Royal Sundaram Lifeline Elite
Royal Sundaram
8.4/10
OneAssure Rating
8.4/10
OneAssure Rating
Highlighted Features
No Room Rent Capping
Covers both normal and ICU room expenses up to the sum insured without any rent restrictions.
Comprehensive Advanced Treatments Coverage
Includes cutting-edge medical procedures like robotic surgeries, stem cell therapy, and oral chemotherapy for critical illnesses.
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
- Normal: Covered up to the sum insured.
- ICU: Covered up to the sum insured.
- Normal: 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.
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.
Self-inflicted injuries, suicide attempts, or intentional harm.
Weight management treatments, including obesity procedures and bariatric surgery.
Sexually transmitted diseases, including HIV/AIDS, unless explicitly covered.
War, terrorism-related injuries, nuclear radiation exposure, or biological warfare.
Hospitalization primarily for rest, recuperation, or rehabilitation purposes.
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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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.
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.
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