Lifeline Supreme Health Insurance Plan
Holistic Coverage, secure health
Key Benefits of Lifeline Supreme 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
Second opinion for
critical illnesses
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 -
You are looking for a comprehensive insurance plan with adequate sum insured
You are looking for a family insurance plan for your spouse and children
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
- 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
- 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
- Provision of complete health check-up available every policy year
- Preventive Healthcare and Wellness.
- 2nd opinion for critical illness
- Emergency Domestic Evacuation
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 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
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
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 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.
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
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.
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 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 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 Supreme 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.
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
Akash Patwardhan
07/02/2022
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.
Simranjit Wadhiya
03/02/2022
Lifeline Supreme 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.
