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About Lifeline

About Lifeline

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.

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.
Lifeline Key Benefits

Key Benefits

Royal Sundaram offers affordable health insurance plans with a wide range of benefits to take care of you and your family.
Reload SumInsured

Reload Sum Insured

100% Reload of Sum Insured at no extra cost

No RoomRent Capping

No Room Rent Capping

No Room Rent Capping or Disease Specific Limits

Double Your SumInsured

Double Your Sum Insured

Double Your Sum Insured in 5 claim free years with No Claim Bonus

Coverage Lifeline

Coverages

Covers Ayush Treatment as well as vaccination in case of Animal Bite

Lifeline Brouchers

Download Product Brouchers


Lifeline

Lifeline
Classic

Lifeline
Supreme

Lifeline
Elite

Policy Terms and Conditions

We request you to carefully read and understand the Terms and Conditions, before you buy the Policy. All claims are processed strictly according to it. Please speak or chat with our Customer Support Team, if you need any clarification.
Lifeline Plan Comparision

Plan Comparison

These coverages are designed to enhance the level of protection offered in the basic cover.

Compare Classic Supreme Elite
Sum Insured(SI) in Rs 2, 3, 4 lakh 5, 10, 15, 20, 50 lacs 25, 30, 50, 100, 150 lacs
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-Excluding US and Canada 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 Excluding US and Canada Not Covered Not Covered Covered upto SI Return Airfare covered upto Rs.3 lac
 
Lifeline Coverages

Coverages

Lifeline comes with very useful features to cater to the different needs of our customers. Please find below the different features and benefits available under the Classic, Supreme and Elite plans.

If you are looking for a Comprehensive Health Insurance Plan for you and your family at an affordable price, then Lifeline Classic is the most suitable plan for you.

 

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

 

Cover Options:

Lifeline Classic caters to the health insurance needs of people looking for an affordable health insurance plan. This plan comes with sum insured options of Rs. 2 lacs, Rs. 3 lacs, and Rs. 4 lacs.

 

Key Benefits:

Lifeline Classic offers an array of benefits along with significant health cover for certain illnesses, medical conditions, and critical health situations.

 

Here are the list of key benefits covered and exclusions voided in the Lifeline Classic plan.

 

Lifeline Classic comes with the below key benefits:

  • Inpatient Hospitalization expenses
  • Pre and Post-hospitalization expenses amortized up to the amount of sum insured for 30 days and 60 days respectively
  • Coverage of all day care procedures up to the sum insured amount.
  • Ambulance cover up to Rs.3,000.
  • Expenses for Treatment of Organ Donor covered up to the sum insured.
  • Domiciliary hospitalization charges covered up to the sum insured.
  • No-claim bonus (NCB) starts from 10% of the sum insured and extends up to 50%. NCB is not reduced, even when a claim is filed during a particular year.
  • 100% Reload of sum insured during the treatment of different illnesses in the event of complete exhaustion of sum insured and NCB.
  • AYUSH Treatment - Inpatient hospitalization cover up to Sum Insured in Government Hospitals and up to Rs.20,000 in other hospitals.
  • Covers Vaccination in case of animal bite up to Rs.2,500.
  • Provision of complete health check-up available once every 3rd policy year.
  • Preventive Healthcare and Wellness.
     

 

For certain medical conditions, the company will not be liable to pay any claim under the Lifeline Classic health insurance plan. Here is the illustrative list of Exclusions that are not covered under the policy:

  • Pre-existing medical conditions as mentioned in the policy and declared by the insured at the time of purchasing policy will be covered only after 48 months of uninterrupted policy coverage. Claims are void if there is any gap in policy renewal.
  • Diseases contracted by the insured person within first 30 days after the commencement of policy are excluded from claims.
  • Diseases such as Cataract, Benign Prostatic Hypertrophy, Knee/Hip Replacement, Chronic Renal Failure/ End Stage Renal Failure etc., will not be covered during the first two years of insurance.
  • Permanent exclusions include medical cover availed due to Addictive Conditions and Disorders, Adventure or Hazardous Sports, Ageing and Puberty, Alternative Treatment (except AYUSH), Artificial Life Maintenance, Charges for Medical Papers, Circumcision, Conflict and Disaster, Congenital Conditions, Convalescence and Rehabilitation, Cosmetic Surgery, Dental/Oral Treatment, Drugs and Dressing for OPD Treatment or Take-home use, Eyesight Treatment, Health Hydros, Nature Cure, Wellness Clinics, HIV and AIDS, Hereditary Conditions, Hospitalization for Observation or Investigative purpose only, Items of personal comfort and convenience, Psychiatric and Psychosomatic Conditions, Obesity, OPD Treatment, Preventive Care, Reproductive Medicine, Self-inflicted Injuries, Sexual problems and gender issues, Sexually Transmitted Diseases, Sleep Disorders, Speech Disorders, Stem Cell Implantation, Treatment for Alopecia, Treatment for Developmental Problems, Treatment received outside India, Unproven/Experimental Treatment, Treatment from Unrecognized Hospital or Physician, Unrelated Diagnostic, or Injury due to Unlawful Activity.
Lifeline Claims

Lifeline - Claims Procedure

 

Please review your Lifeline policy and familiarize yourself with policy benefits, terms and conditions and exclusions which will help you during claims.

All claims for 4 benefits - Second Opinion for 11 Critical Illness / Emergency Domestic Evacuation / Worldwide Emergency Hospitalization / International Treatment for 11 Specified Critical Illness will be serviced through Europ Assistance India Pvt. Ltd.

All claims for benefits other than 4 benefits will be serviced through Paramount Health Services & Insurance TPA Pvt.Ltd

Claim Intimation

Policy Particulars

1.You should intimate Royal Sundaram atleast 72 hours prior to hospitalization in case of planned hospitalization or within 48 hours in case of any emergency hospitalization

Claim Process Letter

2.Provide the following details during intimation:

  • Name of the patient (insured person)
  • Diagnosis
  • Hospital Details – Name, Address, Contact No
  • Treating Doctor Details – Name & Contact No
  • Date of Hospitalization
  • Expected Discharge

Contact Details of Service Provider:

 

The following 2 benefits are serviced through the below mentioned service provider.

  • Second opinion for critical illness.
  • Emergency domestic evacuation
  • Worldwide Emergency Hospitalization
  • International Treatment for 11 Specified Critical Illness

Europ Assistance India Pvt Ltd

301, C Wing, Business Square, Andheri Kurla Road,

Chakala, Andheri (East), Mumbai – 400093

Contact No: + 91-22-67347878

Email: royalsundaram@europ-assistance.in

 

Cashless claims will be serviced by the below mentionedTPA:

 

Paramount Health Services & Insurance TPA Pvt.

Plot No A – 442, Road No28, MIDC Industrial Area,

Wagle Estate, Ram Nagar, Thane West – 400 604.

Contact details: +91-22-66620858

Toll Free Help Line Number – 1800 22 6655

Procedure to avail Pre-Authorization for Cashless facility

Policy Particulars

1.For any planned hospitalization, kindly intimate to TPA and seek cashless authorization atleast 72 hours prior to the start of the hospitalization.

Re Imbursement

2.2. For any emergency hospitalization, inform TPA within 48 hours of the hospitalization.

Survey

3.3. TPA will check your coverage as per the eligibility and send a cashless authorization letter to the hospital within 3 hours post receipt of complete documents. In case there is any deficiency in the documents sent, the same will be communicated to the hospital within 3 hours of receipt of documents.

Voucher

4.4. Please pay the non medical and expenses which are not covered to the hospital prior to the discharge.

Claim Process Letter

5.In case the ailment/treatment is not covered under the policy, a rejection letter would be sent to the hospital Within 2 hours

Note:

You are entitled for cashless only in our Network Hospitals, list of which can be referred on our website. Rejection of cashless in no way indicated rejection of the claim.

Contact Details of Service Provider:

 

The following 4 benefits are serviced through the below mentioned service provider.

  • Second opinion for critical illness.
  • Emergency domestic evacuation
  • Worldwide Emergency Hospitalization
  • International Treatment for 11 specified Critical Illness

Europ Assistance India Pvt Ltd

Star Hub Building No. 2, 7THFloor, Near ITC Maratha Hotel,

Sahar, Andheri East, Mumbai – 400 059

24 hour dedicated landline number is +91-22-67872035

Email: royalsundaram@europ-assistance.in

 

Cashless claims will be serviced by the below mentionedTPA:

 

Paramount Health Services & Insurance TPA Pvt.Ltd.

Plot No A – 442, Road No28, MIDC Industrial Area,

Wagle Estate, Ram Nagar, Thane West – 400 604.

Contact details: +91-22-66620858

Toll Free Help Line Number – 1800 22 6655

Procedure for Reimbursement Claims

Policy Particulars

1.Please send the duly filled and signed claim form and all the information/documents mentioned* therein to Royal Sundaram within 30 days from the date of discharge. * Please refer to claim form for complete documentation.

Re Imbursement

2.If there is any discrepancy in the documents/information submitted by you, Royal Sundaram will send the deficiency letter within 7 days of receipt of claim documents.

Survey

3.On receipt of the complete set of claim documents, Royal Sundaram will make the payment for the admissible amount (as per Policy Terms & Conditions), along with a settlement letter within 30 days.

Voucher

4.The payment will be made in the name of the proposer.

Claim Process Letter

5.Claim documents can be sent on:

Health Claims Department
Royal Sundaram General Insurance Co Ltd
Vishranthi Melaram Towers,
No.2/319, Rajiv Gandhi Salai (OMR)
Karapakkam, Chennai – 600097

Contact Details of Service Provider:

 

The following 2 benefits are serviced through the below mentioned service provider.

  • Second opinion for critical illness.
  • Emergency domestic evacuation
  • Worldwide Emergency Hospitalization
  • International Treatment for 11 Specified Critical Illness

Europ Assistance India Pvt Ltd

301, C Wing, Business Square, Andheri Kurla Road,

Chakala, Andheri (East), Mumbai – 400093

Contact No: + 91-22-67347878

Email: royalsundaram@europ-assistance.in

 

Cashless claims will be serviced by the below mentionedTPA:

 

Paramount Health Services & Insurance TPA Pvt.

Plot No A – 442, Road No28, MIDC Industrial Area,

Wagle Estate, Ram Nagar, Thane West – 400 604.

Contact details: +91-22-66620858

Toll Free Help Line Number – 1800 22 6655

Procedure to avail Pre-Authorization for Cashless facility (for Worldwide Emergency Hospitalization)

Policy Particulars

1.You need to notify the Service Provider within 24 hours of hospitalization.

Survey

2.Our Service Provider will evaluate the request and the eligibility of the Insured Person under the Policy and call for more information or details, if required.

Claim Process Letter

3.Our Service Provider will communicate directly to the Hospital whether the request for pre-authorization has been approved or denied.

Cashless Facility

4.If the pre-authorization request is approved, Our Service Provider will directly settle the claim with the Hospital. Any additional costs or expenses incurred by or on behalf of the Insured Person beyond the limits pre-authorized by the Service Provider shall be borne by the Insured Person.

Contact Details of Service Provider:

 

The following 2 benefits are serviced through the below mentioned service provider.

  • Second opinion for critical illness.
  • Emergency domestic evacuation
  • Worldwide Emergency Hospitalization
  • International Treatment for 11 Specified Critical Illness

Europ Assistance India Pvt Ltd

301, C Wing, Business Square, Andheri Kurla Road,

Chakala, Andheri (East), Mumbai – 400093

Contact No: + 91-22-67347878

Email: royalsundaram@europ-assistance.in

 

Cashless claims will be serviced by the below mentionedTPA:

 

Paramount Health Services & Insurance TPA Pvt.

Plot No A – 442, Road No28, MIDC Industrial Area,

Wagle Estate, Ram Nagar, Thane West – 400 604.

Contact details: +91-22-66620858

Toll Free Help Line Number – 1800 22 6655

Procedure for International Treatment for 11 specified Critical Illness

Policy Particulars

1.In the event of the diagnosis of a Specified Critical Illness, the Insured Person should call Our Service Provider immediately and in any event before the commencement of the travel for treatment overseas, on the helpline number specified in the Schedule of Insurance Certificate requesting for a pre-authorization for the treatment.

Survey

2.• Our Service Provider will evaluate the request and the eligibility of the Insured Person the Policy and call for more information or details, if required.

Claim Process Letter

3.Our Service Provider will communicate directly to the Hospital and the Insured Person whether the request for pre-authorization has been approved or denied.

If the pre-authorization request is approved, Our Service Provider will directly settle the claim with the Hospital. Any additional costs or expenses incurred by or on behalf of the Insured Person beyond the limits pre-authorized by the Service Provider or at any Non-Network Hospital shall be borne by the Insured Person.

Contact Details of Service Provider:

 

The following 2 benefits are serviced through the below mentioned service provider.

  • Second opinion for critical illness.
  • Emergency domestic evacuation
  • Worldwide Emergency Hospitalization
  • International Treatment for 11 Specified Critical Illness

Europ Assistance India Pvt Ltd

301, C Wing, Business Square, Andheri Kurla Road,

Chakala, Andheri (East), Mumbai – 400093

Contact No: + 91-22-67347878

Email: royalsundaram@europ-assistance.in

 

Cashless claims will be serviced by the below mentionedTPA:

 

Paramount Health Services & Insurance TPA Pvt.

Plot No A – 442, Road No28, MIDC Industrial Area,

Wagle Estate, Ram Nagar, Thane West – 400 604.

Contact details: +91-22-66620858

Toll Free Help Line Number – 1800 22 6655

 

Lifeline Faq

FAQs

Questions about Lifeline Insurance? Get your answers here.

There are certain conditions for which customer can wait for treatment and does not need immediate medical treatment. Lifeline has 2 years waiting period for 17 conditions as mentioned below:

 
  • Cataract
  • Stones in biliary and urinary systems
  • Hernia / Hydrocele
  • Hysterectomy for any benign disorder
  • Lumps / cysts / nodules / polyps / internal tumours
  • Gastric and Duodenal Ulcers
  • Surgery on tonsils / adenoids
  • Osteoarthrosis / Arthritis / Gout / Rheumatism / Spondylosis / Spondylitis / Intervertebral Disc Prolapse
  • Fissure / Fistula / Haemorrhoid
  • Sinusitis / Deviated Nasal Septum / Tympanoplasty / Chronic Suppurative Otitis Media
  • Benign Prostatic Hypertrophy
  • Knee/Hip Joint replacement
  • Dilatation and Curettage
  • Varicose veins
  • Dysfunctional Uterine Bleeding / Fibroids / Prolapse Uterus / Endometriosis
  • Diabetes and related complications
  • Chronic Renal Failure or end stage Renal Failure

Vaccination in case of Animal Bite covers the expenses incurred by you to take vaccination in OPD. For eg, in case of Dog Bite, you need to take Rabbies vaccination at regular interval which is an OPD procedure. Lifeline will cover the expenses incurred on vaccination upto the limit against your plan.


It does not cover the medicines, bandages or other expenses incurred while taking the vaccination.

We will cover the expense incurred on an ambulance offered by a hospital or ambulance service provider for transferring you to the nearest hospital provided we accept the inpatient care claim for the given hospitalization. It is covered upto Rs.3000 in Classic, Rs.5000 in Supreme and Rs.10000 in Elite.


Expenses incurred on Hearse Van is not covered.

Lifeline covers Worldwide Emergency Hospitalization however it does not cover certain other benefits related to travel inconvenience like Passport Loss, Loss of Baggage, etc. Hence, we suggest that if a customer is travelling abroad, they should also take an oversea travel insurance policy as per their travel itinerary.

 

Lifeline Elite plan is a suitable offering for HNI customers who are frequently travelling or want the best of class treatment across the globe. This plan will help them to get the treatment done across the globe.
 
If you are stuck in an emergency due to accident or illness in India, we will assist to transport you safely from one hospital to another hospital to provide a suitable medical treatment.
For eg, in case of a natural calamity like Kashmir Flood, you are rescued by Army and admitted in a hospital in one of the relief camp. Royal Sundaram will arrange for Domestiv Evacuation from this hospital to another hospital having better medical facilities for treatment.
This benefit is available for Supreme and Elite only. Any expenses beyond the limit (Rs.1lac for Supreme and Rs.3lacs for Elite) has to be paid by you.
 
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