Are there any add-ons available with Royal Sundaram Lifeline Elite?

Yes, the Lifeline Elite plan offers add-ons such as Hospital Cash and Global Emergency Hospitalisation.

How does the waiting period affect my coverage?

30 days for new illnesses, 24 months for specific treatments, 48 months for pre-existing diseases.

What happens if I don’t use my health insurance benefits for the entire year?

No-Claim Bonus increases the sum insured, ensuring higher coverage for the following policy year.

Will my health insurance cover treatment abroad?

Covers emergency hospitalization and critical illness treatments abroad (excluding the USA and Canada) with specified limits.

OneAssure

Health Insurance

Royal Sundaram

Royal Sundaram Lifeline Elite

Experience India's most trusted health insurance with Royal Sundaram Health Insurance. Get instant cashless treatment at 10000 network hospitals with sum insured up to ₹50 lakhs.

95.9

Claim Settlement Ratio

10000

Network Hospitals

8.4

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

95.9

Claim Settlement Ratio

10000

Network Hospitals

8.4

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Royal Sundaram Health Insurance

Final Verdict

Lifeline Elite offers extensive coverage, including worldwide emergency hospitalization, maternity, and critical illness treatment abroad. Ideal for frequent travelers and families seeking premium health coverage with global and wellness benefits.

About

About Royal Sundaram Health Insurance

The Lifeline Elite plan by Royal Sundaram is a premium health insurance offering with sum insured options ranging from ₹25 lakh to ₹1.5 crore. It provides comprehensive coverage, including inpatient hospitalization, pre and post-hospitalization expenses, and all daycare procedures. Notably, the plan covers worldwide emergency hospitalization, maternity expenses, and outpatient treatments. Policyholders also benefit from a 100% reload of the sum insured and health and wellness benefits. This plan is ideal for frequent travelers seeking extensive health coverage both in India and abroad.

The Lifeline Elite plan by Royal Sundaram is a premium health insurance offering with sum insured options ranging from ₹25 lakh to ₹1.5 crore. It provides comprehensive coverage, including inpatient hospitalization, pre and post-hospitalization expenses, and all daycare procedures. Notably, the plan covers worldwide emergency hospitalization, maternity expenses, and outpatient treatments. Policyholders also benefit from a 100% reload of the sum insured and health and wellness benefits. This plan is ideal for frequent travelers seeking...

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Royal Sundaram Insurance Company Limited

Room Rent

Normal: Covered up to the sum insured.
ICU: Covered up to the sum insured.

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation d. Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.

Co-payment

No co-payment is required; the policy covers eligible medical expenses up to the sum insured without any cost-sharing by the insured.

Cashless Healthcare Providers

10,000+ HealthCare Providers.

Waiting Period

30 days for illnesses (excluding accidents).
24 months for specific treatments like cataract surgery and joint replacements.
48 months for pre-existing diseases.

Daycare Treatment

Covers all day care procedures that require hospitalization for less than 24 hours, up to the sum insured.

AYUSH Treatment

Expenses for alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.

Room Rent

Normal: Covered up to the sum insured.
ICU: Covered up to the sum insured.

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation d. Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.

Co-payment

No co-payment is required; the policy covers eligible medical expenses up to the sum insured without any cost-sharing by the insured.

Exclusions

Pre-existing diseases are not covered during the initial waiting period of 48 months.
No coverage for illnesses contracted within the first 30 days of policy issuance, except for accidents.
Cosmetic or plastic surgeries unless required due to accidental injuries or burns.
Dental treatments unless necessitated by an accident or covered under specific add-ons.
Treatment for alcohol or drug abuse, including rehabilitation programs.

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About the company

Ovеrviеw of Royal Sundaram Hеalth Insurancе Royal Sundaram Hеalth Insurancе, a division of Royal Sundaram Gеnеral Insurancе Co. Limitеd, is among India’s most dеpеndablе and customеr-friеndly hеalth insurеrs. Thе company focusеs on providing affordablе and flеxiblе hеalth solutions that catеr to individuals, familiеs, and sеnior citizеns with varying health care needs. With a widе nеtwork of ovеr 10,000 hospitals across thе country, Royal Sundaram еnsurеs quick and hasslе-frее cashlеss trеatmеnts for its policyholdеrs. Thе insurеr is known for its transparеnt claim procеss, innovativе plan options, and long-standing commitmеnt to customеr satisfaction. Its approach combinеs rеliability, simplicity, and valuе, making health...

Ovеrviеw of Royal Sundaram Hеalth Insurancе Royal Sundaram Hеalth Insurancе, a division of Royal Sundaram Gеnеral Insurancе Co. Limitеd, is among India’s most dеpеndablе and customеr-friеndly hеalth insurеrs. Thе company focusеs on providing affordablе and flеxiblе hеalth solutions that catеr to individuals, familiеs, and sеnior citizеns with varying health care needs. With a widе nеtwork of ovеr 10,000 hospitals across thе country, Royal Sundaram еnsurеs quick and hasslе-frее cashlеss trеatmеnts for its policyholdеrs. Thе insurеr...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.