Lifeline Classic Health Insurance Plan
Unburden those hospital bills. Live worry free.
Key Benefits of Lifeline Classic Health Insurance Plan
No Room rent
capping
capping
Covers from
₹2 lakhs to ₹4 lakhs
₹2 lakhs to ₹4 lakhs
10% No Claim Bonus for every
claim free year, up to 50% of
Sum Insured
claim free year, up to 50% of
Sum Insured
Lifeline Classic Health Insurance Plan
The burden of hospital bills can be quite heavy, especially without a comprehensive health insurance plan to offer financial assistance. Thankfully the Lifeline Classic Health Plan by Royal Sundaram offers both comprehensive coverage and affordable premium rates so that you can protect the health of your loved ones and yourself without worry.
Why should you buy Lifeline Classic Health Insurance Plan by Royal Sundaram?
- Affordable premiums
Enjoy our health plans at premiums that won't dig into your savings.
- Comprehensive coverage
Basic health cover with sum insured up to ₹4 lakhs.
- Add on benefits
Benefits like hospital cash and option to top up sum insured up to ₹4 lakhs.
- 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.
Who needs to buy Royal Sundaram ’s
Lifeline Classic Health Insurance Plan?
Medical inflation
You are looking for basic health cover with comprehensive coverage
Lifestyle diseases
You are looking to cover your health as an individual
Income tax benefits
You are looking for health cover with tax benefits
What is covered under Royal Sundaram’s Lifeline Classic Health Insurance Plan?
Royal Sundaram's Lifeline Classic Health Insurance offers coverage upto ₹4 lakhs for medical expenses including -
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 for 30 days and 60 days respectively.
- Coverage of all day care procedures up to the sum insured amount.
- Ambulance cover up to ₹3,000.
- Expenses for Treatment of Organ Donor covered up to the sum insured.
Other Benefits
- Domiciliary hospitalisation charges covered up to the sum insured.
- 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.
- 100% Reload of sum insured during the treatment of different illnesses in the event of complete exhaustion of sum insured and NCB.
- AYUSH Treatment - Inpatient hospitalisation cover up to Sum Insured in Government Hospitals and up to ₹20,000 in other hospitals.
- Covers Vaccination in case of animal bite up to ₹2,500.
Health & Wellness Benefits
- Provision of complete health check-up available once every 3rd policy year.
- Preventive Healthcare and Wellness.
Optional Benefits
Apart from the above mentioned coverage, the Lifeline Classic Health Plan offers the following optional benefits -
- Hospital cash upto ₹1,000 per day.
- Pre and Post-hospitalisation expenses amortized up to the amount of sum insured for 30 days and 60 days respectively.
- Top up plans upto ₹4 lakhs.
What is not covered under Royal Sundaram’s Lifeline Classic Health Insurance Plan ?
Pre-existing diseases in the first 48 months
Pre-existing diseases in the first 48 months
Treatment of pre-existing diseases will not be covered if the insured person is still in their waiting period of 48 months.
Illnesses contracted in the first 30 days
Illnesses contracted in the first 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 the first 90 days
Critical illness contracted during the first 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.
There is a specific waiting period of 24 months for specified illness.
For more details on exclusions, refer to our product brochure
How to Make a Claim for Royal Sundaram's Lifeline Classic Health Insurance Plan?
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.
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.
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.
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: 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
Tax benefits of Royal Sundaram's Lifeline Classic Health Insurance Plan
Tax deduction is available under Section 80D of the Income Tax Act when you purchase Royal Sundaram's Lifeline Classic Health Insurance.
| Insured persons | Deduction amount |
|---|---|
| Self / spouse / children | Upto ₹25,000 |
| Self / Spouse / Children / Parents (below 60) | Upto ₹50,000 |
| Self / Spouse / Children / Parents (above 60) | Upto ₹75,000 |
Why buy Royal Sundaram's Lifeline Classic Health Insurance online?
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.
Convenient
You can easily compare different health plans online to find one that best suits your needs.
My brother was in a bike accident earlier this year and I cannot thank the team at Royal Sundaram enough for taking care of the insurance claim process so efficiently. From the emergency services to my brother's hospitalisation and post treatment care - everything was covered under our family floater insurance.
Vikram Narula
08/02/2022
I had to undergo an emergency stent insertion after I collapsed at home. Everything was completely cashless.
Abhijit Patil
02/02/2022
Lifeline Classic Health Insurance Policy terms and conditions:
We request you to carefully read and understand the Terms and Conditions, before you buy the Policy. All claims are processed strictly according to it. Please speak or chat with our Customer Support Team, if you need any clarification.
