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Royal Sundaram Lifeline Health Insurance

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Royal Sundaram Health Insurance
Lifeline
Claim Settlement Ratio92%
Network Hospitals10,000+
Pre-existing Disease Waiting Period3 years
Special BenefitsModern Treatments Such as Bariatric Covered
Starting Premium for Rs. 5 lakhs SIRs. 382/month
Starting Premium of Rs. 5 lakhs SIRs. 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.

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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/PlanClassicSupremeElite
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
ICU Charges
Actual
Actual
Actual
Pre and Post Hospitalization
30 & 60 days
60 & 90 days
60 & 180 days
Day Care Procedure
All
All
All
Organ Donor
Up to SI
Up to SI
Up to SI
AYUSH
Govt. hospitals covered up to SI, other hospitals covered up to Rs. 20000
Govt. hospitals covered up to SI, other hospitals covered up to Rs. 30000
Govt. hospitals covered up to SI, other hospitals covered up to Rs. 50000
OPD Benefit
N/A
N/A
Up to Rs. 10000
Domiciliary Hospitalization
Up to base SI
Up to base SI
Up to base SI
Ambulance Cover
Up to Rs. 3000
Up to Rs. 5000
Up to Rs. 10000
Second Opinion
N/A
Covered for 11 critical illnesses
Covered for 11 critical illnesses
Worldwide Emergency Cover
Covered
Covered
Covered
Emergency Medical Evacuation
N/A
Covered up to Rs. 100000
Covered up to Rs. 300000
Initial Waiting Period
30 days
30 days
30 days
Specific Illness Waiting Period
2 years
2 years
2 years
Waiting Period of PED
4 years
3 years
2 years
Additional Features
Top up plan with aggregate annual deductible, hospital cash
Top up plan with aggregate annual deductible, hospital cash
Top up plan with aggregate annual deductible, hospital cash
Maternity Cover
N/A
N/A
Up to Rs. 2.5 lakh, up to 2 deliveries
Special Feature
International treatment for 11 specified critical Illnesses, worldwide emergency hospitalization
International treatment for 11 specified critical Illnesses, worldwide emergency hospitalization
International treatment for 11 specified critical Illnesses, worldwide emergency hospitalization, 1st vaccination of the newborn up to Rs. 10000
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4963 Royal Sundaram Cashless Network Hospitals in India

Lifeline User Reviews

Write your review
What users are saying
  • All
  • Amazing policy benefits for fa...

    I recently bought the Royal Sundaram- Lifeline Policy at InsuranceDekho and found the process smooth enough. I bought the policy for my family as it offers great coverage benefits. It offers coverage for in-patient hospitalization expenses, pre and post-hospitalization expenses, etc. 

    A
    By Ajay Batra
    On: Aug 16, 2023
  • Quick Issue of Plans

    My heartful thanks to InsuranceDekho for helping me in buying a health insurance plan quickly. I bought Royal Sundaram- Lifeline from the company’s website. Each and every step during my purchase of the plan was quick and easy. The customer support team guided me throughout the process and elaborated all the features and benefits of the plan in detail. Recommended to all!

    M
    By Manoj Kapoor
    On: Jul 07, 2023
  • Informative Website

    InsuranceDekho is a top-notch insurance company. Their website is highly informative and made it easier for me to compare health plans. After comparing all the options available, I bought the Royal Sundaram Lifeline Health Insurance Policy as it was matching all my requirements. Thanks to the company for helping me during my purchase. 

    K
    By Koyal Kumari
    On: Jun 13, 2023
  • Good deal to go for!

    I bought this plan one year back but never realised then that I would start loving this plan this much. There are many other benefits under this plan from alternative treatments to an emergency ambulance and from domiciliary hospitalisation to no-claim bonus. This policy over the last year has helped me endure the medical costs.

    M
    By Mukesh Khare
    On: Feb 17, 2020
  • Very beneficial!

    Considering the health coverage plan and beneficial components of this plan that i got to know after one year, I concluded that Lifeline policy is a good plan. It is very reliable and affordable health insurance plan that has covered almost every sort of the medical requirements of me and my family in last one year. 

    Y
    By Yash Mandal
    On: Feb 17, 2020

Add-ons to Enhance Benefits

  • Top-up Plan on Annual Aggregate Basis

    Top-up plan on Aggregate annual Deductible options of Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh and
    Rs. 10 Lakh can be availed along with premium Discount. Customer can select any available sum insured
    under Classic & Supreme variant.

  • 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.

  • 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

  • Expert Review

    The Lifeline Plan by Royal Sundaram is a comprehensive indemnity policy, which tends to provide coverage to families. In today’s scenario, when soaring medical prices have become a huge constraint to get proper treatment and medication, a family health insurance plan is a saviour. The policy helps in bearing the financial expenses related to medical treatment without compromising on the quality of treatment.

    With the sum insured option up to Rs. 2 Crore, the plan is available in three variants such as Classic, Supreme and Elite. Each variant comes with distinguishing features and the sum insured options. The Lifeline plan is available on an individual basis and family floater basis as well. The family floater policy can include self, spouse, and children. The plan is designed to fulfill every possible health-related requirements of a family.

  • 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
  • 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
  • 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.

Royal Sundaram Lifeline Brochure

  • 906.31 KB
  • PDF Document
  • Mar 20, 2019

Claim Process at Royal Sundaram Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate at least 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Lifeline Health Insurance Plan

  • What is the minimum entry age for Royal Sundaram’s Lifeline Plan?

    Any person who is more than 18 years of age can be the proposer of Royal Sundaram’s Lifeline plan.

  • 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.

  • What is the maximum entry age for Royal Sundaram’s Lifeline policy?

    There is no restriction on maximum entry age.

  • 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.

  • 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.

  • What are the cover options for Royal Sundaram’s Lifeline Elite plan?

    Royal Sundaram’s Lifeline Elite Health Insurance Plan offers comprehensive health cover with Sum Insured options of Rs. 25 Lakh, Rs. 30 Lakh, Rs. 50 Lakh, Rs. 1 Crore and Rs. 1.5 Crore.

  • What are the benefits offered by Royal Sundaram’s Lifeline Classic Plan?

    Royal Sundaram’s Lifeline Elite Plan provides the following benefits to the policyholders- 1.Inpatient Hospitalisation expenses 2.Pre and Post-hospitalisation expenses amortized up to the amount of sum insured for 30 days and 60 days respectively 3.Coverage of all day care procedures up to the sum insured amount. 4.Ambulance cover up to Rs. 3,000. 5.Expenses for Treatment of Organ Donor covered up to the sum insured. 6.Domiciliary hospitalisation charges covered up to the sum insured. 7.No-claim bonus (NCB) starts from 10% of the sum insured and extends up to 50%. NCB is not reduced, even when a claim is filed during a particular year. 8.100% Reload of sum insured during the treatment of different illnesses in the event of complete exhaustion of sum insured and NCB. 9.AYUSH Treatment - Inpatient hospitalisation cover up to Sum Insured in Government Hospitals and up to Rs. 20,000 in other hospitals. 10.Covers Vaccination in case of animal bite up to Rs. 2,500. 11.Provision of complete health check-up available once every 3rd policy year. 12.Preventive Healthcare and Wellness.

  • What are the benefits offered by Royal Sundaram’s Lifeline Supreme Plan?

    Royal Sundaram’s Lifeline Supreme plan offers the following benefits to the policyholders- 1)In-patient hospitalisation expenses up to Sum Insured. 2)Pre and post-hospitalisation expenses repayment up to the amount of sum insured for 60 and 90 days, respectively. 3)All day-care procedures up to the sum insured amount. 4)Ambulance cover of up to Rs. 5,000. 5)Coverage for the treatment of organ donor up to the amount of sum insured. 6)Domiciliary hospitalisation expenses covered up to the sum insured amount. 7)No-claim bonus (NCB) starts from 20% of the sum insured and extends up to 100%. No reduction in NCB, even when a claim is filed during a particular year. 8)100% Re-load of sum insured in case the total sum insured and NCB is completely exhausted. 9)AYUSH Treatment - Inpatient hospitalisation cover of the amount up to the sum insured in government hospitals and up to Rs. 30,000 in other hospitals. 10)Vaccination in case of animal bite - Expenses up to Rs. 5,000 covered 11)Annual health check-ups for every member more than 18 years old, irrespective of claim. 12)Second opinion for diagnosis and treatment of 11 specified critical illnesses. 13)Emergency domestic evacuation cover of up to Rs. 1 Lakh.

  • What are the benefits offered by Royal Sundaram’s Lifeline Elite Plan?

    Royal Sundaram’s Lifeline Elite Plan provides the following benefits to the policyholders- I.In-patient Hospitalisation. II.Pre and post-hospitalisation expenses repayment up to sum insured for 60 days and 180 days, respectively. III.Coverage for all types of day care procedures up to the sum insured. IV.Maternity Benefit cover for up to 2 deliveries if both husband and wife are covered under the same family floater policy including New Born Baby Cover and Vaccination for New Born in first year. V.OPD Treatment Cover of up to Rs. 10,000. VI.Emergency Ambulance Cover of up to Rs. 10,000. VII.Organ donor treatment available up to the amount of sum insured. VIII.Domiciliary hospitalisation expenses reimbursed up to the amount of sum insured. IX.No-claim bonus (NCB) starts from 20% of the sum insured and extends up to 100% of the total sum insured. NCB is not deducted, even when a claim is filed during a particular year. X.Provision of re-load of sum insured during treatment of different illnesses in event of complete exhaustion of sum insured and NCB. XI.AYUSH Treatment - In-patient hospitalisation cover up to Sum Insured in Government Hospitals and up to Rs. 50,000 in other hospitals. XII.Vaccination in case of animal bite - Expenses up to Rs. 7,500 covered. XIII.Annual Health Checkups. XIV.Second opinion for diagnosis and treatment of 11 specified critical illnesses. XV.Emergency domestic evacuation cover of up to Rs. 3 Lakh.

  • Is No-Claim Bonus provided in all the variants of Royal Sundaram’s Lifeline plan?

    Royal Sundaram’s Lifeline plan has three variants, viz Classic, Supreme and Elite. Classic offers NCB of 10% of Base SI up to a max of 50% of SI, Supreme offers NCB of 20% of Base SI up to a max of 100% of SI, and Elite offers 20% of Base SI up to a max of 100% of SI.

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