Royal Sundaram
LifeLine Health Insurance

Royal Sundaram’s LifeLine Plan Your Companion Through Thick & Thin

You can never tell when a health emergency will spring up on you, but you can always be prepared for it financially. Royal Sundaram’s LifeLine Health Insurance Plan takes care of medical expenses at every stage of your life.

Wide Range of Sum Insured

Wide Range of Sum Insured

The plan accommodates budgets across the spectrum, ranging from Rs. 2 lakhs to Rs. 1.5 crores.

No Capping on Quality Treatment

No Capping on Quality Treatment

Access the best in class healthcare facilities with NO capping on room rent, disease-specific sub-limits, etc.

No Upper Age Limit

No Upper Age Limit

You’re never too old for enrolling into this policy.

Accelerated No Claim Bonus

Accelerated No Claim Bonus

This helps in doubling your Sum Insured in 5 claim free years (Supreme & Elite). In Classic, your sum insured will increase by 50%.

Maternity Benefit

Maternity Benefit

Maternity Benefit including cover for the new-born baby, and vaccination in the Elite plan.

Inclusive Plan

Inclusive Plan

This plan includes not just allopathic treatment, but also ayurvedic and homoeopathic treatments in case of hospitalisation.

OPD Treatment Expenses Covered

OPD Treatment Expenses Covered

The Elite Plan even covers expenses incurred by doctor’s consultation, medicines, diagnostic tests etc.

Coverage for International Treatment

Coverage for International Treatment

Wherever you go, the plan goes with you. The plan provides coverage for overseas treatment of 11 specified illnesses including return airfare of up to Rs. 3 Lakhs. The base cover is exclusive of US and Canada, but can be opted for at the inception of first policy in the Elite Plan.

A Plan That Works For You

Royal Sundaram’s LifeLine Health Insurance Plan works with you and for you. It’s your loyal companion through every phase of life.

Baseline cover includes a:

  • 48-month waiting period for Classic, 36-month waiting period for Supreme, and 24-month waiting period for Elite, for pre-existing conditions
  • 2-year waiting period for seventeen specific diseases/conditions
  • 30-day initial waiting period from inception
  • 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
  • Zone 2 is priced 15% lower than Zone 1

Disease-Specific Loading

You have the freedom to load your plan specifically for diabetes, hypertension and heart conditions.

Reload of Sum Insured

Reinstate sum insured up to base sum insured. Applicable for different illnesses.

AYUSH Treatment Covered

The plan offers cover up to Sum Insured in government hospitals and up to Rs. 20,000 in other hospitals under Classic. Whereas it covers up to Rs. 30,000 under Supreme and up to Rs. 50,000 under Elite.

Vaccination Coverage

In case of an animal bite, avail OPD benefit up to:
Rs. 2500 under Classic
Rs. 5000 under Supreme
Rs. 7500 under Elite

Critical Illnesses 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 Neurone Disease & Multiple Sclerosis. 20% co-payment applies for treatment.

Free Knowledge Resources

Access expert insights via various health related articles on our website, access to preferred health maintenance network, among others.

Second Opinion on Critical Illnesses

The plan covers (under Supreme and Elite), second opinion for the following illnesses: 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 Neurone Disease & Multiple Sclerosis.

Medical Practitioner Consultation

Under the Elite Plan, you can avail coverage on consultation, medical and diagnostic tests. Dental, contact lenses, spectacles and hearing aids are covered once in 2 years with a sublimit of 30% of Sumer Insured.

Maternity Benefit

Enjoy coverage for up to 2 deliveries, if both husband and wife are covered under the same plan (applicable for Elite plan only).

Family Floater Policy

Cover family members, new-born baby and new-born baby’s vaccination (only under Elite plan). A 36-month waiting period applies to maternity benefit. Vaccinations would be covered (under Elite plan only) till the next policy anniversary after which the new born baby has to be included in the policy for the coverage to continue.

Hospital Cash Benefit

Take care of miscellaneous expenses incurred during hospitalization.

Who Can Apply for the LifeLine Plan?

Plan Parameters Minimum Maximum
Age at Entry CHILDREN: The minimum entry age under this policy is 91 days
ADULT: Minimum entry age is 18 years
CHILDREN: The maximum is 25 years 
ADULT: There is no limit on maximum entry age in this policy
Premium (Rs.) The Premium charged on the Policy will depend on the Sum Insured, Policy Tenure, Age, Policy Type, Zone of Cover and Optional Covers opted. Additionally the health status of the individual will also be considered and premium might be loaded depending on the health condition
Premium Payment Mode Annual

Want to Apply?


Lifeline health insurance policy is an IRDAI approved product with UIN IRDAI/HLT/RSAI/P-H/V.II/32/15-16, which is underwritten and serviced by Royal Sundaram General Insurance Co. Limited. This brochure is not a contract of Insurance. Please refer policy document for exact terms and conditions and specific details applicable to this Insurance. Your participation in this insurance product is purely on a voluntary basis. We advise you to take your own professional advice before you participate.


DBS Bank India Limited (IRDA of India Registration Number: CA 0257) having the registered office at GF: Nos. 11 & 12, Capitol Point BKS Marg, Connaught Place, Delhi - 110001 is the Corporate Agent of Royal Sundaram General Insurance Company Limited (IRDA of India Regn.No.102) CIN: U67200TN2000PLC045611 having the Registered office address at No.21, Patullos Road, Chennai - 600002. DBS Bank India Limited (Bank) does not underwrite the risk or act as an insurer. The Health Insurance Plan ‘Lifeline’ by Royal Sundaram with UIN: IRDAI/HLT/RSAI/P-H/V.II/32/15-16 is underwritten by Royal Sundaram General Insurance Company Limited. The contract of insurance is between the insurer and the insured and not between the Bank and the insured. Bank does not give any warranty, as to the accuracy and completeness of the policies. Bank does not accept any liability or losses attributable to your contract of Insurance. Participation by the Bank’s customers in the insurance products is purely on a voluntary basis and is not linked to availment of any other facility from the bank. ISNP registration valid.

The contents and product information of this web site are given strictly for your convenience and is indicative in nature and ‘as is’ received from the Insurer. Nothing contained herein is to be construed as advice, recommendation, offer for a policy or any other assistance. Bank does not guarantee that this website reflects latest amendments/ information at all times or at any time. Bank shall have no liability to the customer for any loss or damage of any kind incurred for reliance on the content and product information available on this website.

For more details on risk factors, terms and conditions, exclusions, please read sales brochure of insurer and policy terms and conditions carefully before concluding a sale. Tax benefits are available as per the prevailing tax laws, which are subject to change.

Contact our 24-hour toll free customer service helpline number 1-800-209-4555 / 1-860-267-1234 or our overseas customer service number 91-44-66854555 or write to us at [email protected]. Visit us at: