Royal Sundaram Lifeline Elite Plan
Royal Sundaram General Insurance
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.
Brochure
Policy Wording
Explore more features
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 & ICU)
Normal: Covered up to the sum insured.
ICU: 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 Periods
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.
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 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
Hospital Cash Benefit - Provides a daily cash allowance of ₹5,000 for up to 30 days if hospitalization exceeds two days.
Worldwide Emergency Hospitalization - Covers emergency hospitalization expenses outside India (excluding the USA and Canada) up to 50% of the base sum insured, with a maximum limit of ₹20 lakhs and a deductible of $1,000 per hospitalization.
International Treatment for Specified Critical Illnesses - Offers coverage for treatment abroad (excluding the USA and Canada) for 11 specified critical illnesses, up to the sum insured, including return airfare up to ₹3 lakhs.
Maternity Benefits - Covers maternity expenses for up to two deliveries, with coverage up to ₹2 lakhs for sum insured up to ₹50 lakhs, and ₹2.5 lakhs for sum insured above ₹50 lakhs.
Newborn Baby Cover - Provides coverage for a newborn baby up to 25% of the sum insured.
Vaccinations for Newborn Baby - Covers vaccination expenses for the newborn during the first year, up to ₹10,000.
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
Can Health Insurance Help with Epilepsy Treatment?
About 1% of the Indian population has epilepsy, states a study conducted by The NCBI. It means that more than 1 Crore Indians have epilepsy. The study also shows that the prevalence of epilepsy is more in rural areas than urban.
Difference Between Health Insurance and Life Insurance
Learn the key differences between health and life insurance. Explore the sub-classification of these insurance types in India.
Future of Telemedicine In India: A Tech-driven Healthcare System
Telemedicine has earned public trust and is rightly considered not just a trend, but the future of public healthcare.