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.

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.

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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

Get a Quote

95.9

Claim Settlement Ratio

10000

Network Hospitals

8.4

Customer Rating

Our Verdict

Expert Review: Royal Sundaram Health Insurance

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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...

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.

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.

Cashless Healthcare Providers

10,000+ HealthCare Providers.

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.

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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.
Injuries sustained during participation in adventure sports or hazardous activities.
Infertility treatments, surrogacy, or assisted reproductive procedures are excluded.
Non-prescribed vitamins, supplements, and experimental or unproven treatments.

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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 care protection accеssiblе and strеss-frее for еvеry housеhold.

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.