Lifeline Elite Health Insurance

Premium health cover, peace of mind.

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Lifeline Elite Health Insurance

Key Benefits of Lifeline Elite Health Insurance Plan

No Room Rent Capping for Lifeline Elite Health Policy - Icon
No Room rent
capping
Lifeline Elite Health Plan No Claim Bonus - Icon
20% No Claim Bonus
For every claim free
year, up to 100% of
Sum Insured
OPD Treatment by Lifeline Elite Health Insurance - Icon
OPD treatment
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 ...

High End Health Insurance Plan - Icon
You are looking for a high end insurance plan
Large Sum Insured Health Cover for Family - Icon
You are looking for a large sum insured cover
Critical Illness Cover - Icon
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
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
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
Health & Wellness Benefits
  • Preventive Healthcare and Wellness.
  • 2nd opinion for critical illness
  • OPD cover up to ₹10,000
Maternity Benefits
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 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 Not Covered Under Lifeline Elite Insurance - Icon
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.
Illness Contracted in 30 Days Not Covered Under Lifeline Elite Insurance - Icon
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 in 90 Days Not Covered Under Lifeline Elite Insurance - Icon
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 Elite Health Insurance?

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.
  • Add on coverage
    If you are opting for optional benefits like Hospital Cash or Plus benefits under your Lifeline Supreme Plan, then your premium will marginally go up for the same.

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.
Cashless Hospitalisation by Lifeline Elite 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 Elite 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 Elite 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 Elite 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 Elite Health Insurance Claim

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 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 Elite 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
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.
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Kishan Mirchandani
Quotes
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.
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Varun Hansraj