Lifeline Classic Health Insurance Plan

Unburden those hospital bills. Live worry free.

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Lifeline Classic Health Insurance

Key Benefits of Lifeline Classic Health Insurance Plan

No Room Rent Capping for Lifeline Classic Health Policy - Icon
No Room rent
capping
Lifeline Classic Health Insurance Covers 2 Lakhs to 4 Lakhs - Icon
Covers from
₹2 lakhs to ₹4 lakhs
Lifeline Classic Health Plan No Claim Bonus - Icon
10% No Claim Bonus for every
claim free year, up to 50% of
Sum Insured
Lifeline Classic Health Insurance for Individual

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?

Basic Health Cover - Icon
Medical inflation
You are looking for basic health cover with comprehensive coverage
Health Cover with Tax Benefits - Icon
Lifestyle diseases
You are looking to cover your health as an individual
Income Tax Benefits from Health Insurance - Icon
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
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
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
Health & Wellness Benefits
  • Provision of complete health check-up available once every 3rd policy year.
  • Preventive Healthcare and Wellness.
Optional Benefits
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 Not Covered Under Lifeline Classic Health Insurance
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.
Illness Contracted in 30 Days Not Covered Under Lifeline Classic Health Insurance
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 90 Days Not Covered Under Lifeline Classic Insurance
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 is the premium calculated for Royal Sundaram's Lifeline Classic Health Insurance Plan?

The premium on your health insurance policy is determined by
  • Insurance plan
    Your insurance plan will determine your premium and your coverage. A larger sum insured will have a higher premium and vice versa. Additionally, the number of people insured by the policy will also determine the premium amount.
  • Pre-existing medical conditions
    Any pre-existing medical conditions are likely to increase your premium amount. Additionally, there will be a waiting period before you can claim insurance for treating pre-existing medical conditions.
  • Lifestyle
    Your current lifestyle can greatly affect your health insurance premium as the risk of health related concerns increases or decreases due to your lifestyle choices. For instance, smokers stand a greater risk of health concerns in the future and that's why their premium is likely to be higher.
  • Age
    Your age is a huge factor in determining your health insurance premium. The younger you are, the lower your premium. It is recommended to purchase a health insurance policy at a young age because the immune system of a younger person is usually much stronger. This lowers the probability of medical treatment. This means you can double your health cover using no claim bonuses. As a person’s age advances, the health risks increase making the premium much higher.
  • Location
    Your location can also help determine the cost of your premium. If you are residing in places other than Delhi/NCR, Mumbai (including Thane and Vashi), Bengaluru, Chennai, Pune, Hyderabad, Kolkata and Gujarat, we offer a 15% discount on your premium.

How to Make a Claim for Royal Sundaram's Lifeline Classic Health Insurance Plan?

Cashless Hospitalisation by Lifeline Classic 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 Classic 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 Classic Health Insurance 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 Classic 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 Classic Health Insurance Claim

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 personsDeduction amount
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 Royal Sundaram's Lifeline Classic 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.

4.4/5 stars
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Quotes
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.
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Vikram Narula
Quotes
I had to undergo an emergency stent insertion after I collapsed at home. Everything was completely cashless.
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Abhijit Patil