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Individual Health Insurance Plans
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.
|Minimum entry age|
Adult – 18 years
Dependent child – 91 days
|Maximum entry age|
Adult – No upper limit
Dependent child – 25 years
|Plan type||Individual 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 variants||Lifeline Classic, Lifeline Elite/Elite Plus, Lifeline Supreme/Supreme Plus|
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 enhancement||Only at the time of renewal|
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.
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 tenure||1, 2, and 3 years|
In general – 30 days
For installment premium option – 15 days
|Free look period||15 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 benefits||Classic||Supreme||Elite|
|In-patient care, pre, and post-hospitalization expenses, all day care procedures, organ donor expenses, and domiciliary hospitalization||Up to sum insured|
|Pre-hospitalization||30 days||60 days||60 days|
|Post-hospitalization||60 days||90 days||180 days|
|Emergency ambulance cover||Up to Rs. 3000||Up to Rs. 5000||Up to Rs. 10,000|
|No Claim Bonus (NCB)||10% of Base Sum Insured up to a maximum of 50% of the Sum Insured||20% of Base Sum Insured up to a maximum of 100% of the Sum Insured||20% 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 Bite||Up to Rs. 2500||Up to Rs. 5000||Up to Rs. 7500|
|Health check-up||Available once every 3rd policy year||Annual||Annual|
|Preventive Healthcare & Wellness||Yes, available|
|OPD Treatment||Not covered||Not covered||Up to Rs. 10,000|
|Maternity cover for up to 2 deliveries||Not covered||Not 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 Cover||Not covered||Not covered||25% of the sum insured|
|Vaccinations for new born babies in the first year||Not covered||Not covered||Covered up to Rs. 10,000|
|Top-up plan on an annual aggregate basis||Deductible of Rs. 1, 2, 3, 4, 5, and 10 lakhs||Deductible of Rs. 1, 2, 3, 4, 5, and 10 lakhs||Not available|
|Hospital Cash (for 30 days in case of hospitalization beyond 2 days)||Rs. 1000 per day||Rs. 2000 per day||Rs. 5000 per day|
|Option to include the US and Canada for Worldwide Emergency Hospitalization and International Treatment for 11 specified Critical Illness||Not available||Not available||Available|
|Classic||Supreme Plus||Elite Plus|
|App based cabs as a part of ambulance cover||Not available||Up to Rs. 5000||Up to Rs. 10,000|
|In patients PED cover for life threatening conditions.||Up to Rs. 1 lakh||Up to Rs. 2 lakhs|
|Bariatric surgery||Up 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)||Available||Available|
|International treatment abroad for 3 additional critical illnesses (total 14)||Not available||Available|
|In-Vitro Fertilization treatment (IVF)||Not available||Up 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
- 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 variant||Coverage type||Sum insured||Choice of TPA||Hospital cash coverage||1-year premium amount||2-year premium amount||3-year premium amount|
|Supreme||Individual||Rs. 15 lakhs||Paramount Health Services (TPA) Pvt. Ltd.||Yes||Rs. 12,474||Rs. 23,682||Rs. 34,708|
|Rs. 20 lakhs||Rs. 13,167||Rs. 24,999||Rs. 36,637|
|Rs. 50 lakhs||Rs. 18,956||Rs. 35,464||Rs. 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 type||Covered tests|
|Classic||Complete Blood Count, Urine Routine, ESR, Fasting Blood Sugar, ECG, S Cholesterol, SGPT, Creatinine|
|Supreme||Complete Blood Count, Urine Routine, ESR, Fasting Blood Sugar, Lipid Profile, Kidney Function Test, ECG, and Complete physical examination be Physician|
|Elite||Complete 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.