Royal Sundaram Lifeline Elite Plan
  • 11 specified critical illnesses cover
  • Worldwide emergency hospitalization
  • Maternity & newborn covers
Royal Sundaram Lifeline Elite
Network hospitals

Network hospitals

10000+

Claim settlement ratio

Claim settlement ratio

96.17%

Sum insured

Sum insured

Up to 1.5 Cr

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

2.1

Pan India Presence

Pan India Presence

160+

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Royal Sundaram Lifeline Elite Plan

Royal Sundaram Lifeline Elite Plan is the only health insurance that you need now! Why? Let's understand this with an example.

Rahul and Aditya went on an international tour in the USA

They met with an accident when they were travelling by cab from New York City to Manhattan

There was a major issue with Aditya as he didn't plan such a thing

Rahul on the other hand was not that worried about the treatment expenses

Why?

Aditya's basic health insurance policy was bound to provide accidental coverage in India only but Rahul's Royal Sundaram Lifeline Elite plan was there to save him

It covered all the treatment expenses related to accidental emergency hospitalization (with additional international coverage) and he had to pay almost nothing, unlike Aditya

Analysis

So, what does this example convey? It's simple. The Royal Sundaram Lifeline Elite health insurance plan comprehensively covers the worldwide emergency along with its basic medical expenses related to pre and post-hospitalization, domiciliary and in-patient hospitalizations, all daycare procedures, OPD, organ donor expenses, ambulance cover, and so on.

Additionally, it covers 11 specified critical illnesses, an emergency domestic evacuation facility, health and wellness benefits, and much more. Apart from this, you can also buy an extra layer of protection with the Elite Plus cover which makes sure that you're covered anytime, anywhere, even internationally!

Well, what would you like to be? Aditya with an aam zindagi' or 'Rahul with the mentos zindagi'?

Royal Sundaram Lifeline Elite Plan Specifications

To understand Royal Sundaram Lifeline Elite Plan Insurance in detail, take a look at the below table:

Entry Age

18 to 65 Years

Policy Type

Individual and Family Health Insurance

Sum Insured

25 L | 30 L | 50 L | 1 Cr | 1.5 Cr

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1/2/3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Benefits of Royal Sundaram Lifeline Elite Plan

Royal Sundaram Lifeline Elite Plan The Lifeline Elite plan by Royal Sundaram offers multiple healthcare benefits and other value-added covers that make it stand out. Read below the benefits that you'll get with it:

  1. Worldwide emergency hospitalization

    If there's an emergency abroad that needs quick hospitalization (excluding the USA and Canada with the base cover), the medical expenses of the hospitalization will be covered under the policy. By paying an additional cost to the insurer, you can get the worldwide emergency hospitalization for the USA and Canada as well.

  2. Emergency domestic evacuation

    In the condition of an illness specified in the policy documents or the event of an accident, the insurer will cover the expenses related to emergency evacuation from one hospital to the other hospital.

  3. Tax benefits

    Avail a specified tax benefit against all the premiums you've paid for your RS Lifeline Elite plan, under Section 80D of the Income Tax Act of India.

  4. Specified critical illnesses cover

    The insured individuals can avail of the coverage benefits with 11 specified critical illnesses abroad and all the treatment incurred for the same will be paid by your Royal Sundaram Lifeline Elite policy. The treatment can be taken worldwide (the USA and Canada can be covered with additional premiums). The airfare to return to India after treatment will be reimbursed upto INR 3 Lakhs.

    Below are the 11 specified critical illnesses covered by this plan;

    • Cancer of specified severity
    • First heart attack of specified severity
    • Open chest CABG
    • Open heart replacement or repair of heart valves
    • Coma of specified severity
    • Kidney failure requiring regular dialysis
    • Stroke resulting in permanent symptoms
    • Major organ or bone marrow transplant
    • Permanent paralysis of limbs
    • Motor neurone disease with permanent symptoms
    • Multiple sclerosis with persisting symptoms

    Note: All of these critical illnesses' claims will be covered after a mandatorily applicable co-payment of 20%.

  5. Elite Plus Option

    This is an additional benefit cover that helps you get the maximum out of your Lifeline Elite plan, here are the benefits available under Elite Plus:

    • App-based cabs as a part of ambulance cover
    • Refresh of the sum insured
    • In-patient treatment for PEDs if the condition is life-threatening
    • Bariatric surgery
    • Mobility devices
    • Second opinion for an additional 11 specified critical illnesses (a total of 22 critical illnesses)
    • International treatment for 3 additional critical illnesses (a total of 14 specified critical illnesses)
    • In-vitro fertilization (IVF) treatment

Royal Sundaram Lifeline Elite Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under the Royal Sundaram Lifeline Elite Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage, and Abortion

Congenital disease

Infertility and in vitro fertilization

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Listed ailments after 48 Months

Pre-existing diseases after 24 Months

Summary

Royal Sundaram Lifeline Elite plan is specially designed for those who are likely to travel abroad and want extended healthcare services from their insurer. In addition to this, policyholders can also avail of extra benefits over the base cover with the Elite Plus option. The worldwide emergency hospitalization benefit of this policy is an outstanding cover that you might require any time while traveling outside India.

This policy is not limited to these benefits only! To know more about the Royal Sundaram Lifeline Elite plan, reach out to us at 1800 4200 269 to get an expert's guidance on it.

Explore other Royal Sundaram Health Insurance

To cater to the different medical needs of an individual & their family, Royal Sundaram Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Royal Sundaram Health Insurance plans explore more:

Individual and Family Health Insurance

Royal Sundaram Lifeline Supreme Health Plan is a one-of-a-kind health insurance plan as it offers holistic coverage with a wide range of benefits such...

Unique Features

  • Up to 1 Crore SI
  • 4X Mobility Devices Cover
  • Health and Wellness Cover

Royal Sundaram Lifeline Supreme (Pros)

Royal Sundaram Lifeline Supreme
  • Re-load of sum insured
  • Health check-up
  • App-based cabs

Royal Sundaram Lifeline Supreme (Cons)

Royal Sundaram Lifeline Supreme
  • Illegal activities
  • Alcoholism
  • Self-inflicted harm

Royal Sundaram Lifeline Supreme (Other Benefits)

Royal Sundaram Lifeline Supreme
  • Annual Health Check-up
  • Emergency Evacuation
  • Second Opinion

Royal Sundaram Lifeline Supreme (Eligibility Criteria)

Royal Sundaram Lifeline Supreme
  • Min Entry Age:18 Years
  • Max Entry Age: No limit
  • Intiial Waiting Period: 30 Days
  • Sum Insured: 1 Crore

Accident Health Insurance

Royal Sundaram Personal Accident Policy safeguards insured individuals against the loss of income, provides the best medical care, and ensures your ch...

Unique Features

  • Global Coverage Available
  • 5 Crore SI
  • Education Grant

Royal Sundaram Health Personal Accident Policy (Pros)

Royal Sundaram Health Personal Accident Policy
  • Higher sum insured available
  • Accidental death cover
  • Disability cover

Royal Sundaram Health Personal Accident Policy (Cons)

Royal Sundaram Health Personal Accident Policy
  • Illegal activities
  • Alcoholism
  • Adventure sports

Royal Sundaram Health Personal Accident Policy (Other Benefits)

Royal Sundaram Health Personal Accident Policy
  • Worldwide coverage
  • Education grant
  • Cumulative bonus

Royal Sundaram Health Personal Accident Policy (Eligibility Criteria)

Royal Sundaram Health Personal Accident Policy
  • Min entry age: 18 Years
  • Max entry age: 70 Years
  • Sum Insured: Up to 1.5 Crores

Individual and Family Health Insurance

Royal Sundaram Multiplier Health Insurance is a one of its kind plan that covers up to 11 times the sum insured in case of emergency health complicati...

Unique Features

  • 11X Multiplier Benefit
  • 4X Multiplier Benefit
  • Emergency Domestic Evacuation

Royal Sundaram Multiplier Health Plan (Pros)

Royal Sundaram Multiplier Health Plan
  • No claim bonus
  • Modern Treatments
  • AYUSH Treatment

Royal Sundaram Multiplier Health Plan (Cons)

Royal Sundaram Multiplier Health Plan
  • Illegal activities
  • alcoholism
  • obesity and weight management

Royal Sundaram Multiplier Health Plan (Other Benefits)

Royal Sundaram Multiplier Health Plan
  • Flexi Reload Benefit
  • Health and Wellness Benefit
  • Ambulance Cover

Royal Sundaram Multiplier Health Plan (Eligibility Criteria)

Royal Sundaram Multiplier Health Plan
  • Min Entry Age: 18 Years
  • Max Entry Age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 25 L

Individual

The Surrogacy (Regulation) Act, 2021 by the government of India has come into effect saying that, if any couple is in search of a surrogate mother, th...

Unique Features

  • Cover for Surrogacy
  • Oocyte Donor Cover
  • Daycare Procedures

Royal Sundaram Surrosafe Plan (Pros)

Royal Sundaram Surrosafe Plan
  • Covers surrogate mothers
  • Covers oocyte donors
  • Ambulance cover

Royal Sundaram Surrosafe Plan (Cons)

Royal Sundaram Surrosafe Plan
  • Illegal activites
  • adventure sports
  • self-harm

Royal Sundaram Surrosafe Plan (Other Benefits)

Royal Sundaram Surrosafe Plan
  • Inpatient hospitalization
  • Room rent cover
  • Daycare Procedures

Royal Sundaram Surrosafe Plan (Eligibility Criteria)

Royal Sundaram Surrosafe Plan
  • Min entry age: 18 Years; Max entry age: 35 Years
  • Sum Insured: Up to 5 L

Individual and Family Health Insurance

Give your life a new direction with the Royal Sundaram Family Plus plan if you are planning a family or want to protect your extended family. It's obv...

Unique Features

  • Emergency domestic evacuation
  • Maternity cover benefits
  • Health & wellness benefits

Royal Sundaram Family Plus Plan (Pros)

Royal Sundaram Family Plus Plan
  • Ambulance Cover
  • Re-load of Sum Insured
  • Second Opinion for 11 specied Critical iIIness

Royal Sundaram Family Plus Plan (Cons)

Royal Sundaram Family Plus Plan
  • Investigation & Evaluation
  • Obesity/ Weight Control
  • Alcoholism

Royal Sundaram Family Plus Plan (Other Benefits)

Royal Sundaram Family Plus Plan
  • Maternity cover
  • Health and wellness
  • Nutritional allowance

Royal Sundaram Family Plus Plan (Eligibility Criteria)

Royal Sundaram Family Plus Plan
  • Min entry age: 18 Years
  • Max entry age: No upper limit
  • Sum Insured: Up to 50 L
  • Initial waiting period: 30 Days

Top Up and Super Top Up

GET MUCH MORE for less! Royal Sundaram Advanced is a top-up plan that provides you with health coverage beyond the base health policy. It helps you ke...

Unique Features

  • Home care treatment
  • Life protect benefits
  • 2nd opinion for 22 critical illnesses

Royal Sundaram Advanced Top-Up Plan (Pros)

Royal Sundaram Advanced Top-Up Plan
  • Life protect benefit
  • PEDs waiting period reduction
  • Modern treatment
  • No cost SI restore
  • Home care treatment

Royal Sundaram Advanced Top-Up Plan (Cons)

Royal Sundaram Advanced Top-Up Plan
  • Obesity control
  • No change-of-gender
  • Cosmetic/plastic surgery
  • Hazardous/adventure sports
  • Breach of law

Royal Sundaram Advanced Top-Up Plan (Other Benefits)

Royal Sundaram Advanced Top-Up Plan
  • AYUSH cover
  • Critical illness 2nd opinion
  • Daycare treatment
  • Organ donor expenses
  • In-patient hospitalization

Royal Sundaram Advanced Top-Up Plan (Eligibility Criteria)

Royal Sundaram Advanced Top-Up Plan
  • Child Entry Age - 91 days - 25 years
  • Adult Entry Age- 18 - 65 years
  • SI - INR 10 - 95 Lakhs
  • Waiting Period - 30 days

Individual and Family Health Insurance

Royal Sundaram Lifeline Elite Plan is the only health insurance that you need now! Why? Let's understand this with an example. Rahul and Aditya went o...

Unique Features

  • 11 specified critical illnesses cover
  • Worldwide emergency hospitalization
  • Maternity & newborn covers

Royal Sundaram Lifeline Elite Plan (Pros)

Royal Sundaram Lifeline Elite Plan
  • Cancer of specified severity
  • Heart attack
  • Kidney failure

Royal Sundaram Lifeline Elite Plan (Cons)

Royal Sundaram Lifeline Elite Plan
  • Illegal activites
  • Alcoholism
  • Obesity

Royal Sundaram Lifeline Elite Plan (Other Benefits)

Royal Sundaram Lifeline Elite Plan
  • Emergency domestic evacuation
  • Worldwide cover
  • Tax benefits

Royal Sundaram Lifeline Elite Plan (Eligibility Criteria)

Royal Sundaram Lifeline Elite Plan
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1.5 Cr

Individual and Family Health Insurance

Lifeline Health Insurance by Royal Sundaram is a comprehensive health insurance plan that looks after your day-to-day healthcare needs. Along with in-...

Unique Features

  • Plan benefits
  • Types of plans offered
  • Plan features & buying process

Lifeline Health Insurance Plan (Pros)

Lifeline Health Insurance Plan
  • Domiciliary Hospitalization
  • Worldwide Emergency Hospitalization
  • International Treatment Abroad

Lifeline Health Insurance Plan (Cons)

Lifeline Health Insurance Plan
  • Illegal Activities
  • Adventure Sports
  • Alcoholism

Lifeline Health Insurance Plan (Other Benefits)

Lifeline Health Insurance Plan
  • Preventive health care and wellness
  • Reload of Sum Insured
  • OPD Cover

Lifeline Health Insurance Plan (Eligibility Criteria)

Lifeline Health Insurance Plan
  • Min Entry Age 18 Years
  • Max Entry Age No limit
  • Initial Waiting Period 30 Days
  • Sum Insured Up to 1.5 Cr

Royal Sundaram Lifeline Elite: FAQs

1. What are the eligibility criteria for buying the Lifeline Elite plan?

Individuals whose age is between 18 to 65 years are eligible to buy this policy.

2. What are the sum insured options under this plan?

The sum insured options with the Royal Sundaram Lifeline Elite plan are 25 L, 30 L, 50 L, 1 Cr, 1.5 Cr.

3. Can I claim my Lifeline Elite Royal Sundaram policy for pre-existing conditions?

Yes, you can avail of the PED’s cover after a waiting period of 24 months.

4. What are the maternity benefits under the Royal Sundaram Lifeline Elite policy?

The insured individuals (husband and wife must be covered under the same family floater policy) can avail of the maternity benefits for the medical expenses of upto 2 deliveries.

5. Is vaccination covered under the plan?

Yes, animal bite vaccinations and vaccinations related to newborn babies are covered under the policy.

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Simran Nirala

Written By: Simran Nirala

Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.