Royal Sundaram Lifeline 'Classic' Health Insurance Plan

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 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 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.

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