Finally a health insurance cover that works for you
Finally a health insurance cover that works for you

Life style choices can make a difference in your health. Each stage of life brings different health challenges and health care needs. Lifeline is a health insurance policy which works for you as you want. This product is brought to you by Citibank through Royal Sundaram General Insurance Co. Limited.

Lifeline Health insurance plan comes in variants like Classic, Supreme and Elite, offering benefits as per your needs. It is available as an individual health Insurance as well as a family floater plan.

Health Forever Insurance

Health Forever Insurance

Health Forever Insurance is a comprehensive Healthcare Insurance package brought to you by Citibank through Royal Sundaram General Insurance Company.

This plan offers additional benefits compared to a standard Mediclaim policy and requires no medical examination for up to 60 years of age to apply. It provides comfort of lifelong renewal.


Top reasons to apply for Lifeline

  • Lifeline comes with exhaustive sum insured ranging from INR 2 lacs to INR 1.5Cr
  • Cashless Hospitalization benefits with 3,000+ network hospitals
  • No entry age restrictions with options for 1,2 and 3 year tenure policies
  • Coverage for hospital treatments including Ayurveda and Homeopathy
  • International treatment for specified Critical Illnesses available with Lifeline Elite
  • Other benefits such as Re-load benefit, Organ donor expenses coverage and more
Features and Benefits

The Lifeline plan pays for room charges, nursing charges, ICU charges, doctor's/surgeon fee, anesthesia, blood, oxygen, operation theatre charges, etc. without any capping.

Sometimes procedures like Diagnostic Test, Medication, etc. that finally lead you to hospital can have a huge impact on your pocket. Lifeline covers these medical expenses incurred by you before hospitalization. Similarly, there may be expenses like follow up visit to the doctor, medication, further investigative test, etc. Lifeline covers these expenses incurred by you after hospitalization up to sum insured.

Lifeline covers all day care procedures (like Dialysis, Chemotherapy, etc) if you undergo a day care treatment at a hospital or day care centre that requires hospitalization of less than 24 hours.

The Lifeline plan covers Organ Donor Expenses. It reimburses the medical expenses incurred by an organ donor while undergoing the organ transplant.

If you ever exhaust your health cover due to claims in a given year and there is a further claim either by you for a different illness or your insured family member, Royal Sundaram will reload the entire sum insured of the policy at no extra cost.

If due to your health condition you cannot be moved to a hospital or a bed is not available in the hospital, Royal Sundaram will reimburse the medical expenses incurred for treatment taken at home as long as it involves medical treatment for a period exceeding 3 days.

Royal Sundaram will cover the expense incurred on an ambulance for transferring you to the nearest hospital subject to acceptance of the hospitalization claim.

If you do not make any claim in a given policy year, the sum insured is increased by 20% (in case of Supreme & Elite) upto a maximum of 100% of sum insured and 10% (in case of Classic) upto a maximum of 50% of sum insured. As a loyalty benefit, there is no reduction of No Claim Bonus in case of a claim in any particular year.

Royal Sundaram provides a free health check-up which is a report card of your health. You are eligible for health check-up irrespective of your claim history. For Supreme & Elite, Royal Sundaram provides health check-up every year whereas for Classic, it is offered once in 2 years.

You can use the various services like Diagnostic test, OPD consultation, Pharmacy, Membership of Gym, etc. across given network at a discounted rate. You can read various health & wellness related articles published regularly on this portal. You can also consult a doctor through email for any health related issues.

Lifeline covers the medical expenses incurred for an inpatient care claim for taking treatment under ayurveda/homeopathy in a Government Hospital or in any institute recognized by government and/or accredited by Quality Council of India/National Accreditation Board on Health.

With Lifeline you can also claim medical expenses incurred on vaccination in case of animal bites like dog, honey bee, monkey, etc.

In case one is suffering from any of the specified 11 critical illnesses mentioned in the policy and feel uncertain about your diagnosis or wish to get a second opinion of an expert/doctor, Royal Sundaram can arrange for a second opinion without additional costs.

If you are stuck in an emergency due to accident or illness in India, with Lifeline, Royal Sundaram will assist to transport you safely from one hospital to another hospital to provide a suitable medical treatment.

Lifeline can cover medical expenses incurred (deductible of $1000) for any Emergency Hospitalization while you are abroad during business/leisure trip. So you need not worry about such expenses while you are away from your home and family. The base rate is covers all countries excluding US and Canada. However, you have an option to include US and Canada by paying additional premium.

If you want to get the treatment for 11 specified Critical Illness in any country of your choice, With Lifeline, Royal Sundaram can cover the medical expense (co-payment applicable) provided that such hospitalization has been pre-approved by Royal Sundaram. Please note that it is a cashless benefit, no reimbursement claims will be paid. Lifeline also covers for a return airfare up to Rs.3 lacs for insured person to be treated. The base rate covers all countries excluding US and Canada. However, you have an option to include US and Canada by paying additional premium. Please note that the Liability in first policy year is limited to 50% of Sum Insured and 100% from subsequent years.

Cover for medical expenses incurred for the delivery of baby or expenses related to medically recommended termination of pregnancy. Lifeline covers the new born baby till the next renewal of the policy as well as expenses incurred in first year on vaccination for new born baby. A 36 month waiting period applies to maternity benefit. Please note that both husband and wife should be covered under the same lifeline policy to avail this benefit.

Lifeline covers expenses incurred on Out Patient basis for doctor consultation, medicines as and Diagnostic Test as prescribed by a doctor upto a maximum of Rs.10,000. There is coverage available for Dental OPD, cost of spectacles, contact lenses, hearing aid (Once in 2 years with a sublimit of 30% of OPD sum insured).

You will be given a 7.5% and 12% tenure discount when you opt for a 2 & 3 year policy respectively.

You can avail of tax exemption up to Rs.55,000 Under Sec 80D on the premium paid by you towards Life Line Health Insurance. Premium paid on behalf of yourself, your spouse, your dependent children is exempt up to Rs.25,000. Premium paid on behalf of your dependent parents is exempt up to an additional Rs.25,000 and if dependent parents are senior citizens the benefit is extended up to Rs.30,000. This is as per the current tax laws and is subject to change as per amendments made from time to time.

#The above exemption is as per the Income Tax Act 1961 and is subject to change as per amendments made from time to time.

Following benefits can be availed with additional premium

  • Hospital Cash -There are many out of pocket expenses like Cab charges, Attendant Food expenses, etc. which are not covered under the normal Hospitalization policies. Hospital Cash pays a lump sum amount to cater to these miscellaneous expenses. We will pay for upto 30 days of hospitalization in a policy year if the stay of hospitalization is more than 2 days.
  • Include US and Canada for Worldwide Emergency Hospitalization and International Treatment for 11 specified Critical Illnesses. You can opt to include US and Canada for Worldwide Emergency Hospitalization and International Treatment for 11 specified Critical Illness. This benefit can be opted at the inception of first policy with us.
  • Top Up Plan on Annual Aggregate Basis - Life Line provides a unique facility to be taken as a Top Up policy. If you are currently covered under another existing health insurance policy or have a group health cover provided by your employer, then Lifeline can be taken as a Top Up option to help you in the event of a large claim, which exceeds your existing Sum Insured limit.
  • This plan at inception has a free look period of 15 days from the date of receipt of policy. On review of the policy Terms and conditions if you are not satisfied with this plan, you can cancel your plan within the 15 days free look period. You shall be eligible for a refund of premium, after deducting applicable risk premium, less the cost of medical examination incurred by the Company and stamp duty charges, where applicable, provided your intimation of cancellation reaches Royal Sundaram within the free look period. Your policy documents will reach you within 15 days from the date of debit of your card / account.
  • In case you cancel your coverage after the free look period, refund of premium shall be as per the short period rates mentioned in the policy.

Should you wish to cancel your Life Line health insurance coverage you can contact Royal Sundaram General Insurance Co. Limited, through the contact details mentioned in the product brochure.

Eligibility Criteria
  1. Citibank customers and their family members
  2. Entry age –
    • Child (Dependent) – 91 days to 25 years
    • Adult – 18 years; No maximum age limit
  3. Medical underwriting will be triggered basis the below criteria
    • Age greater than 50 years
    • Sum Insured greater than INR 20 lacs
    • Response to the medical & lifestyle questionnaire
    • Portability
    • Body Mass Index (BMI)
  4. No max age limit for renewals
Plan Variants


SI – 2,3,4 lacs

  • Inpatient
  • All Day Care Procedures
  • Pre & Post Hospitalization
  • Organ Donor Expenses
  • Domiciliary Treatment
  • Emergency Ambulance
  • Re-load of Sum Assured
  • Ayush treatment
  • No Claim Bonus
  • Health check-up (once in 2 years)
  • Vaccination for Animal Bite
  • Health & Wellness
  • PED – 4 years waiting


SI – 5,10,15,20,50 lacs

  • Classic

  • 2nd Opinion for CI
  • Emergency Domestic Evacuation
  • PED – 3 years waiting
  • 10% Higher NCB
  • Annual Health Check up


SI – 25,30,50,100,150 lacs

  • Supreme

  • International Treatment for 11 Critical Illnesses
  • Worldwide Emergency Hospitalization
  • PED – 2 Years waiting
  • Maternity Benefit
  • OPD Benefit

Lifeline - Customer Level Options

Top up plan on annual deductible basis

Hospital cash

Top up plan on annual deductible basis

Hospital cash

Hospital cash

US/Canada option for worldwide emergency hospitalization & international treatment for 11CI

IRDAI Advertisement No: RSAHLIP21054V022021


Good Health Group Mediclaim Policy - IRDA/NL-HLT/NIA/P-H/V.I/342/13-14

Group Health Policy - UIN - IRDAI/NLHLT/RSAI/P-H/V.I/184/13-14

Health Forever - UIN-IRDAI/NL-HLT/RSAI/P-H/V.II/211/13-14

Lifeline - UIN-IRDAI/HLT/RSAI/P-H/V.II/32/15-16

Top-up - UIN-IRDAI/NL-HLT/RSAI/P-H/V.I/209/13-14

Smart Cash - UIN-IRDAI/HLT/RSAI/P-H/V.II/181/14-15

Personal Accident Care Platinum - UIN-IRDAI/NL-HLT/RSAI/P-P/V.I/187/13-14

Individual Personal Accident Insurance - UIN-IRDA/NL-HLT/RSAI/P-H/V.I/215/13-14

Apollo Munich Health Plan UIN: IRDA/NL-HLT /AMHI/P-H/V.1/15/13-14

Group Personal Accident Insurance UIN: IRDA/NL-HLT /AMHI/P-P/V.1/109/13-14

Optima Restore UIN - IRDAI/HLT/AMHI/P-H/V.III/1/2016-17

Insurance products are obligations only of the Insurance company. They are not bank deposits or obligations of or guaranteed by Citibank N.A, Citigroup Inc or any of its affiliates or subsidiaries or any Governmental agency. All claims under the policy will be solely decided upon by the Insurance Company. Citibank, Citigroup or any of their affiliates and group entities hold no warranty and do not make any representation about the insurance, the quality of claims processing and shall not be responsible for claims, recovery of claims, or for processing of or clearing of claims, in any manner whatsoever. This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation. Investment products are not available to US persons and may not be available in all jurisdictions.

The information provided on this website does not constitute the marketing of any products or services to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey and Jersey. The content on this website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

Participation by the bank's customers in an insurance product is purely on a voluntary basis.

*IRS Circular 230 Disclosure: Citigroup, Inc., its affiliates, and its employees are not in the business of providing tax or legal advice to any taxpayer outside of Citigroup, Inc. and its affiliates. This document is not intended or written to be used, and cannot be used or relied upon, by any such taxpayer for the purpose of avoiding tax penalties. Tax benefits are subject to changes in the tax laws. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

Citibank N.A. is a registered Corporate Agent of Tata AIA Life Insurance Company Limited, New India Assurance Company Limited, Royal Sundaram General Insurance Company Limited, Aditya Birla Health Insurance Company Limited, Bajaj Allianz General Insurance Company Limited and HDFC Ergo Health Insurance Limited under the composite license number CA0086 issued by IRDAI.

Life Insurance Policies: These policies are underwritten by Tata AIA Life Insurance Co. Limited (IRDAI Registration No. 110)
CIN: U66010MH2000PLC128403 with its registered office at 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg,
Lower Parel, Mumbai 400013.

All guaranteed benefits are payable only when all premiums are paid when due.

Investment risk in the investment portfolio is borne by the Policy Holder. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associate with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market and the insured is responsible for his or her decision. Tata AIA Life is only the name of the Insurance Company and the funds offered are only the names of the funds and does not in any way indicate the quality of the contract, its future prospects or returns.

Non-life Insurance Policies: Policies are underwritten by New India Assurance Company Limited (IRDAI Registration No. 190) CIN: U99999MH1919GOI000526 with its registered office at No.87, Mahatma Gandhi Road, Fort, Mumbai – 400 001, by Royal Sundaram General Insurance Company Limited (IRDAI Registration No. 102) CIN:U67200TN2000PLC045611 with its registered office at No. 21, Patullos Road, Chennai 600 002 or by Bajaj Allianz General Insurance Company Limited (IRDAI Registration No. 113) CIN: U66010PN2000PLC015329 with its registered office at Bajaj Allianz House, Airport Road, Yerawada, Pune 411 006.

Specialist Health Insurance Policies: These policies are underwritten by Aditya Birla Health Insurance Co. Limited (IRDAI Registration No. 153) CIN: U66000MH2015PLC263677 with its registered office at 9th Floor, One World Centre, Tower 1, Jupiter Mills Compound, S.B. Marg, Elphinstone Road, Mumbai 400 013 or by HDFC ERGO General Insurance Company Ltd (IRDAI Registration No. 146) CIN: U66030MH2007PLC177117 with its registered office at 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020

For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding the sale.

For any queries with respect to your Insurance Policies bought through Citibank N.A., kindly contact 24 x 7 CitiPhone, The updated numbers are available on

  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 a Policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectus or tables of the Insurer.
  2. Any person making default in complying with the provisions of this section shall be liable for penalty which may extend to
    ten lakh rupees.