: Lifeline Health Insurance offers free health check-ups at regular intervals, allowing you to monitor your health and detect potential issues early on.
- Family Floater Option: Choose the family floater plans option to cover the health needs of your entire family under a single policy, making it more convenient and cost-effective.
Inclusions of Royal Sundaram Lifeline Health Insurance Plan
Inclusions of the Royal Sundaram Lifeline Health Insurance are mentioned below:
- Inpatient Hospitalisation Expenses: Lifeline Classic covers the costs of staying in the hospital for medical treatment, ensuring that your hospitalisation expenses are taken care of.
- Pre and Post-hospitalisation Expenses: The plan includes coverage for both pre and post-hospitalisation expenses, easing the financial burden by extending coverage for 30 days before and 60 days after hospitalisation, up to the sum insured amount.
- Coverage of All Day Care Procedures: Lifeline Classic provides coverage for all day care procedures, ensuring that the expenses for these treatments are included up to the sum insured amount.
- Ambulance Cover: The plan offers ambulance cover, reimbursing expenses up to Rs.3,000.
- Treatment of Organ Donor: Lifeline Classic covers the expenses related to the treatment of an organ donor, providing financial support up to the sum insured amount.
- Domiciliary Hospitalisation Charges: The plan includes coverage for domiciliary hospitalisation charges, which covers medical expenses for treatment at home up to the sum insured amount.
- AYUSH Treatment: The plan covers AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatments for inpatient hospitalisation in government hospitals and up to Rs.20,000 in other hospitals.
- Coverage for Vaccination in Case of Animal Bite: Lifeline Classic includes coverage for vaccination expenses in case of an animal bite, providing financial support up to Rs.2,500.
- Complete Health Check-up: The plan offers a comprehensive health check-up once every 3rd policy year, allowing you to monitor your health and detect potential issues early on.
Exclusions of Royal Sundaram Lifeline Health Insurance Plan
The exclusions in this plan are as follows:
- Pre-existing Medical Conditions: Health issues that the insured already had when buying the policy will be covered only after 48 months of continuous policy coverage. Any gaps in renewing the policy will make claims void.
- Initial 30-Day Disease Exclusion: Illnesses contracted by the insured person in the first 30 days after starting the policy are not covered under claims.
- Specific Disease Exclusions for First Two Years: Diseases like Cataract, Benign Prostatic Hypertrophy, Knee/Hip Replacement, Chronic Renal Failure/End Stage Renal Failure, etc., will not be covered in the first two years of the insurance.
- Permanent Exclusions: Permanently excluded conditions encompass medical cover related to Addictive Conditions and Disorders, Hereditary Conditions, Mental Health, Obesity, Alternative Treatment (except AYUSH), Adventure or Hazardous Sports, Ageing and Puberty, Artificial Life Maintenance, Congenital Conditions, Cosmetic Surgery, Circumcision, Conflict and Disaster, HIV and AIDS, Preventive Care, Reproductive Medicine, and more. Also, injuries resulting from unlawful activities are not covered.
Documents Required for Royal Sundaram Lifeline Health Insurance Plan
To purchase the Royal Sundaram Lifeline Health Insurance plan, you have to carry the following documents:
- Application form
- Aadhar card
- Passport
- Voter ID
- Driving License
- Birth Certificate
- Provide passport-sized photos
- In some cases, health check-up reports might be needed
- If asked, submit the documents requested by the insurance company
How to Buy Royal Sundaram Lifeline Health Insurance?
To purchase the Royal Sundaram Lifeline Health Insurance Plan, just follow these steps:
Step 1: Start by visiting the InsuranceDekho website.
Step 2: Tap on "Health Insurance" under the "Insurance" tab.
Step 3: Choose "Royal Sundaram" from the list of health insurance companies.
Step 4: Now, select the "Lifeline Health Insurance" plan from the list of plans available.
Step 5: Make sure you read the policy document carefully.
Step 6: Upload the required documents for verification.
Step 7: Complete the online payment for the medical insurance premium.
Step 8: You will receive the policy document via email successfully.
Claim Process for Royal Sundaram Lifeline Health Insurance
You can claim your Royal Sundaram Lifeline Health Insurance policy through two methods:
Cashless Claim
- Visit a hospital partnered with Royal Sundaram.
- Provide all information about your Royal Sundaram Lifeline Health Insurance plan and other necessary details.
- Submit the required documents for claim settlement.
- The insurance company will directly settle the hospital expenses on your behalf.
Reimbursement Claim
- Choose a hospital within Royal Sundaram’s network.
- Pay for your medical bills at the selected hospital.
- Initiate a reimbursement claim on the insurance company's website.
- Fill out the claim form for Royal Sundaram Lifeline Health Insurance accurately and submit the same other necessary documents.
Health Insurance Calculator
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Key Inclusions and Exclusions of the Plan
What's Included
- Domiciliary hospitalisation is covered up to the Sum Insured in all the three variants of the plan, i.e. Classic, Supreme and Elite
- Emergency Domestic Hospitalisation (excluding US and Canada) covered in all the variants
- AYUSH Treatment is another added benefit that the plan provides in all the variants
- Reload of Sum Insured is provided up to the base Sum Insured in all the variants
- No-Claim Bonus is provided in all the three variants of the Lifeline plan
What's Not Included
- Expenses for the treatment of HIV or AIDS and related ailments
- Treatments consisting of non-allopathic medicine are excluded
- Any illnesses or disease contracted due to intake of alcohol or other addictive substances will not be covered
- Cosmetic, aesthetic, or related treatments are excluded
- Waiting period of 2-4 years is applicable for pre-existing diseases as per plans respectively
Lifeline Plan Details
Features/Plan | Classic | Supreme | Elite |
---|---|---|---|
Restoration Benefit | 100% of SI | 100% of SI | 100% of SI |
No Claim Bonus | Maximum up to 50% of SI | Maximum up to 100% of SI | Maximum up to 100% of SI |
Room Rent | Actual | Actual | Actual |
4963 Royal Sundaram Cashless Network Hospitals in India
Choose Royal Sundaram Plan for
Add-ons to Enhance Benefits
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Hospital Cash
If the insured person is hospitalised and is accepted as an in-patient hospitalisation claim, hospital cash amount is paid as specified for each continuous and completed period of 24 hours of hospitalisation. The benefit amount is paid only if the insured person has been hospitalised for a minimum period of 48 hours continuously. The amount is not paid for more than 30 days of hospitalisation in total under any policy year.
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Worldwide Emergency Hospitalisation
This benefit provide option to include US and Canada for worldwide emergency hospitalisation and international treatment for 11 specified critical illnesses. The benefit can be availed only at the inception of the first policy and is available only with Elite variant.
Royal Sundaram Lifeline Expert Review
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Major Attractions
When it comes to family, the Lifeline health insurance plan is considered a perfect scheme to opt for. The plan holds a lot of features to offer a holistic coverage to the customers. Some elements in this plan are that is available in almost every other insurance plan such as pre and post hospitalisation expenses, in-patient hospitalisation, an extensive network for cashless hospitalisation, and so on. However, the plan also acquires some unique features as well, which have become its major attractions. Some of them are as follows:
- Worldwide emergency hospitalisation
- The option of the second opinion for 11 critical illnesses
- Maternity and newborn baby cover up to 2 deliveries
- Availability of 100% reload of the sum insured with no additional cost
- Coverage for hospitalisation related to Ayush treatment
- All daycare expenses are covered up to the sum insured
- Availability of coverage for vaccination in case of animal bite
- Cover up to the sum insured is available for domiciliary hospitalisation
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What’s More?
The benefits of the policy are not over yet. It acquires much more than the coverage limits, where the plan helps the policyholders in making profits as well. The additional components of the plan make it affordable and profitable. Here are some other advantages of the plan:
- The option of lifelong renewability is offered
- Tax benefits can be earned under section 80D of the IT Act
- Health check-up is available for once in every 3rd policy year
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Conclusion
Considering the coverage and profitable elements of the policy, it can be concluded that the Lifeline Plan by Royal Sundaram is a good plan. It is a reliable and economical health insurance policy which covers almost all the medical needs of yours and your loved ones.
As you are aware of the highlights of the plan, now you need to find the right platform to buy it. The health insurance policies can be purchased online as well as offline, but online is a more preferred platform. On this note, several firms in the market are managing the online platforms among which InsuranceDekho.com is considered the best. The company gives you transparency, detailed information, claim settlement assistance, help in decision making, and much more.
Claim Process at Royal Sundaram Health Insurance
FAQs on Lifeline Health Insurance Plan
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Who all will be covered under Royal Sundaram’s Lifeline policy?
Royal Sundaram’s Lifeline policy will cover the applicant, spouse and up to four dependent children aged between 91 days and 25 years.
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What is the maximum entry age for Royal Sundaram’s Lifeline policy?
There is no restriction on maximum entry age.
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What are the cover options for Royal Sundaram’s Lifeline Classic plan?
Lifeline Classic comes with sum insured options of Rs. 2 Lakh, Rs. 3 Lakh, and Rs. 4 Lakh.
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What are the cover options for Royal Sundaram’s Lifeline Supreme Plan?
Royal Sundaram’s Lifeline Supreme plan comes with Sum Insured options of Rs. 5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh and Rs. 50 Lakh.