Royal Sundaram Insurance

Royal Sundaram Lifeline Insurance Plan

Royal Sundaram Lifeline insurance quotes

Coverage type
Coverage City
Coverage amount
Date of birth
  OR age    years
* Name, Email Id & Mobile No. are optional 
Lifeline is a holistic and comprehensive indemnity plan from Royal Sundaram that covers the health insurance needs of the insured and their family. There are many benefits which have been enhanced from the products available in the market and this has made the product very comprehensive.

Key features of Royal Sundaram Lifeline health insurance

  • Room Rent: Payable at actuals upto Sum Insured.
  • Co - pay: NIL co-pay for all treatment / 20% for Treatment abroad.
  • Restoration Benefit: Sum Insured Reload available upto 100% Base SI.

Royal Sundaram Health Insurance Review

Royal Sundaram Health Insurance
Royal Sundaram Insurance sum insured
2 lacs − 150 lacs options available
Incurred Claims Ratio *
Royal Sundaram Insurance tenure options
1 to 3 years
Claims Settlement Ratio **
List of network hospitals
5,000+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + 4 dependent children
Number of lives covered *
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Overview of Royal Sundaram Lifeline Insurance

  • Eligibility
  • Key Features
  • Coverages
  • Exclusions

Eligibility of Royal Sundaram Lifeline Health Insurance

Minimum Entry Age 91 days for dependent children and 18 years for adults/proposers
Maximum Entry Age 25 years for dependent children and no restriction on maximum entry age for adults
Policy Type Individual or Floater Plans
Family Coverage
  • Self, Spouse and 4 dependent children
  • Separate plan can be taken for parents and other dependents
Policy Tenure For the purpose of calculating premium, the country has been split into two zones:
  • Zone 1 – Delhi/NCR, Mumbai (including Vashi & Thane), Bangalore, Chennai, Pune, Kolkata, Hyderabad and Gujarat
  • Zone 2 – Rest of India – premium @ 15% lower than Zone 1
Renewal Conditions Lifetime Renewability
Grace Period 30 days from date of expiry to renew the policy
Free Look Period 15 days

Key features of Royal Sundaram Lifeline Insurance plan

  • Wide range of Sum Insured – from ₹2lacs to ₹1.5cr
  • No upper age limit for enrolment in policy
  • Provides coverage for International Treatment for 11 specified illnesses upto Sum Insured along with return airfare upto Rs.3lacs
  • No worries in case of any Emergency Hospitalization while you are abroad during business/leisure trip
  • Access best class healthcare facilities with no capping in terms of Room Rent, disease specific sublimits, etc
  • Reload of Sum Insured – In case customer has utilized the entire sum insured, then sum insured will be automatically reloaded at no extra cost which can be used for different illness
  • Maternity Benefit including cover for New Born Baby and vaccination for new born baby
  • OPD Treatment covering the expenses incurred on doctor’s consultation, medicines, diagnostic tests, etc
  • Accelerated No Claim Bonus which helps in doubling your Sum Insured in 5 claim free year period (Supreme & Elite). In Classic, your sum insured will increase by 50%
  • Coverage not limited only to Allopathic treatment. You can also take treatment under Ayurveda, Homeopathy in case of hospitalization
  • Health check-up for insured members – irrespective of claims history
  • Health & Wellness benefits to proactively manage your health. Avail exciting offers across various services at our preferred network along with communication on latest health topics
  • Covers all day care procedures so that customer need not to worry if something is covered or not
  • Domestic Evacuation in case of emergency
  • Second Opinion for 11 specified Critical Illness
  • Cashless hospitalization across 3500+ network hospitals across India
  • Easy documentation and hassle free claim settlement
  • One sum insured covering all family members
  • Zonal Pricing depending upon the location of your stay. Pay less if you do not stay in Metro Cities and Gujarat State
  • Hospital Cash Benefit to take care of miscellaneous expenses incurred during hospitalization
  • Top-up Plan to enhance your coverage. Choose the deductible on annual aggregate basis rather than per claim basis

Coverage of Royal Sundaram Lifeline Health Insurance

Classic Supreme Elite
Sum Insured(SI) in ₹ INR 2,00,000 / 3,00,000 / 4,00,000 5,00,000 / 10,00,000 / 15,00,000 / 20,00,000/ 50,00,000 25,00,000 / 30,00,000 / 50,00,000 / 1,00,00,000 / 1,50,00,000
Baseline Cover Benefits
Inpatient Care Covered up to SI Covered up to SI Covered up to SI
Pre and post hospitalization expenses 30/60 days, Covered upto SI 60/90 days, Covered upto SI 60/180 days, Covered upto SI
All Day care procedures Covered up to SI Covered up to SI Covered up to SI
Ambulance Cover Up to Rs.3,000 Up to Rs.5,000 Up to Rs.10,000
Organ Donor Expenses Covered up to SI Covered up to SI Covered up to SI
Other Benefits
Domiciliary Hospitalization Covered upto SI Covered upto SI Covered upto SI
No Claim Bonus 10% of Base SI upto a max of 50% of SI 20% of Base SI upto a max of 100% of SI 20% of Base SI upto a max of 100% of SI
Re-load of Sum Insured Covered upto SI Covered upto SI Covered upto SI
Ayush Treatment Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.20,000 Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.30,000 Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.50,000
Vaccination in case of Animal Bite Upto Rs.2,500 Upto Rs.5,000 Upto Rs.7,500
Emergency Domestic Evacuation (Bed to Bed on advise of treating doctor) Not Covered Covered upto Rs.1lac Covered upto Rs.3lacs
Worldwide Emergency Hospitalization-Excluding US and Canada Not Covered Not Covered 50% of Base SI upto max of Rs.20lacs; Deductible of $1,000 per hospitalization
International Treatment abroad for specified 11 critical illnesses Excluding US and Canada Not Covered Not Covered Covered upto SI Return Airfare covered upto Rs.3 lac
Health & Wellness Benefits
Health Check-up Available once every 3rd policy year Annual Annual
Preventive Healthcare & Wellness Available Available Available
Second Opinion for 11 specified Critical Illness Not Covered Available once during the policy year Available once during the policy year
OPD Treatment Not Covered Not Covered Upto Rs.10,000
Maternity Benefits
Maternity cover for up to 2 deliveries Not Covered Not Covered For SI upto Rs.50lacs - Rs.2lacs For SI > Rs.50lacs - Rs.2.5lacs
New Born Baby Cover Not Covered Not Covered 25% of SI
Vaccinations for new born baby in the first year Not Covered Not Covered Covered upto 10,000
Waiting Period
Initial Waiting Period 30 days
Initial Waiting Period - Critical Illness 90 days
Waiting Period - Maternity 36 months
Waiting Period - For Pre existing Diseases 48 months 36 months 24 months
Optional Benefits
Top-up plan on annual aggregate basis Deductible of Rs.1, 2, 3, 4, 5 and 10 lacs Deductible of Rs.1, 2, 3, 4, 5 and 10 lacs Not Available
Hospital Cash (for 30 days in case of hospitalization beyond 2 days) Rs.1,000/day Rs.2,000/day Rs.5,000/day
Option to include US and Canada for Worldwide Emergency Hospitalization and International Treatment for 11 specified Critical Illness Not Available Not Available Available

Exclusions under Royal Sundaram Lifeline Insurance plan

Some of the exclusions under the plan are below, please go through the policy terms and conditions for the entire list of exclusions.
  • Addictive conditions and disorders
  • Adventure or Hazardous Sports
  • Ageing and puberty
  • Alternative treatment
  • Ancillary Hospital Charges
  • Artificial life maintenance
  • Charges for medical papers
  • Circumcision
  • Conflict and disaster
  • Congenital conditions
  • Convalescence and Rehabilitation
  • Cosmetic surgery
  • Dental/oral treatment
  • Drugs and dressings for OPD Treatment or take-home use


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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022