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Lifeline Individual
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Lifeline is a holistic indemnity plan from Royal Sundaram that covers the health insurance needs of you and your family.


  • 100% Reload of Sum Insured at no extra Cost.
  • All Day Care Procedures are covered.
  • International Treatment abroad for specified 11 critical illnesses.
  • Maternity cover for up to 2 deliveries.
  • There is no restriction on maximum entry age.
  • Tax rebate available as per provision of Income Tax Rules under section 80-D.
  • Life long policy renewal is available.
  • Emergency Domestic Evacuation Benefit (Bed To Bed on Advise of Treating Doctor) upto Rs.3 Lacs.
Title Description
Ambulance Expenses Coveres reasonable charges for ambulance expenses (by surface transport only)
Automatic Restoration of Sum Insured 100% reload of SI in case base sum insured and No Claim Bonus has been partially or completely exhausted
Co-Payment All claims of International Treatment for specified Critical Illness will be subject to 20% Co-payment
Daily Hospitalization Allowance Hospital Cash is provided if the Insured Person should have been Hospitalized for a minimum period of 48 hours continuously
Day Care Procedure Coverage Covered
Donor Expenses Covers Organ Donor Expenses: Medical Expenses for an organ donor’s treatment for harvesting of the organ.
Free Health Checkup For Classic- Health Check-up is available once in 2 years. For Supreme and Elite- health check-up is available every year
ICU Daily Rent Limit Covered
Medical Screening Required above the age of 18 years
Minimum Hospitalization Period 24 hours
New Born Baby Cover New born baby will be covered as an insured person from birth (for the policy year in which the baby is born), if the Maternity Benefits claim has been accepted. This benefit is subject to 25% of Sum Insured
No Claim Bonus Classic – 10% of base SI,max of 50% of base SI; Supreme & Elite - 20% of base SI max 100% of base SI
Non-Allopathic Treatments Covered if treatment undergone in reconised hospital
Post Hospitalization Expenses 60 days for Classic, 90 days for Supreme & 180 days for Elite Plan
Pre-Existing Disease / Illness coverage Covered after - Classic – After 48 months |Supreme –After 36 months| Elite – After 24 months
Pre-Hospitalization Expenses 30 days for Classic Plan and 60 days for Supreme & Elite
Room Rent Limit Covered
Waiting Period for New Policy 30 days