Lifeline Supreme Health Insurance Plan

Holistic Coverage, secure health

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Lifeline Supreme

Key Benefits of Lifeline Supreme Health Insurance Plan

No Room Rent Capping for Lifeline Supreme Health Policy - Icon
No Room rent
capping
Lifeline Supreme Health Plan No Claim Bonus - Icon
20% No Claim Bonus
For every claim free
year, up to 100% of
Sum Insured
Lifeline Supreme Health Insurance for Critical Illness - Icon
Second opinion for
critical illnesses

Lifeline Supreme Health Insurance Plan

Does your health insurance policy offer you absolute peace of mind? Does it cover just enough or actually offers comprehensive coverage? Some people might be satisfied with a basic health cover. But there are others like you who will constantly worry about finding a health plan that actually covers just about everything. That's why the Lifeline Supreme Health Insurance Plans by Royal Sundaram offer coverage starting at an affordable sum insured of ₹5 lakhs and going as high as ₹1 crore.

Why buy Lifeline Supreme Health Insurance Plan by Royal Sundaram?

  • Holistic coverage

    Enjoy holistic cover on your medical expenses with a sum insured upto ₹1 crore

  • Wide range of benefits

    Avail annual health check-up, 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

  • 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 should buy Royal Sundaram's
Lifeline Supreme Health Insurance Plan?

You need Royal Sundaram ’s Lifeline Supreme Health Insurance if -
Comprehensive Lifeline Supreme Health Insurance
You are looking for a comprehensive insurance plan with adequate sum insured
Lifeline Supreme Health Insurance for Family
You are looking for a family insurance plan for your spouse and children
Health Insurance for Pre-Existing Diseases
You are looking to cover life threatening pre-existing diseases after a 3-year waiting period

What is covered under Royal Sundaram's Lifeline Supreme Health Insurance Plan?

Royal Sundaram's Lifeline Supreme Health Insurance Plan offers coverage upto ₹1 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 90 days respectively
  • Coverage of all day care procedures up to the sum insured amount.
  • Ambulance cover up to ₹5,000
  • 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 ₹30,000 in other hospitals.
  • Covers Vaccination in case of animal bite up to ₹5,000.
Health & Wellness Benefits
Health & Wellness Benefits
  • Provision of complete health check-up available every policy year
  • Preventive Healthcare and Wellness.
  • 2nd opinion for critical illness
  • Emergency Domestic Evacuation
Optional Benefits
Optional Benefits
Apart from the above mentioned coverage, the Lifeline Supreme HealthPlan offers the following optional benefits
  • Hospital cash upto ₹2,000 per day
  • Top up plans upto ₹100 lakhs
Optional Plus benefits for Lifeline Supreme
  • 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 1,00,000/-
  • Bariatric Surgery - Up to Rs 50,000/- with a 6-year waiting period
  • Mobility Devices - wheel chairs / crutches etc. - up to 5% of SI or Rs 50,000/- (whichever is less)
  • Second Opinion for additional 11 specified Critical Illnesses (Total 22 Critical Illnesses)

What is not covered under Royal Sundaram's Lifeline Supreme Health Insurance Plan?

Pre-Existing Diseases Not Covered Under Lifeline Supreme Insurance - Icon
Pre-existing diseases in the first 36 months
Pre-existing diseases in the first 36 months
Treatment of pre-existing diseases will not be covered if the insured person is still in their waiting period of 36 months
Illness Contracted in 30 Days Not Covered Under Lifeline Supreme 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 Supreme 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
Apart from the above mentioned treatments, Royal Sundaram permanently excludes covering the cost of certain medical treatments.
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 Supreme 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.
  • 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 Supreme Health Insurance Plan

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

Tax benefits of Royal Sundaram's Lifeline Supreme Health Insurance Plan

Tax deduction is available under Section 80D of the Income Tax Act when you purchase Royal Sundaram's Lifeline Supreme 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 Supreme 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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4.4/5 stars
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Quotes
It's my fifth year with Royal Sundaram insurance and I haven't made a single claim yet. My sum insured keeps increasing each year as a part of their no claim benefits. I am so happy that my family and I are well prepared for any health emergency
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Akash Patwardhan
Quotes
Easiest health insurance claim process. Complete cashless hospitalisation. Thanks Royal Sundaram team for ensuring my mother's medical treatment was smooth from start to finish.
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Simranjit Wadhiya