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Lifelong protection in just 4 steps!
Get comprehensive cover with affordable premium
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Lifelong protection in just 4 steps!
Get comprehensive cover with affordable premium
By Clicking on Get Started, You agree to our Terms and Conditions
Continue where you left ?
View all quotesCovered Members :
Self
Spouse
Son
Daughter
Add ons: Hospital cash benefits, +3 more
cover amount ₹ 15 Lakhs
95%
Claims settled
10,000+
Hospital network
2 Crores+
Customers served
What is lifeline insurance policy?
Royal Sundaram’s Lifeline Health Insurance is a versatile and comprehensive healthcare solution offering multiple plan options to cater to individual and family needs. With coverage for in-patient and day-care treatments, pre- and post-hospitalization expenses, and the option to include maternity and critical illness coverage, it provides robust financial protection. The policy also encourages a healthy lifestyle through wellness programs and offers the opportunity to accumulate a no-claim bonus for added benefits. With lifetime renewability and tax benefits, this insurance plan ensures peace of mind and access to quality healthcare, making it an ideal choice for safeguarding your well-being.
Key features of lifeline insurance
Multiple plan options
Lifeline offers various plan options, such as Classic, Supreme, and Elite, allowing policyholders to choose coverage levels and benefits according to their requirements.
Pre and Post-Hospitalization expenses
Offers coverage for medical expenses incurred before and after hospitalization for a specified period.
No-claim bonus
Policyholders can accumulate a bonus for claim-free years, which can lead to increased coverage at no extra cost.
In-patient hospitalization
Covers medical expenses for hospitalization, including room rent, doctor's fees, and medical tests.
Day care procedures
Covers medical treatments that do not require 24-hour hospitalization, such as dialysis and chemotherapy.
Preventive Healthcare & Wellness
Provides access to wellness programs and health check-ups to promote a healthy lifestyle.
3 simple steps to get a lifeline insurance policy
Step 1
Select the Sum Insured amount
Choose the Individuals that require policy and an appropriate sum insured amount
Step 2
Select the policy tenure and add-ons
Select your preferred policy period , Add-on and customize your policy
Step 3
Make payment and sit back
Pay online and get your policy right away in your inbox.
Who can benefit from lifeline Insurance plan by Royal Sundaram ?
Explore our lifeline health insurance plans
Trustworthy insurance partner for over two decades
Lifeline Classic plan
Comprehensive & affordable plan with sum insured starting from 2 lakhs
Basic cover
Key Feature
- No room rent capping
- Covers day care treatment
- 10% No Claim Bonus for every claim free year, up to 50% of SI
- Covers Covid-19 treatment at home or at hospital
Premium starts at ₹ 367/mo
Sum Insured amount ₹2L - ₹4L
Lifeline Supreme plan
Comprehensive plan with extensive medical benefits
Most popular
Key Feature
- No room rent capping
- Second opinion for critical illnesses
- 20% No Claim Bonus for every claim free year, up to 100% of SI
- Emergency domestic evacuation
Premium starts at ₹ 477/mo
Sum Insured amount ₹5L - ₹1Cr
Lifeline Elite plan
International extensive plan with more medical benefits
Full protection
Key Feature
- No room rent capping
- Maternity cover & new born baby cover
- 20% No Claim Bonus for every claim free year, up to 100% of SI
- International treatment outside India
Premium starts at ₹ 2,844/mo
Sum Insured amount ₹25L - ₹1.5Cr
Lifeline insurance plan detailed feature description
Are you still unsure, would you like to compare the plans ?
Trustworthy insurance partner for over two decades
Plan comparison | Lifeline - ClassicCover amount ₹2L - ₹4 L Starts at ₹367/mo Check premium | Lifeline - SupremeCover amount ₹5L - ₹1Cr Starts at ₹477/mo Check premium | Lifeline - EliteCover amount ₹25L - ₹1.5Cr Starts at ₹2,844/mo Check premium |
|---|
Sum insured is the maximum amount an insurance policy will pay for a covered loss. | 2/3/4 Lacs | 5/7.5/10/15/20/25/50/100 lacs | 25/30/50/100/150 Lacs |
Regular screenings to detect issues early, promoting overall well-being | Once in 2 years | Annual | Annual |
Limit on daily expenses for hospital room in health insurance. | No Room Rent Capping | No Room Rent Capping | No Room Rent Capping |
insurance provision for ambulance services during emergencies. | Up to Rs.3,000 | Up to Rs.5,000 | Up to Rs.10,000 |
Coverage in health insurance for expenses related to organ transplantation, including medical procedures and donor costs. | Covered upto SI | Covered upto SI | Covered upto SI |
Medical treatment received while admitted to a hospital | Covered up to SI | Covered up to SI | Covered up to SI |
Caps on coverage for certain illnesses or conditions in health insurance. | No Disease specific Sublimits | No Disease specific Sublimits | No Disease specific Sublimits |
Medical treatments or surgeries that require less than 24 hours of hospitalization | Covered up to SI | Covered up to SI | Covered up to SI |
Health insurance coverage for alternative and traditional forms of medicine, such as Ayurveda, | Covered up to Sum Insured | Covered up to Sum Insured | Covered up to Sum Insured |
Health insurance coverage for necessary vaccinations and medical treatment following an animal bite to prevent infections and complications. | Upto Rs.2,500 | Upto Rs.5,000 | Upto Rs.7,500 |
Health insurance provision for transporting a patient from one medical facility to another as recommended by their doctor, | Not Covered | Covered upto Rs.1lakh | Covered upto Rs.3 lakh |
Health insurance coverage for emergency hospitalization and medical treatment while traveling abroad, excluding the United States and Canada | Not Covered | Not Covered | 50% of Base SI, upto Max 20 Lakhs. |
Health insurance coverage that allows for medical treatment outside of your home country for 11 specified critical illnesses | Not Covered | Not Covered | Covered upto SI, Airfare upto Rs.3 Lakhs |
Health insurance provision for covering outpatient dental expenses | Not Available | Not Available | Covered |
Coverage in health insurance that includes medical expenses incurred both before and after a hospital stay. | 30/60 days, Covered upto SI | 60/90 days, Covered upto SI | 60/180 days, Covered upto SI |
The age at which an individual is eligible to purchase or enroll in an insurance policy, | 91days to No Limit | 91days to No Limit | 91days to No Limit |
A reward or discount offered by insurance providers to policyholders who do not file any claims during a specified policy period. | 10% of Base SI upto a max of 50% of SI. NCB Does Not decrease in case of claim | 20% of Base SI upto a max of 100% of SI. NCB Does Not decrease in case of claim | 20% of Base SI upto a max of 100% of SI. NCB Does Not decrease in case of claim |
RA feature that allows for the replenishment or restoration of the sum insured amount after it has been fully exhausted during the policy year. | Upto Base SI. | Upto Base SI. | Upto Base SI. |
Not Covered | Not Covered | Not Covered | |
Health insurance programs and benefits designed to promote and maintain overall health and well-being | Available | Available | Available |
An insurance feature that provides policyholders with the option to seek a second medical opinion from a qualified specialist when diagnosed with one of the specified critical illnesses covered by the policy. | Not Covered | Available once during the policy period | Available once during the policy period |
Provides coverage for the medical expenses related to childbirth for a maximum of two pregnancies. | Not Covered | Not Covered | Covered, as per limits in the plan |
A component of health insurance that provides coverage for medical expenses incurred by a newborn baby during the first 90 days of life. | Not Covered | Not Covered | Covered, as per limits in the plan |
Vaccination for newborns in the first year is crucial for disease prevention. | Not Covered | Not Covered | Covered upto Rs.10000 |
A health insurance feature that reinstates the original coverage amount once it's fully utilized in a policy year, | Not Available | Once in a lifetime, for the same illness. | Once in a lifetime, for the same illness. |
Health insurance provision offering coverage for hospitalization and medical treatment facing life-threatening medical conditions. | Not Available | Up to Rs 1,00,000 | Up to Rs 2,00,000 |
A medical procedure performed to assist with weight loss in individuals with severe obesity. | Not Available | Up to Rs 50,000, with a 6 year waiting period. | Up to Rs.2 Lakhs with a 6 year waiting period. |
Not Available | Up to 5% of SI or Rs 50,000 (whichever is lower) | Upto Rs 50,000 | |
Not Available | Available | Available | |
Health insurance coverage that extends international medical treatment options for three more specified critical illnesses, | Not Available | Not Available | Available |
Not Available | Not Available | Covered upto Rs.2.5 Lakhs | |
Not Available | No Zone based Co-pay | No Zone based Co-pay | |
A specific period after the start date of an insurance policy during which certain benefits, such as coverage for pre-existing conditions or specific treatments, may not be available. | 30 Days | 30 Days | 30 Days |
A predefined waiting period within an insurance policy during which coverage is not provided for certain specific conditions, treatments, or services. | 24 Months | 24 Months | 24 Months |
A waiting period in health insurance policies that specifically applies to pre-existing diseases (PED). During this waiting period, coverage for treatment related to pre-existing conditions is not available. | 48 Months | 36 Months | 24 Months |
Covert your base plan as top up plan | Available with Deductible of Rs.1, 2, 3, 4, 5 and 10 lakhs | Available with Deductible of Rs.1, 2, 3, 4, 5 and 10 lakhs | Not Available |
This cover helps with out-of-pocket expenses like travel and food for attenders during the hospital stay. | Rs.1,000/day | Rs.2,000/day | Rs.5,000/day |
Enjoy benefits like APP based cab coverage (Ola, Uber, etc.) | Not Available | Covered as a part of Ambulance Cover | Covered as a part of Ambulance Cover |
If a 5% Co-payment is chosen, the insurer will pay 95% of the eligible claim amount, and the customer will receive a 5% premium discount | Available | Available | Available |
An additional feature in health insurance that covers the cost of consumable medical items used during hospitalization, such as gloves, | Upto 50K/Hospitalization | Upto 50K/Hospitalization | Upto 50K/Hospitalization |
This cover provide personalized guidance on diet, nutrition, and exercise, along with free video consultations with doctors. | Available for 2 Adults | Available for 2 Adults | Available for 2 Adults |
Detailed plan comparison
Lifeline classic Cover amount ₹2 Lakhs Premium : ₹3,818/Yr | Lifeline supreme Cover amount ₹2 Lakhs Premium : ₹3,818/Yr |
|---|
Room rent limit is the maximum allowed room category and cost of room per day
Any category
Any category
Room rent limit is the maximum allowed room category and cost of room per day
Up to sum insure once in a year
Up to sum insure once in a year
Room rent limit is the maximum allowed room category and cost of room per day
10% of Base Sum insure upto a max of 50% of Sum insure
20% of Base Sum insure upto a max of 100% of Sum insure
Room rent limit is the maximum allowed room category and cost of room per day
Full claim paid by insurer
Full claim paid by insurer
Room rent limit is the maximum allowed room category and cost of room per day
Covered up to 30 days
Covered up to 60 days
Room rent limit is the maximum allowed room category and cost of room per day
Covered up to 60 days
Covered up to 90 days
Room rent limit is the maximum allowed room category and cost of room per day
All day care treatments
All day care treatments
Room rent limit is the maximum allowed room category and cost of room per day
Cover up to ₹3000 per hospitalization
Cover up to ₹5000 per hospitalization
Room rent limit is the maximum allowed room category and cost of room per day
Coved up to sum insure
Coved up to sum insure
Coverage in health insurance that includes medical expenses incurred both before and after a hospital stay.
30/60 days, Covered upto SI
60/90 days, Covered upto SI
The age at which an individual is eligible to purchase or enroll in an insurance policy,
91days to No Limit
91days to No Limit
A reward or discount offered by insurance providers to policyholders who do not file any claims during a specified policy period.
10% of Base SI upto a max of 50% of SI. NCB Does Not decrease in case of claim
20% of Base SI upto a max of 100% of SI. NCB Does Not decrease in case of claim
A feature that allows for the replenishment or restoration of the sum insured amount after it has been fully exhausted during the policy year.
Upto Base SI.
Upto Base SI.
Not Covered
Not Covered
Available
Available
An insurance feature that provides policyholders with the option to seek a second medical opinion from a qualified specialist when diagnosed with one of the specified critical illnesses covered by the policy.
Not Covered
Available once during the policy period
Provides coverage for the medical expenses related to childbirth for a maximum of two pregnancies.
Not Covered
Not Covered
A component of health insurance that provides coverage for medical expenses incurred by a newborn baby during the first 90 days of life.
Not Covered
Not Covered
Vaccination for newborns in the first year is crucial for disease prevention.
Not Covered
Not Covered
A health insurance feature that reinstates the original coverage amount once it's fully utilized in a policy year,
Not Available
Once in a lifetime, for the same illness.
Health insurance provision offering coverage for hospitalization and medical treatment facing life-threatening medical conditions.
Not Available
Up to Rs 1,00,000
A medical procedure performed to assist with weight loss in individuals with severe obesity.
Not Available
Up to Rs 50,000, with a 6 year waiting period.
Not Available
Up to 5% of SI or Rs 50,000 (whichever is lower)
Not Available
Available
Health insurance coverage that extends international medical treatment options for three more specified critical illnesses,
Not Available
Not Available
Not Available
Not Available
Not Available
No Zone based Co-pay
A specific period after the start date of an insurance policy during which certain benefits, such as coverage for pre-existing conditions or specific treatments, may not be available.
30 Days
30 Days
A predefined waiting period within an insurance policy during which coverage is not provided for certain specific conditions, treatments, or services.
24 Months
24 Months
A waiting period in health insurance policies that specifically applies to pre-existing diseases (PED). During this waiting period, coverage for treatment related to pre-existing conditions is not available.
48 Months
36 Months
Detailed plan comparison
Lifeline supreme Cover amount ₹2 Lakhs Premium : ₹3,818/Yr | Lifeline elite Cover amount ₹2 Lakhs Premium : ₹3,818/Yr |
|---|
Sum insured is the maximum amount an insurance policy will pay for a covered loss.
5/7.5/10/15/20/25/50/100 lacs
25/30/50/100/150 Lacs
Regular screenings to detect issues early, promoting overall well-being
Annual
Annual
Limit on daily expenses for hospital room in health insurance.
No Room Rent Capping
No Room Rent Capping
Limit on daily expenses for hospital room in health insurance.
No Room Rent Capping
No Room Rent Capping
insurance provision for ambulance services during emergencies.
Up to Rs.5,000
Up to Rs.10,000
Coverage in health insurance for expenses related to organ transplantation, including medical procedures and donor costs.
Covered upto SI
Covered upto SI
Medical treatment received while admitted to a hospital
Covered upto SI
Covered upto SI
Room rent limit is the maximum allowed room category and cost of room per day
Cover up to ₹3000 per hospitalization
Cover up to ₹5000 per hospitalization
Room rent limit is the maximum allowed room category and cost of room per day
Coved up to sum insure
Coved up to sum insure
Coverage in health insurance that includes medical expenses incurred both before and after a hospital stay.
60/90 days, Covered upto SI
60/180 days, Covered upto SI
The age at which an individual is eligible to purchase or enroll in an insurance policy,
91days to No Limit
91days to No Limit
A reward or discount offered by insurance providers to policyholders who do not file any claims during a specified policy period.
20% of Base SI upto a max of 100% of SI. NCB Does Not decrease in case of claim
20% of Base SI upto a max of 100% of SI. NCB Does Not decrease in case of claim
A feature that allows for the replenishment or restoration of the sum insured amount after it has been fully exhausted during the policy year.
Upto Base SI.
Upto Base SI.
Not Covered
Not Covered
Available
Available
An insurance feature that provides policyholders with the option to seek a second medical opinion from a qualified specialist when diagnosed with one of the specified critical illnesses covered by the policy.
Available once during the policy period
Available once during the policy period
Provides coverage for the medical expenses related to childbirth for a maximum of two pregnancies.
Not Covered
Covered, as per limits in the plan
A component of health insurance that provides coverage for medical expenses incurred by a newborn baby during the first 90 days of life.
Not Covered
Covered, as per limits in the plan
Vaccination for newborns in the first year is crucial for disease prevention.
Not Covered
Covered upto Rs.10000
A health insurance feature that reinstates the original coverage amount once it's fully utilized in a policy year,
NOnce in a lifetime, for the same illness.
Once in a lifetime, for the same illness.
Health insurance provision offering coverage for hospitalization and medical treatment facing life-threatening medical conditions.
Up to Rs 1,00,000
Up to Rs 2,00,000
A medical procedure performed to assist with weight loss in individuals with severe obesity.
Up to Rs 50,000, with a 6 year waiting period.
Up to Rs 50,000
Up to 5% of SI or Rs 50,000 (whichever is lower)
Up to Rs 50,000
Not Available
Available
Health insurance coverage that extends international medical treatment options for three more specified critical illnesses,
Not Available
Not Available
Not Available
Not Available
Not Available
No Zone based Co-pay
A specific period after the start date of an insurance policy during which certain benefits, such as coverage for pre-existing conditions or specific treatments, may not be available.
30 Days
30 Days
A predefined waiting period within an insurance policy during which coverage is not provided for certain specific conditions, treatments, or services.
24 Months
24 Months
A waiting period in health insurance policies that specifically applies to pre-existing diseases (PED). During this waiting period, coverage for treatment related to pre-existing conditions is not available.
36 Months
24 Months
Detailed plan comparison
Lifeline classic Cover amount ₹2 Lakhs Premium : ₹3,818/Yr | Lifeline elite Cover amount ₹2 Lakhs Premium : ₹3,818/Yr |
|---|
Room rent limit is the maximum allowed room category and cost of room per day
Any category
Any category
Room rent limit is the maximum allowed room category and cost of room per day
Up to sum insure once in a year
Up to sum insure once in a year
Room rent limit is the maximum allowed room category and cost of room per day
10% of Base Sum insure upto a max of 50% of Sum insure
20% of Base Sum insure upto a max of 100% of Sum insure
Room rent limit is the maximum allowed room category and cost of room per day
Full claim paid by insurer
Full claim paid by insurer
Room rent limit is the maximum allowed room category and cost of room per day
Covered up to 30 days
Covered up to 60 days
Room rent limit is the maximum allowed room category and cost of room per day
Covered up to 60 days
Covered up to 90 days
Room rent limit is the maximum allowed room category and cost of room per day
All day care treatments
All day care treatments
Room rent limit is the maximum allowed room category and cost of room per day
Cover up to ₹3000 per hospitalization
Cover up to ₹5000 per hospitalization
Room rent limit is the maximum allowed room category and cost of room per day
Coved up to sum insure
Coved up to sum insure
Coverage in health insurance that includes medical expenses incurred both before and after a hospital stay.
30/60 days, Covered upto SI
60/90 days, Covered upto SI
The age at which an individual is eligible to purchase or enroll in an insurance policy,
91days to No Limit
91days to No Limit
A reward or discount offered by insurance providers to policyholders who do not file any claims during a specified policy period.
10% of Base SI upto a max of 50% of SI. NCB Does Not decrease in case of claim
20% of Base SI upto a max of 100% of SI. NCB Does Not decrease in case of claim
A feature that allows for the replenishment or restoration of the sum insured amount after it has been fully exhausted during the policy year.
Upto Base SI.
Upto Base SI.
Not Covered
Not Covered
Available
Available
An insurance feature that provides policyholders with the option to seek a second medical opinion from a qualified specialist when diagnosed with one of the specified critical illnesses covered by the policy.
Not Covered
Available once during the policy period
Provides coverage for the medical expenses related to childbirth for a maximum of two pregnancies.
Not Covered
Not Covered
A component of health insurance that provides coverage for medical expenses incurred by a newborn baby during the first 90 days of life.
Not Covered
Not Covered
Vaccination for newborns in the first year is crucial for disease prevention.
Not Covered
Not Covered
A health insurance feature that reinstates the original coverage amount once it's fully utilized in a policy year,
Not Available
Once in a lifetime, for the same illness.
Health insurance provision offering coverage for hospitalization and medical treatment facing life-threatening medical conditions.
Not Available
Up to Rs 1,00,000
A medical procedure performed to assist with weight loss in individuals with severe obesity.
Not Available
Up to Rs 50,000, with a 6 year waiting period.
Not Available
Up to 5% of SI or Rs 50,000 (whichever is lower)
Not Available
Available
Health insurance coverage that extends international medical treatment options for three more specified critical illnesses,
Not Available
Not Available
Not Available
Not Available
Not Available
No Zone based Co-pay
A specific period after the start date of an insurance policy during which certain benefits, such as coverage for pre-existing conditions or specific treatments, may not be available.
30 Days
30 Days
A predefined waiting period within an insurance policy during which coverage is not provided for certain specific conditions, treatments, or services.
24 Months
24 Months
A waiting period in health insurance policies that specifically applies to pre-existing diseases (PED). During this waiting period, coverage for treatment related to pre-existing conditions is not available.
48 Months
36 Months
10,000+ Cashless hospitals across India
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What is included and excluded Royal Sundaram's Lifeline health insurance policy
In-Patient Hospitalization
Coverage for hospitalization expenses, including room charges, doctor's fees, medications, and diagnostic tests.
Pre-Hospitalization and Post-Hospitalization
Reimbursement for medical costs incurred before and after hospitalization, such as consultations and tests.
Day Care Procedures
Coverage for medical treatments that don't require prolonged hospital stays, like dialysis and cataract surgery.
Ambulance Charges
Reimbursement for emergency ambulance expenses.
Organ Donor Expenses
Coverage for medical costs related to organ transplants for the insured or immediate family members.
Maternity Benefits
Optional coverage for childbirth and newborn care expenses.
Critical Illness Cover
Optional coverage for specific critical illnesses, providing a lump-sum payout upon diagnosis.
Alternative Treatments
Coverage for alternative healthcare treatments like Ayurveda, Unani, Siddha, and Homeopathy.
Second Opinion
Access to a second medical opinion from a panel of experts for critical illnesses.
Wellness Initiatives
Access to wellness programs and health check-ups to promote a healthy lifestyle.
A Step-by-Step Guide to file a health insurance claim
Cashless hospitalization
Hassle-free treatment at network hospitals without upfront payments, with insurance company settling medical bills directly.
Initiate the claim process
Insured files claim with TPA in the Hospital within 24 hours of emergency hospitalization and 72 hours prior to elective hospitalization.
Hospital will intimate us
In case of cashless hospitalization, the hospital will let us know and we will process the claim.
Bill settlement
When you are discharged, we will directly settle the bill with the hospital.
Reimbursement
Submit your medical bills for reimbursement after paying upfront. The insurer reviews and reimburses covered expenses based on policy terms.
Notify us
within 24 hours of emergency hospitalization and 72 hours prior to elective hospitalization.
Send your medical bill to TPA
On discharge from the hospital, the insured person must send, all medical treatment invoices and reports to Royal Sundaram.
Initiate reimbursement
We will verify the claim and reimburse the insured person for their expenses.
Looking for something else?
Explore other relevant options here
How much deduction you can avail under section 80D
Take a look at the tax benefit you can get by investing in health insurance.
What factors influence insurance premiums and how are they calculated ?
The premium in insurance refers to the amount of money paid by the policyholder to the insurance company in exchange for coverage and its influenced by insured members age, city, lifestyle, BMI, Occupation type, etc
How is it calculated
Insurance plan
Insurance plan determines premium and coverage. Higher sum insured and number of insured individuals affect premium.
Pre-existing medical conditions
Pre-existing medical conditions may increase premium and have a waiting period for claims.
Lifestyle
Lifestyle impacts health insurance premium - higher for smokers due to increased health risks.
Age
Age impacts health insurance premium - lower for youth, higher with age. Purchase early for better coverage and potential bonuses.
Location
Location affects premium cost - discounts available in select cities.
Benefits of buying Lifeline plan online
Our step by step procedure helps you to purchase lifeline plan ease
Save time
Purchase, renew, and file claims effortlessly through Royal Sundaram's online platform, saving you valuable time and effort.
Secured
Avail your Royal Sundaram health plan securely online, using safe and reliable online payment transactions.
Transparency
You can easily access and review policy details, coverage options, and terms and conditions, ensuring a clear understanding of what you're buying.
Cashless hospitalisation by Royal Sundaram's health insurance
Check out our popular affiliated cashless hospitals with state of the art healthcare facilities and trained medical professionals.
Medi Assist Insurance TPA
Paramount health service
How to cancel a Lifeline Health Insurance plan ?
It is very easy to cancel the policy by giving 15 days' written notice. In such an event the insurer will refund the premium on short-term rates for the unexpired policy term. If there is any case of misrepresentative or non-disclosure of material facts then the company can cancel the policy at any time. There would be no refund of premium on cancellation on these grounds.!
Trusted by 2 crore + happy customers
We Prioritize service and satisfaction and always try to give our best for all our customers.
VM SUNDARAM
I wanted to take a moment to say thank you for your excellent and quick service. I really appreciate the help you provided, and I'm happy with the work you did for me. It was a tough task for me, but your staff's support made it easier. I've been a member of your insurance company for four years, and I'm glad I chose ROYAL SUNDARAM insurance. Even on the weekend, the claim process went smoothly, and I'm grateful for how your employees communicated with me and approved my request within just one day. Your company's commitment is truly remarkable, and I want to thank you again for your support.
I wanted to take a moment to say thank you for your excellent and quick service. I really appreciate the help you provided, and I'm happy with the work you did for me. It was a tough task for me, but your staff's support made it easier. I've been a member of your insurance company for four years, and I'm glad I chose ROYAL SUNDARAM insurance. Even on the weekend, the claim process went smoothly, and I'm grateful for how your employees communicated with me and approved my request within just one day. Your company's commitment is truly remarkable, and I want to thank you again for your support.
3.7/5
4.4/5
More questions about health insurance? We have answers
FAQs on Health Insurance Policy
When you have a health insurance policy, there are essential steps to comprehend for managing emergency medical expenses:
- Annual Premiums: You pay yearly premiums as per your chosen health plan, maintaining your coverage.
- Medical Treatment: If you or other policyholders need medical treatment, contact either Royal Sundaram or the TPA office at the hospital.
Any Indian resident aged 18 and above is eligible. Age limits for coverage vary; generally, it's 18 to 65 years. Coverage for newborns can be added to family plans after 90 days. Senior citizen plans typically start at 60 years.
Yes, you can purchase multiple Health Insurances based on your medical needs.
Different plans suit different individuals:
- Individual Health Insurance
- Family Floater Health Insurance
- Senior Citizen Health Insurance
- Critical Illness Insurance
- Maternity Health Insurance
Along with annual payments, Royal Sundaram allow monthly, quarterly, or semi-annual payments.
Buying early brings benefits like lower premiums, higher covers, and bonus advantages. Also, it helps manage personal and medical loans.
Lifeline 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.
Lifeline Policy wordings
Select sum insured
Sum Insured: ₹ 5 Lakhs
Most popular
5 Lakhs (starts just ₹1200/month)
10 Lakhs (starts just ₹1800/month)
15 Lakhs (starts just ₹2400/month)
20 Lakhs (starts just ₹3800/month)
When is your current policy expiring?
Terms and Conditions
1. Consent for Communication:
By submitting my contact number and email ID, I authorize Royal Sundaram to call, send SMS, messages over internet-based messaging applications like WhatsApp, and email to offer me information and services for the product(s) I have opted for as well as other products/services offered by Royal Sundaram General Insurance Limited.
2. Premium Payment:
I declare that the premium paid under this transaction to Royal Sundaram General Insurance Limited is being paid by me as the proposer/policyholder through a bank account or a Credit/Debit Card or a Prepaid Payment Instrument or a UPI wallet (Wallet), held by me in my name as a primary holder (referred to as "source account"). I confirm that it is not a third-party payment made by any other person on my behalf. I understand that in the event of policy cancellation, the refund of premium as per policy terms and conditions may be credited back to such source account, and such electronic transfer will constitute full and final discharge of the Company's obligation.
3. Authorization and Sharing of Information:
We authorize the Company to share information pertaining to my proposal, including medical records, for the sole purpose of proposal underwriting and/or claims settlement with any Governmental and/or Regulatory authority. Further, I agree that I shall not lodge any complaint to TRAI of any alleged unsolicited by Royal Sundaram to me, as part of their policy/claims servicing.
4. Information Sharing:
I hereby permit/authorize Royal Sundaram General Insurance Company Limited to collect, store, communicate, and process information relating to the policy(ies) and all transactions related therewith, including the sharing and disclosing the public authorities of any confidential information as required by law.
For any further information or clarification, please feel free to contact Royal Sundaram Insurance at the following contact details:
Royal Sundaram General Insurance Co. Limited
Corporate Office Address :
Vishranthi Melaram Towers, No.2/319 , Rajiv Gandhi Salai (OMR), Karapakkam , Chennai - 600097.
Telephone : 91-44-7117 7117
Fax : 044 – 7117 7140
