Lifeline Elite Health Insurance
Premium health cover, peace of mind.
Key Benefits of Lifeline Elite Health Insurance Plan
No Room rent
capping
capping
20% No Claim Bonus
For every claim free
year, up to 100% of
Sum Insured
For every claim free
year, up to 100% of
Sum Insured
OPD treatment
covered
covered
Lifeline Elite Health Insurance Plan
For our premium policyholders looking for nothing but the best of health coverage for their loved ones and themselves, Royal Sundaram offers the Lifeline Elite Plan with coverage starting at ₹25 lakhs and going as high as ₹1.5 crore.
Why should you buy Lifeline Elite Health Insurance Plan by Royal Sundaram?
- Premium coverage
Enjoy holistic cover on your medical expenses with a sum insured upto ₹1.5 crore and a plethora of additional benefits including medical treatment abroad.
- Best in class benefits
Avail of annual health check-up, maternity benefits, new-born baby cover, vaccination cover, preventive healthcare and disease management, second opinion for 11 critical illnesses and several other benefits.
- Cashless claims
Enjoy cashless hospitalisation across our wide network of affiliated hospitals
- Holistic cover
Enjoy holistic medical coverage for all kinds of medical expenses.
- 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 value add medical facilities, EMI options and expert medical care.
Who should buy Royal Sundaram's
Lifeline Elite Health Insurance Plan?
You should consider Royal Sundaram's Lifeline Elite Health Insurance Plan ...
You are looking for a high end insurance plan
You are looking for a large sum insured cover
You are looking to cover possible critical illnesses
You are looking to cover the cost of medical treatment abroad
What is covered under Royal Sundaram's Lifeline Elite Health Insurance Plan?
Royal Sundaram's Lifeline Elite Health Insurance Plan offers coverage upto ₹1.5 crore 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 60 days and 180 days respectively
- Coverage of all day care procedures up to the sum insured amount.
- Ambulance cover up to ₹10,000
- 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 20% of the sum insured and extends up to 100%. 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 ₹50,000 in other hospitals.
- Covers Vaccination in case of animal bite up to ₹7,500
- Emergency Domestic Evacuation up to ₹3 lakhs
- Worldwide emergency hospitalisation covers up to ₹20 lakhs
Health & Wellness Benefits
- Preventive Healthcare and Wellness.
- 2nd opinion for critical illness
- OPD cover up to ₹10,000
Maternity Benefits
- Maternity cover for two deliveries up to ₹2.5 lakhs
- New born baby covers up to 25% of sum insured
Optional Benefits
Optional Plus benefits for Lifeline Elite
- Hospital cash upto ₹5,000 per day
- Option to include USA and Canada for international treatment
Optional Plus benefits for Lifeline Elite
- 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 - up to Rs 2,00,000/-
- Bariatric Surgery - Up to Rs 2,00,000/- with a 4-year waiting period
- Mobility Devices - wheel chairs / crutches etc. - up to Rs 50,000/-
- 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 - Up to Rs 2,50,000/- with a 4-year waiting period
What is not covered under Royal Sundaram's Lifeline Elite Health Insurance Plan?
Pre-existing diseases in the first 24 months
Pre-existing diseases in the first 24 months
Treatment of pre-existing diseases will not be covered if the insured person is still in their waiting period of 24 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 Elite Health Insurance Plan?
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.
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.
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.
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 Elite Health Insurance Plan
Tax deduction is available under Section 80D of the Income Tax Act when you purchase Royal Sundaram's Lifeline Elite 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 Elite 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.
I was scheduled for a surgery in the USA and contacted my health insurance advisor at Royal Sundaram. Not only did he help me through the claims process, he let me know about additional coverage that helped pay for my airfare while travelling for medical treatment.
Kishan Mirchandani
09/02/2022
My father had to undergo emergency surgery due to an aneurysm and one claim request is all it took to reach the good folks at Royal Sundaram. Not only was my father given the best medical care, they even took care of expenses for a private nurse post hospitalisation.
Varun Hansraj
05/02/2022
Lifeline Elite 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.
