Royal Sundaram Lifeline Classic Plan
Royal Sundaram General Insurance
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.
Brochure
Explore more features
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
Rating
Features of the Product
Room Rent (Normal & ICU)
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 Periods
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.
Day Care Treatments
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.
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
No Claim Bonus (NCB) Booster - Enhances the No Claim Bonus percentage, allowing policyholders to accumulate a higher sum insured for every claim-free year.
OPD Cover - Provides coverage for outpatient consultations, diagnostic tests, and prescribed medications, reducing out-of-pocket expenses for routine medical visits.
Maternity and Newborn Cover - Extends coverage for maternity expenses, including delivery and newborn care, ensuring financial support for expecting families.
Critical Illness Cover - Offers additional financial protection against life-threatening diseases by providing a lump sum payout upon diagnosis of specified critical illnesses.
Room Rent Waiver - Removes sub-limits on room rent, allowing policyholders to opt for any hospital room without additional out-of-pocket expenses.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Royal Sundaram General Insurance is a leading insurance provider in India, known for its diverse and customer-focused offerings. It operates as a part of the Sundaram Finance Group and offers a wide range of insurance products, including motor, health, home, and travel insurance.The company aims to make insurance accessible and affordable for individuals and families by offering competitively priced premiums and innovative insurance solutions that cater to various needs. Whether you are looking to safeguard your health, vehicle, home, or travel plans, Royal Sundaram provides tailored coverage options, backed by a robust claim settlement process.
The company is led by Managing Director and Whole-Time Director, Mr. M.S. Sreedhar.
About the Company
Still Confused ?
Frequently Asked Questions
Related Blogs
10 Health Insurance Benefits You Should Check for in Your Policy
Discover the 10 advantages of insurance and learn how health insurance can protect your family and finances during unforeseen medical events.
Best Health Insurance Company in India
Explore the best health insurance companies in India, with top benefits, cashless services, and quick claim settlement. Find the right coverage for you and your family.