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Individual Health Insurance Plans

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Royal Sundaram Lifeline Health Insurance Plan

Royal Sundaram General Insurance has presented its customers with a comprehensive, indemnity health plan to safeguard you and your family from different types of health hazards and risks. Apart from having the basic covers of an ideal health insurance plan, this policy has a lot more to offer such as reload sum insured, double sum insured, IVF cover, international treatment abroad, and so on. If you want a perfect one-stop solution for your health, this policy is the ideal and the most convenient one for you.

Eligibility Criteria

Minimum entry age

Adult – 18 years

Dependent child – 91 days

Maximum entry age

Adult – No upper limit

Dependent child – 25 years

Plan typeIndividual and Family Floater
Who can be covered

Self, spouse, up to 4 dependent children

A separate floater plan can be taken for parents and other dependents.

Plan variantsLifeline Classic, Lifeline Elite/Elite Plus, Lifeline Supreme/Supreme Plus
Cashless facilityYes
Sum insured

Classic – Rs. 2 lakhs, Rs, 3 lakhs, and Rs. 4 lakhs

Supreme – Rs. 5 lakhs, Rs. 7.5 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, Rs. 20 lakhs, Rs. 25 lakhs, Rs. 50 lakhs, and Rs. 100 lakhs

Elite – Rs. 25 lakhs, Rs. 30 lakhs, Rs. 50 lakhs, Rs. 100 lakhs, and Rs. 150 lakhs

Sum insured enhancementOnly at the time of renewal
Premium zones

Zone 1 – Delhi/NCR, Mumbai (Including Thane and Vashi), Bengaluru, Chennai, Pune, Hyderabad, Kolkata, and Gujarat.

Zone 2 – Rest of India. A discount of 15% for members in Zone 2 will be applicable.

Waiting period

Initial – 30 days

Initial for critical illness – 90 days

For pre-existing diseases – 48 months (Classic), 36 months (Supreme), 24 months (Elite)

For maternity benefits – 36 months

For 16 specified illnesses – 24 months

Policy tenure1, 2, and 3 years
RenewalLifetime renewability
Grace period

In general – 30 days

For installment premium option – 15 days

Free look period15 days

Coverage Details Of The Royal Lifeline Plan

As this plan is a power-packed, complete health insurance policy with varied benefits and facilities to satisfy the different needs of the individuals, here are the key highlights of this plan in the following table. Have a look.

Parameters of benefitsClassicSupremeElite
In-patient care, pre, and post-hospitalization expenses, all day care procedures, organ donor expenses, and domiciliary hospitalizationUp to sum insured
Pre-hospitalization30 days60 days60 days
Post-hospitalization60 days90 days180 days
Emergency ambulance coverUp to Rs. 3000Up to Rs. 5000Up to Rs. 10,000
No Claim Bonus (NCB)10% of Base Sum Insured up to a maximum of 50% of the Sum Insured20% of Base Sum Insured up to a maximum of 100% of the Sum Insured20% of Base Sum Insured up to a maximum of 100% of the Sum Insured
Alternative (AYUSH) treatment

Government Hospitals – Covered up to Sum Insured

Other Hospitals – Covered up to Rs. 20,000

Government Hospitals – Covered up to Sum Insured

Other Hospitals – Covered up to Rs. 30,000

Government Hospitals – Covered up to Sum Insured

Other Hospitals – Covered up to Rs. 50,000

Vaccination in case of Animal BiteUp to Rs. 2500Up to Rs. 5000Up to Rs. 7500
Health check-upAvailable once every 3rd policy yearAnnualAnnual
Preventive Healthcare & WellnessYes, available
OPD TreatmentNot coveredNot coveredUp to Rs. 10,000
Maternity cover for up to 2 deliveriesNot coveredNot covered

For Sum Insured up to Rs. 50lakhs – Rs. 2 lakhs

For Sum Insured less than Rs. 50 lakhs – Rs. 2.5 lakhs

New Born Baby CoverNot coveredNot covered25% of the sum insured
Vaccinations for new born babies in the first yearNot coveredNot coveredCovered up to Rs. 10,000
Optional Benefits
Top-up plan on an annual aggregate basisDeductible of Rs. 1, 2, 3, 4, 5, and 10 lakhsDeductible of Rs. 1, 2, 3, 4, 5, and 10 lakhsNot available
Hospital Cash (for 30 days in case of hospitalization beyond 2 days)Rs. 1000 per dayRs. 2000 per dayRs. 5000 per day
Option to include the US and Canada for Worldwide Emergency Hospitalization and International Treatment for 11 specified Critical IllnessNot availableNot availableAvailable
ClassicSupreme PlusElite Plus
App based cabs as a part of ambulance coverNot availableUp to Rs. 5000Up to Rs. 10,000
In patients PED cover for life threatening conditions.Up to Rs. 1 lakhUp to Rs. 2 lakhs
Bariatric surgeryUp to Rs. 50,000, with 6 years waiting period.Up to Rs. 2 lakhs, with 4 years waiting period.
Mobility Devices – Wheel chairs, Crutches, etc.Up to 5% of Sum Insured or Rs. 50,000 (whichever is less)Up to Rs. 50,000
2nd Opinion for an additional 11 critical illnesses (total 22)AvailableAvailable
International treatment abroad for 3 additional critical illnesses (total 14)Not availableAvailable
In-Vitro Fertilization treatment (IVF)Not availableUp to Rs. 2,50,000 with a 4-year waiting period.

Benefits Of Royal Sundaram Lifeline Plan

Apart from the above-mentioned benefits, Royal Sundaram Lifeline Plan has come up with some more unique benefits and facilities to offer its consumers maximum protection. Here are the mentions of those.

Reload of the sum insured – You can reload your sum insured at no extra cost and the limit for it is up to the base sum insured. Also, you can double your sum insured in 5 claim-free years with a no claim bonus (NCB).

Emergency Domestic Evacuation – If your treating doctor advises you, then the expenses of bed to bed emergency domestic evacuation are covered by the policy. For Supreme Plan, the limit is up to Rs. 1 lakh, and for Elite Plan, it is up to Rs. 3 lakhs. The Classic Plan does not offer this coverage.

Worldwide Emergency Hospitalization – Only the Elite variant of this plan offers you this coverage. But it excludes US and Canada. The limit is 50% of the Base Sum Insured up to a maximum limit of Rs. 20 lakhs, with a Deductible of $1,000 per hospitalization.

International Treatment abroad for specified 11 critical illnesses – If you feel that you need international treatment for the pre-specified critical illness, you can easily avail of that with the Elite variant of this plan. But this excludes the US and Canada. It covers up to Sum Insured, and the return airfare is covered up to Rs. 3 lakhs.

Second Opinion for 11 specified Critical Illness – This plan allows you to have a second opinion for the pre-defined 11 critical illnesses. This facility is available once during the policy year.

Refresh of Sum Insured – This is an optional benefit and only available with the Supreme Plus and Elite Plus variants. With this facility, you can refresh your sum insured once in a lifetime, for the same illness.

Exclusions of Royal Sundaram Lifeline Plan

If you do not understand the exclusions of an insurance plan, you will not get a comprehensive idea of the plan, and for this, you might fall into problems in the future. So, for your better understanding of the Royal Sundaram Lifeline health insurance plan, here are the general exclusions of this plan, below. Have a look at those below.
  • The expenses that are incurred to you due to investigation and evaluation, will not be compensated by the policy.
  • Rest cure, rehabilitation, and respite care are permanently excluded from the policy.
  • Any medical treatment related to obesity or weight control will fall under the category of exclusions.
  • If you take part in any hazardous activities or adventurous sports such as hiking, mountaineering, para-gliding, scuba diving, etc. and if you get injuries from this, the policy will not take any responsibility for that.
  • Treatments related to gender change, cosmetic surgery, and plastic surgery are excluded from the policy.
  • If you avail of this policy from any of the excluded providers, then the company will not take any responsibility for that.
  • If any injury or treatments are incurred due to the consumption of drugs, alcohol, or any other intoxicating substances, the policy will not reimburse the expenses of that.
  • If you receive treatments in health hydros, nature cure clinics, spas, or any other similar clinics, it will fall under the category of exclusions.
  • The cost of dietary supplements or substances that can be purchased without any prescription such as vitamins, minerals, organic substances, etc. will not be compensated by the policy.
  • Self-inflicted injuries, suicide, or suicidal attempts are excluded from the policy.
  • Sexual problems, sexually transmitted diseases, sleep disorders, treatment of alopecia, etc. also fall under exclusions.

Premium Calculation of Royal Sundaram Lifeline Plan

Before purchasing a policy, it is very important to know the premium amount that you have to pay for the chosen data, so that, you can plan your budget accordingly. Therefore, here is an example of the premium calculation of this policy.

Suppose, Mr. Basu, 36 years old, Pune based businessman has purchased Lifeline health insurance policy for himself. Let us find out, how much premium amount he has to pay for the given data, for choosing the different sum insured options for different policy tenures.

Plan variantCoverage typeSum insuredChoice of TPAHospital cash coverage1-year premium amount2-year premium amount3-year premium amount
SupremeIndividualRs. 15 lakhsParamount Health Services (TPA) Pvt. Ltd.YesRs. 12,474Rs. 23,682Rs. 34,708
Rs. 20 lakhsRs. 13,167Rs. 24,999Rs. 36,637
Rs. 50 lakhsRs. 18,956Rs. 35,464Rs. 51,193

Frequently Asked Questions

This policy makes you eligible to enjoy the tax exemption benefits under Section 80D of the Income Tax Act of India on the premiums paid.

The following tests are covered.

Plan typeCovered tests
ClassicComplete Blood Count, Urine Routine, ESR, Fasting Blood Sugar, ECG, S Cholesterol, SGPT, Creatinine
SupremeComplete Blood Count, Urine Routine, ESR, Fasting Blood Sugar, Lipid Profile, Kidney Function Test, ECG, and Complete physical examination be Physician
EliteComplete Blood Count, Urine Routine, ESR, Fasting Blood Sugar, Lipid Profile, Stress Test (TMT) or 2D Echo, Kidney Function Test, Complete physical examination be Physician

No, you cannot extend your 1-year policy to a 2-year policy. However, you can cancel your 1-year policy and buy a fresh 2-year policy.

The pre-determined 11 critical illnesses are as follows:

  • Cancer of Specified Severity
  • First Heart Attack of Specified Severity
  • Open Chest CABG
  • Open Heart Replacement or Repair of Heart Valves
  • Coma of Specified Severity
  • Kidney Failure requiring Regular Dialysis
  • Stroke resulting in Permanent Symptoms
  • Major Organ/Bone Marrow Transplant
  • Permanent paralysis of Limbs
  • Motor Neurone Disease with Permanent Symptoms
  • Multiple Sclerosis with Persisting Symptoms

This facility helps you to obtain an opinion from a doctor using the company’s Health and Wellness program. You can also email your query on fever and you will get a response within 24 working hours.

Yes, it is covered only if the person is brain dead.

Yes, this plan pays for the medical expenses incurred due to any kind of natural calamity such as Amphan, Hudhud, etc.

If you are a patient with diabetes or hypertension, you can buy this Lifeline plan, which is subject to underwriting criteria. The underwriter will evaluate the medical history and accept the case either on standard rates or with loading/co-payment.

Yes, the expenses of prosthetic implants are compensated by the policy.

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