• Royal Sundaram Lifeline 'Classic' Health Insurance Plan

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    Royal Sundaram offers a range of Lifeline Health Insurance Plans, which are holistic indemnity plans that cover the health insurance needs of the policyholder as well as his family. These plans can be purchased by any individual over the age of 18 and is offered as an Individual Plan or a Family Floater Plan.

    The Royal Sundaram Lifeline Classic plan is a comprehensive health insurance plan that is suited for customers looking to insure themselves as well as their family at an affordable price.

    Features and Benefits of Royal Sundaram Lifeline Classic:

    Listed below are the features and benefits of Royal Sundaram Lifeline Classic

    Eligibility age Minimum age - 91 days for dependent children and 18 years for proposer or adults Maximum age - 25 years for dependent children and lifetime entry age for adults.
    Policy Type Individual or Family Floater
    Family Coverage Self, spouse and up to 4 dependent children Separate floater plan can be taken for parents or other dependents
    Policy term Option of 1 year, 2 years as well as 3 years
    Renewability Lifetime renewability
    Renewal Premium Premium payable on renewal based on the age at the time of renewal
    Grace Period for Renewal 30 days from the date of expiry to renew the policy
    Sum Insured Minimum sum insured - Rs 2 lakh Maximum sum insured - Rs 4 lakh
    Cover offered
    • Inpatient care covered up to Sum Insured
    • Pre And Post Hospitalisation Expenses for 30 to 60 days covered up to Sum Insured
    • All Day Care Procedures covered up to Sum Insured
    • Ambulance Cover up to Rs 3,000
    • Organ Donor Expenses covered up to Sum Insured
    Discount
    • Discount of 7.5% if the policyholder opts for a 2 year tenure
    • 12% if the policyholder opts for a 3 year tenure
    Benefits Listed below are the benefits of Royal Sundaram Lifeline Classic
    • Domiciliary Hospitalisation covered up to Sum Insured
    • No-Claim Bonus - 10% of Base Sum Insured up to a max of 50%
    • Income Tax Saving on Premium Paid Under Section 80D of the IT Act
    • Reload of Sum Insured up to Base Sum Insured
    • After purchasing the policy, the policyholder can cancel and return the policy during the free look-in period of 15 days
    Added Benefits
    • Ayush Treatment - Covered up to Sum Insured in Government Hospitals and up to Rs 20,000 in other hospitals
    • Vaccination in case of animal bite covered up to Rs 2,500
    Health and Wellness Benefits
    • Health Check-up once in two years
    • Preventive Healthcare & Wellness option available
    Customer Level Options Top-up plan on Annual Aggregate Basis - Deductible of Rs 1 lakh, 2 lakh, 3 lakh, 4 lakh, 5 lakh and 10 lakhs Hospital Cash (For 30 days in case of hospitalisation beyond 2 Days) - Rs 1,000 per day
    Exclusions Listed below are some of the exclusions that are not covered by the Royal Sundaram Lifeline Classic plan.
    • The policy does not cover addictive conditions and disorders
    • Diseases contracted by the insured person within first 30 days after the commencement of policy are excluded from claims
    • 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
    • The policy does not offer cover for dental and oral treatment
    • Ancillary hospital charges as well as cosmetic surgery are not covered
    • AIDS is not covered under the policy
    • X-Ray or Laboratory charges are not covered
    • The policy does not cover conflicts and disasters
    • Treatment received outside India is not covered under this plan

    Other Health Insurance Plans from Royal Sundaram:

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Royal Sundaram Lifeline 'Classic' Plan Reviews

  • Page 1 of 8 1 2 3 4 5
    • Royal Sundaram Health Insurance
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I've a health insurance policy with the Royal Sundaram. I am paying the premium for myself . I pay a premium of 2500 per years. I do not have any claim experience with the policy and th premium amount gets auto debited from my account.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 21, 2018
    • Royal Sundaram Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've been using the health insurance policy from Royal Sundaram for a while. I am paying the premium of 8000, many of my friends recommended Royal Sundaram. I never had any claim experience with the policy. Overall it has been a smooth experience. I'll have to wait and see how they respond to my requirement in future.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 16, 2018
    • Royal Sundaram Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I got the health insurance policy from the ROYAL SUNDARAM GENERAL INSURANCE company and i have got it around 5 years. This policy covers 4members in my family and it has the medical coverage amount of Rs,3,00,000 . I pay the premium amount of Rs,8,000 to renew the policy every year.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 13, 2018
    • Royal Sundaram Health Insurance
      "Good Service"
      0.5 2.0/5 "Expected more"
      I've a health insurance policy with the Royal Sundaram. I pay a premium of 3700. I do not have any claim experience with the policy after 5 months usage. Their services are good and they offered me an annual coverage of 3 lakhs with the policy. As of now I did not experience anything negative.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 05, 2018
    • Royal Sundaram Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Royal Sundaram Health Insurance for the past 4 months. I pay a premium of 9000 Per year, No claims 4 months,it is Convenient to make payments as the premium gets Auto debited from account. The policy offers full protection for me and they offer 40 lacs coverage annually.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 05, 2018
    • Royal Sundaram Health Insurance
      "Good Use for Health Insurance"
      0.5 5.0/5 "Blown Away!"
      I can Claim upto Rs. 3 lakhs. Cashless transaction is available. I took this policy for my family. I can utilize this policy for medical emergency. Tax benefitable policy. This covers the pre-existing disease also. Total I'm paying Rs. 295 every month.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 29, 2018
    • Royal Sundaram Health Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      I have taken a health insurance policy with Royal Sundaram along with SBI credit card, i pay a premium of Rs 240 every month for this insurance policy. I have not claimed anything so far from this insurance and i am happy with the coverage value of Rs 3 lakhs for this policy.
      Was this review helpful? 0
      , secunderabad
      Reviewed on May 22, 2018
    • Royal Sundaram Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      Using the ROYAL SUNDARAM GENERAL INSURANCE health insurance policy for the past 4 months . The customer support service and the response is average with the Royal sundram policy . This policy covers 4members in my family . This policy has the medical coverage amount of Rs,5,00,000 and I am satisfied with the service.
      Was this review helpful? 0
      , chennai
      Reviewed on May 22, 2018
    • Royal Sundaram Health Insurance
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I've been using the Rroyal Sundaram Health insurance before many years. When I Changed place the renewal notice wasn't received hence I change to a different provider. I don't have any claim experience with the policy. I never faced any other issues with their services.
      Was this review helpful? 0
      , chennai
      Reviewed on May 17, 2018
    • Royal Sundaram Health Insurance
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      Got my Health insurance policy form royal sundaram general insurance as they said they were tied up with sbi . After making payment for health insurance from sbi till now not received the health insurance card and documents . For medical claim am not able to do so As i have contacted their customer care but still there is no response from them.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 13, 2018
    • Royal Sundaram Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Royal Sundaram from last 1 year, i am not aware of the premium amount as my company pays it. I have a coverage value of Rs 2.5 lakhs and i am satisfied with it. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 08, 2018
    • Royal Sundaram Health Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      I have a health insurance policy with Royal sundaram from last 1 month, the coverage value of this insurance policy is 3 lakhs. I am not aware of the premium amount as my company pays it. I do not have claim experience so far with this insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 26, 2018
    • Royal Sundaram Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance with Royal Sundaram from last 1 year and it is a good insurance policy to use. I am not aware of the premium amount as my company pays it. I do not have claim experience so far with this health insurance. I have a coverage value of Rs 1 lakh which is satisfactory.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 02, 2018
    • Royal Sundaram Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      Recently I have got the health insurance policy from the ROYAL SUNDARAM GENERAL INSURANCE company. I have paid Rs,2500 to get this policy and it has the tenure of one year. The customer support service is good with the ROYAL SUNDARAM GENERAL INSURANCE. This policy covers 20 members in my family.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 14, 2018
    • Royal Sundaram Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance with Royal Sundaram from last 2 years and it is one of the good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 13000 for this insurance. I do not have claim experience so far with this insurance and i have a coverage of Rs 5 lakhs for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 12, 2018
    • Royal Sundaram Health Insurance
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have taken Health insurance with Royal sundaram,the premium amount is 3000 per month.The policy coverage amount is four lakhs.The policy is for one year.I have no claim experience with them.I get 100% cashless treatment.The policy is taken three months ago.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 06, 2018
    • Royal Sundaram Health Insurance
      "Good Coverage"
      0.5 4.0/5 "Great!"
      I recently took a SBI credit card and along with it I got the additional optional option of taking this Insurance. I like the Insurance and decided to take 2 schemes from them. I have been paying Rs.6000 as an annual premium and the total coverage that I would be getting is Rs.6 Lakhs (i.e. 2 Rs.3 Lakhs coverages) for 4 people. I haven't received details about my second Insurance yet.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 22, 2018
    • Royal Sundaram Health Insurance
      "Best insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have taken Health Insurance with Royal sundaram.The premium amount is is 2500,the policy coverage is five lakhs,24 hours hospitalization. for any kind of claims.The payments is done online.I have no claim experience and cashless treatment is covered 95%.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • Royal Sundaram Health Insurance
      "Average service"
      0.5 1.0/5 "Really Bad"
      I have taken Royal Sundaram Health Insurance policy,i purchased two months ago,the premium amount is is 6000 paid per annum,I dint receive the kit as yet.The policy coverage is three lakhs and they would cover 100% cashless treatment.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • Royal Sundaram Health Insurance
      "Health insurance with ROYAL SUNDARAM"
      0.5 3.0/5 "Satisfactory"
      From ROYAL SUNDARAM GENERAL INSURANCE i have taken a health insurance policy and the premium amount is 7000. This policy covers my whole family. They provide cashless treatment facility.I make my payment through cheque. The customer service is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 13, 2018
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