Lifeline

Health Insurance Plans > Supreme

Health Insurance
that works for you
Call 1860 425 0000
royalsundaram.in

LIFELINE PRODUCT BENEFITS

BASELINE
COVER(1) (2)

BENEFITS

Sum Insured (SI) INR

5 lacs | 10 lacs | 15 lacs | 20 lacs | 50 lacs

Inpatient Care

Covered up to Sum Insured

Pre And Post Hospitalisation Expenses

60/90 days, Covered upto Sum Insured

All Day Care Procedures

Covered up to Sum Insured

Ambulance Cover

Up to INR 5,000

Organ Donor Expenses

Covered up to Sum Insured

Domiciliary Hospitalisation

Covered up to Sum Insured

(3)

20% of Base Sum Insured up to a max of 100%

No-Claim Bonus
Re-load of Sum Insured

ADDED
BENEFITS

Up to Base Sum Insured

(4)

Emergency Domestic Evacuation (Bed To

Bed on Advise of Treating Doctor)

Covered up to INR 100,000

Ayush Treatment (5)

Government Hospitals - Covered upto Sum Insured.

Other Hospitals - Covered upto Rs.30,000

Vaccination in case of Animal Bite (6)

HEALTH &
WELLNESS

LIFELINE
HEALTH INSURANCE PLANS > SUPREME

Annual

Health Check-up
Preventive Healthcare & Wellness

Upto INR 5,000

(7)

Second Opinion for 11 specified Critical

Illness (8)
CUSTOMER Top-Up Plan On Annual Aggregate Basis
LEVEL
OPTIONS
Hospital Cash (For 30 Days in case of
Hospitalisation Beyond 2 Days)

Available
Available Once During The Policy Year

Deductible of INR. 1 lac, 2 lac.,3 lac., 4 lac., 5 lac. and

10 lacs
INR. 2,000 per day

KEY
(1) Baseline cover includes
1. 36 month waiting period for pre-existing conditions.
2. 2 year waiting period for specific 17 diseases/conditions.
3. 30 day Initial waiting period from inception. 90 days Initial Waiting Period for Critical Illness.
4. Entry age for Adults is 18 years onwards and from 91 days to 25 years for children. New born
children can be added to existing policies at renewal.
5. Zone 2 is priced 15% lower than Zone 1 (For eg, if Zone 1 is priced as Rs.100, then Zone 2 will be
priced at Rs.85).
(2) Disease specific loading for Diabetes, Hypertension & Heart Conditions.
(3) If due to your health condition you cannot be moved to a hospital or a bed is not available in
hospital, we will reimburse the medical expenses incurred for treatment taken at home as long as it
involved medical treatment for a period exceeding 3 days.
(4) Re-load of Sum Insured - Reinstate sum insured up to base sum insured. Applicable for
different illnesses.

(5) AYUSH Treatment - Inpatient Treatment taken up in authorised Government Hospitals.

(6) Vaccination for Animal Bite (Post Bite Treatment) - OPD Benefit up to defined limit as part of
overall limit.
(7) Preventive Healthcare & Wellness Benefit to offer various health related articles on our website,
access to preferred health maintenance network, etc.
(8) 2nd Opinion for following critical illnesses are covered: Cancer, First Heart Attack, Open Chest
CABG, Open Heart Replacement or Repair of Heart Valves, Coma, Kidney Failure, Stroke, Major
Organ/Bone Marrow Transplant, Permanent paralysis of Limbs, Motor Neuron Disease &
Multiple Sclerosis.
Note: Policy offers both individual and family floater cover options with defined relationships allowed
for Husband, Wife & Dependent Children.
Maximum Family Combination Allowed: 2 Adults + 4 Children.

Key features
Inpatient Care Hospitalisation for at least
24 Hours
Coverage for room charges, nursing charges,
ICU charges, Doctors or Surgeons fee,
Anaesthesia,

Blood,

Oxygen,

Operation

Theatre charges without any capping on

Ambulance Cover
Once your hospitalisation claim has been
approved, we will also cover the expense
incurred on the ambulance service offered
either by the hospital or an ambulance
service provider while transferring you to the

these charges.

nearest hospital.

Pre & Post Hospitalisation Expense

Health & Wellness

Coverage for medical charges incurred by

you, before or after hospitalisation including
Diagnostic tests, Medication, follow-up visits
with the Doctor, investigative tests, etc.

Utilise our wide network of collaborations

and gain the benefits of Diagnostic Tests,
OPD

Consultations,

membership

for

Gymnasiums and wellness consultations at

substantially discounted rates.

All Day Care Procedures

Coverage for medical expenses incurred on
all day care procedures including Dialysis

Ayush Treatment
Coverage on medical expenses incurred for

and Chemotherapy.

an inpatient care claim in a hospital if you

Organ Donor Expenses

treatments.

Reimbursement
incurred

by

an

undergo any Ayurvedic or Homeopathic

for

medical

organ

donor

expenses
who

is

Vaccination in case of Animal Bite

undergoing an organ transplant for you.

Reimbursement

Reload of Sum Insured

like dog bite, honey bee, etc.

Upon exhaustion of the health cover due to

claims in a given year, if you have further
claims either for a different illness or for an
insured member of your family, we will
reload the entire sum insured on your policy

on

medical

expenses

incurred on vaccination in case of animal bite

Second Opinion for Critical Illness

If you are suffering from any of the 11 critical
illnesses and feel uncertain about your
diagnosis or wish to seek a second medical

at no extra cost.

opinion by an expert Physician or Doctor, we

Domiciliary Hospitalisation

for you.

Reimbursement of medical expenses for

treatments taken at home involving medical
treatments exceeding a period of 3 days.

will arrange the consultation, free of cost

Emergency Domestic Evacuation

insured by 20% which can be boosted upto a

In case of an emergency due to an accident

maximum of 100%. There is no decrease in

or illness in India, we will assist to transport

your no-claim bonus in case of a claim in any

you safely from one hospital to another

particular year.

hospital to provide you with a more suitable

medical treatment.

Health Check-up
You are eligible for a health check-up

No-Claim Bonus

irrespective of your claim history. Your free,

If you have not made any claims in any given

annual health check-up will also help track

policy year, we will increase your sum

and monitor your health report card.

Indias First Health Insurance Plan

to offer Domestic Evacuation

Disclaimer
Insurance is the subject matter of solicitation. Lifeline Health Insurance policy is issued by Royal Sundaram Alliance Insurance Company Limited. Claims will be settled
by Royal Sundaram Alliance Insurance Company Limited as per the terms and conditions of the policy. This brochure is not a contract of Insurance. Please refer policy
document for exact terms and conditions and specific details applicable to this Insurance. This plan is underwritten by Royal Sundaram Alliance Insurance Company
Limited. Your participation in this insurance product is purely on a voluntary basis. We advise you to take your own professional advice before you participate. Lifeline
Health Insurance product of Royal Sundaram is approved by IRDA.
Section 41 of the Insurance Act, 1938 - Prohibition of rebates
1. No person shall allow or offer to allow either directly or indirectly as an inducement to any person to take out or renew or continue an insurance in respect of any kind
of risk relating to lives or property in India any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy nor shall any
person taking out or renewing or continuing the policy accept any rebate except such rebate as may be allowed in accordance with the published prospectus or tables
of the Insurer.
2. If any person fails to comply with sub-regulation (1) above, he shall be liable to payment of a fine which may extend to Rupees five hundred.

Royal Sundaram IRDA Reg. No.102

CIN: U67200TN2000PLC045611

Call 1860 425 0000

royalsundaram.in
UI N: IRDA/NL-HLT /RSAI/ P- H / V. I/ 32/ 14- 15