Royal Sundaram Lifeline Classic
Royal Sundaram
7.3/10
OneAssure Rating
7.3/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Covers a single private room and ICU charges up to the sum insured, ensuring quality hospitalization benefits.
Advanced Treatments
Covers robotic surgeries, chemotherapy, stem cell therapy, and specialized treatments, ensuring access to modern medical advancements.
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Our Verdict
Royal Sundaram Lifeline Classic is ideal for individuals and families seeking comprehensive health coverage. It offers OPD, maternity, and critical illness benefits, plus no room rent limits. However, some add-ons may increase premiums. Best for those prioritizing extensive coverage and long-term financial security.
About the Plan
Royal Sundaram Lifeline Classic is a comprehensive health insurance plan designed to provide financial protection against medical expenses. It covers hospitalization costs, pre- and post-hospitalization expenses, daycare treatments, and emergency ambulance charges. The plan also includes coverage for domiciliary hospitalization and modern treatments. Policyholders benefit from lifetime renewability and tax savings under Section 80D. With no sub-limits on room rent and an option for a no-claim bonus, it ensures enhanced coverage over time. Ideal for individuals and families seeking reliable healthcare support.
About the Plan
Product Stats
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Features of the Product
AYUSH Treatment
Expenses for alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.
Room Rent
The Royal Sundaram Lifeline Classic plan offers no sub-limits on room rent or ICU charges.
Advanced Treatments
Robotic surgeries, stem cell therapy, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, cochlear implants, and IONM enhance precision, recovery, and treatment for neurological, cancer, and hearing conditions.
Co-payment
The Royal Sundaram Lifeline Classic plan does not have a mandatory copayment.
Waiting Period
The Royal Sundaram Lifeline Classic plan has a 30-day initial waiting period, 24 months for specific illnesses, and 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.
Exclusions
Pre-existing diseases are not covered during the initial waiting period.
Any illness or injury occurring within the first 30 days of policy inception, except accidents.
Treatment for self-inflicted injuries, suicide attempts, or substance abuse-related conditions.
Cosmetic or plastic surgery unless required due to accident or medically necessary.
Dental treatment unless required due to accidental injury.
Treatments related to infertility, sterility, or assisted reproductive techniques.
Expenses for participation in hazardous activities or adventure sports.
Injuries or illnesses arising from war, terrorism, or nuclear exposure.
Treatment received outside India unless covered under a specific add-on.
Experimental or unproven medical treatments, procedures, or drugs.
Exclusions
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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.
About the Company
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