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Lifeline Health Insurance Plans

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Lifeline is a holistic indemnity plan from Royal Sundaram that covers the health insurance needs of you and your family.

Any individual above 18 years of age can purchase Lifeline. Lifeline is offered as an Individual plan and as a Family Floater plan for yourself, your spouse and children.

To help you avail the best medical attention, Lifeline comes in three key variants:
 
  • Lifeline Classic
  • Lifeline Supreme
  • Lifeline Elite

These plans offer extensive cover starting from Rs. 2 Lacs and extending up to Rs. 1.5 Crore.
 

Who can be covered?

  • Any person who is more than 18 years of age can be the proposer of the plan.
  • Policy will cover the applicant, spouse, and up to four dependent children aged between 91 days and 25 years.
  • There is no restriction on maximum entry age.  
     
Health Insurance Plan - Lifeline
Sum Insured (SI) in Rs.
Classic Supreme Elite
2,3,4 lacs 5,10,15,20,50 lacs 25,30,50,100,150 lacs
Baseline cover benefits
Inpatient Care Covered up to SI Covered up to SI Covered up to SI
Pre and post hospitalization expenses
30/60 days, Covered upto SI
60/90 days, Covered upto SI
60/180 days, Covered upto SI
All Day care procedures
Covered up to SI
Covered up to SI
Covered up to SI
Ambulance Cover
Up to Rs.3,000
Up to Rs.5,000
Up to Rs.10,000
Organ Donor Expenses
Covered upto SI
Covered upto SI
Covered upto SI
Other Benefits
Domiciliary Hospitalization
Covered upto SI
Covered upto SI
Covered upto SI
No Claim Bonus
10% of Base SI upto a max of 50% of SI
20% of Base SI upto a max of 100% of SI
20% of Base SI upto a max of 100% of SI
Re-load of Sum Insured
Upto Base SI
Upto Base SI
Upto Base SI
Ayush Treatment
Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.20,000
Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.30,000
Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.50,000
Vaccination in case of Animal Bite
Upto Rs.2,500
Upto Rs.5,000
Upto Rs.7,500
Emergency Domestic Evacuation (Bed to Bed on advise of treating doctor)
Not Covered
Covered upto Rs.1lac
Covered upto Rs.3lacs
Worldwide Emergency Hospitalization
Not Covered
Not Covered
50% of Base SI upto max of Rs.20lacs; Deductible of $1,000 per hospitalization
International Treatment abroad for specified 11 critical illnesses
Not Covered
Not Covered
Covered upto SI Return Airfare covered upto Rs.3 lac
Health & Wellness Benefits
Health Check-up
Once in 2 years
Annual
Annual
Preventive Healthcare & Wellness
Available
Available
Available
Second Opinion for 11 specified Critical Illness
Not Covered
Available once during the policy year
Available once during the policy year
OPD Treatment
Not Covered
Not Covered
Upto Rs.10,000
Maternity Benefits
Maternity cover for up to 2 deliveries
Not Covered
Not Covered
For SI upto Rs.50lacs - Rs.2lacs
For SI > Rs.50lacs - Rs.2.5lacs
New Born Baby Cover
Not Covered
Not Covered
25% of SI
Vaccinations for new born baby in the first year
Not Covered
Not Covered
Covered upto 10,000
Optional Benefits
Top-up plan on annual aggregate basis
Deductible of Rs.1,2,3,4,5 and 10 lacs
Deductible of Rs.1,2,3,4,5 and 10lacs
Not Available
Hosptial Cash (for 30 days in case of hospitalization beyond 2 days)
Rs.1,000/day
Rs.2,000/day
Rs.5,000/day
Option to inlcude US and Canada for Worldwide Emergency Hospitalization and International Treatment for 11 specified Critical Illness
Not Available
Not Available
Available
 
 
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