Lifeline Health Insurance

Unparalleled benefits. One lifeline to your health.

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Lifeline Common Health Insurance For Family

Key Benefits of Lifeline

Health Insurance Sum Insured - Icon
Reload your
sum insured at no extra cost
Lifeline Common Health Insurance Sum Insured - Icon
Enhance your sum
insured with every claim free year
Lifeline Health Insurance Hospital Room - Icon
Pick any hospital room
of your choice

Royal Sundaram ’s Lifeline Health Insurance Plans

Health insurance plans need to be robust, comprehensive, affordable and most importantly, they need to be able to unburden your financial stress in a medical emergency. They need to be your lifeline when you need it most. That's why at Royal Sundaram, we have healthcare plans for anyone and everyone looking to protect the health of their loved ones.

Royal Sundaram ’s Lifeline Health Insurance Plans

Lifeline Classic - Icon
Lifeline Classic
No room rent capping
No room rent capping
Covers from ₹2 lakhs to ₹4 lakhs
Covers from ₹2 lakhs to ₹4 lakhs
10% No Claim Bonus for every claim free year, up to 50% of SI
10% No Claim Bonus for every claim free year, up to 50% of SI
Covers Covid-19 treatment at home or at hospital
Covers Covid-19 treatment at home or at hospital
Lifeline Supreme - Icon
Lifeline Supreme
No room rent capping
No room rent capping
Covers from ₹5 lakhs to ₹1 Crore
Covers from ₹5 lakhs to ₹1 Crore
20% No Claim Bonus for every claim free year, up to 100% of SI
20% No Claim Bonus for every claim free year, up to 100% of SI
Second opinion for critical illnesses
Second opinion for critical illnesses
Emergency domestic evacuation
Emergency domestic evacuation
Additional benefits - Supreme Plus
Additional benefits - Supreme Plus
Lifeline Elite - Icon
Lifeline Elite
No room rent capping
No room rent capping
Covers from ₹25 lakhs to ₹1.5 Crores
Covers from ₹25 lakhs to ₹1.5 Crores
20% No Claim Bonus for every claim free year, up to 100% of SI
20% No Claim Bonus for every claim free year, up to 100% of SI
OPD treatment
OPD treatment
Maternity cover & new born baby cover
Maternity cover & new born baby cover
International treatment outside India
International treatment outside India
Worldwide emergency hospitalisation and evacuation
Worldwide emergency hospitalisation and evacuation
Additional benefits - Elite Plus
Additional benefits - Elite Plus

Compare our best Lifeline Health Insurance Plans

CompareClassicSupremeElite
Sum Insured (SI) in ₹2, 3, 4 lakhs5, 7.5, 10, 15, 20, 25, 50, 100 lakhs25, 30, 50, 100, 150 lakhs
Baseline Cover Benefits
Cover for day care proceduresCovered up to SICovered up to SICovered up to SI
Pre and post hospitalisation expenses30/60 days, Covered upto SI60/90 days, Covered upto SI60/180 days, Covered upto SI
All Day care proceduresCovered up to SICovered up to SICovered up to SI
Ambulance CoverUp to ₹3,000Up to ₹5,000Up to ₹10,000
Organ Donor ExpensesCovered upto SICovered upto SICovered upto SI
Other Benefits
Domiciliary hospitalisationCovered up to SICovered up to SICovered up to SI
No Claim Bonus10% of Base SI upto a max of 50% of SI20% of Base SI upto a max of 100% of SI20% of Base SI upto a max of 100% of SI
Re-load of Sum InsuredUpto Base SIUpto Base SIUpto Base SI
AYUSH TreatmentGovernment Hospitals - Covered upto SI; Other Hospitals - Covered upto ₹20,000Government Hospitals - Covered upto SI; Other Hospitals - Covered upto ₹30,000Government Hospitals - Covered upto SI; Other Hospitals - Covered upto ₹50,000
Vaccination in case of Animal BiteUpto ₹2,500Upto ₹5,000Upto ₹7,500
Emergency Domestic Evacuation (Bed to Bed on advise of treating doctor)Not CoveredCovered upto ₹1 lakhCovered upto ₹3 lakhs
Worldwide Emergency hospitalisation - Excluding US and CanadaNot CoveredNot Covered50% of Base SI upto max of ₹20 lakhs; Deductible of $1,000 per hospitalisation
International Treatment abroad for specified 11 critical illnesses - Excluding US and CanadaNot CoveredNot CoveredCovered upto SI with a 20% co-pay. Return Airfare covered upto ₹3 lakhs
Second Opinion for 11 specified Critical IllnessNot CoveredAvailable once during the policy yearAvailable once during the policy year
OPD TreatmentNot CoveredNot CoveredUpto ₹10,000
Health & Wellness Benefits
Health Check-upAvailable once every 3rd policy yearAnnualAnnual
Preventive Healthcare & Wellness & Disease ManagementAvailableAvailableAvailable
Maternity Benefits
Maternity cover for up to 2 deliveriesNot CoveredNot CoveredFor SI upto ₹50 lakhs - ₹2 lakhs For SI > ₹50 lakhs - ₹2.5 lakhs
New Born Baby CoverNot CoveredNot Covered25% of SI
Vaccinations for new born baby in the first yearNot CoveredNot CoveredCovered upto 10,000
Optional Benefits
Top-up plan on annual aggregate basisDeductible of ₹1, 2, 3, 4, 5 and 10 lakhsDeductible of ₹1, 2, 3, 4, 5 and 10 lakhsNot Available
Hospital Cash (for 30 days in case of hospitalisation beyond 2 days)₹1,000/day₹2,000/day₹5,000/day
Option to include US and Canada for Worldwide Emergency hospitalisation and International Treatment for 11 specified Critical IllnessNot AvailableNot AvailableAvailable
Optional Plus BenefitsClassicSupremeElite
App based cabs as a part of ambulance coverNot AvailableUp to ₹5,000Up to ₹10,000
RRefresh of Sum InsuredNot AvailableOnce in a lifetime, for the same illnessOnce in a lifetime, for the same illness.
In patient PED cover for life threatening conditionNot AvailableUp to ₹1,00,000Up to ₹2,00,000
Bariatric SurgeryNot AvailableUp to ₹50,000, with a 6-year waiting periodUp to ₹2,00,000, with a 4-year waiting period
Mobility Devices - Wheel chairs, Crutches, etc.Not AvailableUp to 5% of SI or ₹50,000 (whichever is less)Up to ₹50,000
2nd Opinion for additional 11 critical illness (total 22)Not AvailableAvailableAvailable
International treatment abroad for 3 additional critical illness (total 14)Not AvailableNot AvailableAvailable
In-Vitro Fertilization treatment (IVF)Not AvailableNot AvailableUp to ₹2,50,000 with a 4-year waiting period

Why should you buy Royal Sundaram's Lifeline Health Plans?

  • Cashless claims

    Enjoy cashless hospitalisation across our wide network of affiliated hospitals

  • Over 5000 plus affiliated hospitals

    Never stress out about finding a suitable hospital. Our wide range of affiliated hospitals facilitates medical treatment all over India.

  • Unparalleled benefits

    Enjoy benefits like top up on sum insured, value add medical facilities, EMI options and expert medical care.

  • Worry free claims

    Experience a stress free claims process that allows you to focus on what matters most - recovering your health.

What is covered under Royal Sundaram's Lifeline Health Plans?

Our lifeline health plans range from basic to comprehensive cover based on your health insurance needs. From cashless hospitalisation to coverage for pre-existing diseases, we can cover it all and more. Here's what is covered under the Royal Sundaram Lifeline Health Insurance Plans.
Baseline Cover Benefits
Baseline Cover Benefits
  • Inpatient hospitalisation expenses
  • No room rent capping and no disease specific sub limits
  • Pre and Post-hospitalisation expenses up to the amount of sum insured
  • Coverage of all day care procedures up to the sum insured amount
  • Ambulance cover
  • Expenses for Treatment of Organ Donor covered up to the sum insured
Other Benefits
Other Benefits
  • Domiciliary hospitalisation charges covered up to the sum insured.
  • No-claim bonus (NCB)
  • 100% Reload of sum insured during the treatment of different illnesses in the event of complete exhaustion of sum insured & NCB.
  • AYUSH Treatment
  • Covers Vaccination in case of animal bite
  • Emergency Domestic Evacuation
  • Worldwide emergency hospitalisation
  • International treatment for specified critical illnesses
Health & Wellness Benefits
Health & Wellness Benefits
  • Provision of complete health check-up
  • Preventive Healthcare and Wellness
  • 2nd opinion for critical illness
  • OPD cover
Maternity Cover
Maternity Cover
  • Maternity cover
  • New born baby cover
Optional Benefits
Optional Benefits
  • Hospital cash
  • Top up plans
  • Option to include USA and Canada for international treatment
Optional Plus benefits for Lifeline Supreme and Elite Plans
Optional Plus benefits for Lifeline Supreme and Elite Plans
  • Additional facility of app-based cabs as a part of Ambulance Cover - Ola / Uber
  • Refresh of Sum Insured - once in a life time, for the same illness
  • In-patient for Pre-existing Disease in case of Life-Threatening Condition
  • Bariatric Surgery
  • Mobility Devices - wheel chairs / crutches etc.
  • Second Opinion for additional 11 specified Critical Illnesses (Total 22 Critical Illnesses)
  • International Treatment abroad for 3 additional Critical illnesses (Total 14 specified critical illnesses)
  • In-Vitro Fertilisation (IVF) Treatment

What is not covered under Royal Sundaram's Lifeline Health Plans?

While we try our best to offer exhaustive and extensive coverage for all kinds of treatment, it is not possible to cover the cost of certain medical treatments. These include:
Pre Existing Diseases Not Covered Under Lifeline Common Health Insurance
Pre-existing diseases
Pre-existing diseases
Treatment of pre-existing diseases will not be covered if the insured person is still in their waiting period, which will vary plan wise.
Illness Contracted in 30 Days Not Covered Under Lifeline Common Health Insurance
Illnesses contracted in 30 days
Illnesses contracted in 30 days
Any illness contracted during the cool off period or within 30 days of purchasing insurance will not be covered.
Critical Illness Contracted During 90 Days Not Covered Under Lifeline Health Plans
Critical illness contracted during 90 days
Critical illness contracted during 90 days
Any critical or long term illnesses that are contracted within the first 90 days or three months of purchasing insurance will not be covered.
For more details on exclusions, refer to our Policy Terms and Conditions

How to Make a Claim for Royal Sundaram's Lifeline Health Insurance Plans

When you purchase a health plan, the speed and efficiency at which the insurance provider processes your insurance claim makes your health plan purchase truly worthwhile. You can make a request for cashless hospitalisation or opt for reimbursement. Let's understand both ways to make a claim.
Cashless Hospitalisation by Lifeline Health Insurance
Claim through Cashless hospitalisation
Step 1
The insured person files a claim within 24 hours of hospitalisation for emergency medical treatment and 48 hours before elective hospitalisation.
Cashless Hospitalisation by Lifeline Health Insurance
Step 2
In case of cashless hospitalisation, the hospital will let us know and we will process the claim.
Step 3
When you are discharged, we will directly settle the bill with the hospital.
Lifeline Health Insurance Claim Through Reimbursement
Claim through Reimbursement
Step 1
When an insured person opts for treatment at a non network hospital, they must let us know about the hospitalisation at least 48 hours in advance in case of elective treatment or within 24 hours of hospitalisation in case of emergency hospitalisation.
Lifeline Health Insurance Claim Through Reimbursement
Step 2
On discharge from the hospital, the insured person must send us all medical treatment invoices and reports.
Step 3
We will verify the claim and reimburse the insured person for their expenses.
For making a claim you can call us or write to us.
Contact no.
1860-258-0000, 1860-425-0000 (From Monday to Saturday 08:00 to 21:00 and Sunday 08:00 to 17:00.)
Email
Email: customer.services@royalsundaram.in
Documents to be provided while making a claim request.
  • Name of the patient (insured person)
  • Diagnosis
  • Hospital details - Name, Address, Contact no.
  • Treating doctor details - Name & Contact no.
  • Date of hospitalisation
  • Expected discharge
Documents for Lifeline Health Insurance Claim

Tax benefits of Royal Sundaram's Lifeline Health insurance plans

Tax deduction is available under Section 80D of the Income Tax Act when you purchase Royal Sundaram's Lifeline Health Insurance plans.
Insured personsAmount of tax rebate
Self / spouse / childrenUpto ₹25,000
Self / Spouse / Children / Parents (below 60)Upto ₹50,000
Self / Spouse / Children / Parents (above 60)Upto ₹75,000

Why buy Health Insurance online

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Quick
You can buy health insurance online in just a few minutes. With Royal Sundaram, you can get a quote for your health plan in just three steps. Click. Tick. Done.
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Convenient
You can easily compare different health plans online to find one that best suits your needs.

Customers Review Our Lifeline Insurance Plans

4.4/5 stars
StarStarStarStarStar
Quotes
We planned a surgery for my mother and I contacted the claims team at Royal Sundaram to let them know about the treatment. They made the entire claims process extremely smooth and directly dealt with the hospital. I didn’t have to worry at all.
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Neena Panja
Quotes
My wife and I were looking for a health plan that would take care of any expenses of our future children. We just had a daughter. Not only did the insurance plan cover the maternity expenses, our daughter is only 3 months old and is already covered under our health plan.
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Sarvesh Mehta