Royal Sundaram Lifeline Supreme Plan: Benefits and Coverage
Buy Now
Summarize with
ChatGPT Claude Perplexity
Royal Sundaram Health Insurance Royal Sundaram Health Insurance ★ 4.4

Royal Sundaram Lifeline Supreme

Lifeline Supreme by Royal Sundaram offers a wide range of sum insured ...Read More

Up to 1.5 Cr
Sum insured
1
No. of plans
160+
Pan India presence
96.17%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,703 reviews
🏥 10,000+ hospitals
📊 2.20 solvency ratio
✅ 96.17% claim settlement

About Royal Sundaram Lifeline Supreme

A quick read on what this Royal Sundaram Health Insurance plan covers and why it might be a fit for you.

Royal Sundaram Lifeline Supreme Health Plan offers comprehensive coverage with a wide range of benefits such as:

  • Annual health check-ups
  • Preventive health care and disease management
  • Second medical opinion for 11 critical illnesses
  • No room rent capping
  • Up to 100% no-claim bonus
  • EMI options, and more.

There are various sum insured options ranging from 5 Lakh to 1 Crore.

Royal Sundaram Lifeline Supreme is available on an individual and family floater basis. If you are looking for an overall health insurance plan covering you and your family, read the details below to understand how Royal Sundaram Lifeline Supreme is an ideal health plan.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 Years to No Limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹7 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L, ₹1 L
Waiting period
30 days
Renewability
Lifetime
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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Re-load of sum insured
  • Health check-up
  • App-based cabs

Cons

  • Illegal activities
  • Alcoholism
  • Self-inflicted harm

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Royal Sundaram Lifeline Supreme Benefits

Royal Sundaram Lifeline Supreme offers several advantages for insured individuals, including:

  • Health & Wellness Benefits

    Includes in-built health and wellness benefits like complete health check-ups every policy year, preventive healthcare, second opinion for critical illnesses, and emergency domestic evacuation.

  • Optional Benefits

    Offers optional benefits such as app-based cab cover for Ola/Uber, a refresh of Sum Insured for the same illness once in a lifetime, mobility devices cover (wheelchairs, crutches, etc.), and more.

  • Vaccination Expenses Cover

    Provides coverage of up to INR 5,000 for vaccination expenses in case of an animal bite.

  • No Claim Bonus

    Offers a no claim bonus starting from 20% of the sum insured up to 100% of the sum insured.

  • Organ Donor Expenses

    Covers organ donor expenses up to the sum insured.

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions not covered under the Royal Sundaram Lifeline Supreme Plan include:
  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Certain diseases and treatments are covered after a specified waiting period:
  • Listed ailments after 2 years
  • Pre-existing diseases after 36 months
  • The Royal Sundaram Lifeline Supreme plan is a comprehensive health insurance plan with multiple features and benefits for individuals and families.
  • With a sum insured option of up to 1 Crore, you are assured of the best healthcare facilities. The plan provides access to treatments in over 9000 network hospitals along with top-notch medical facilities.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min Entry Age: 18 Years
  • Max Entry Age: No limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: 1 Crore

Other features & benefits

  • Annual Health Check-up
  • Emergency Evacuation
  • Second Opinion

Royal Sundaram Lifeline Supreme Health Plan: FAQs

The 5 most-asked questions about Royal Sundaram Lifeline Supreme, answered.

To purchase the Royal Sundaram Lifeline Supreme Plan customer must have 18 years of age as the minimum entry age, there is no upper limit for entry age. Dependent children can be covered from 90 days up to 25 years.
The sum insured options available under the Royal Sundaram Lifeline Supreme Plan are 5 L/ 10 L/ 15 L/ 20 L/ 25 L/ 50 L/ 1 Crore.
No, Royal Sundaram Lifeline Supreme does not provide maternity and newborn baby cover.
Yes, all premiums paid towards the Royal Sundaram Lifeline Supreme plan are eligible for tax benefits according to the Income Tax Act of India.
Daily Hospital cash up to INR 2,000 per day and Top Up plans up to INR 1 crore are available as optional coverage under Royal Sundaram Lifeline Supreme.

Explore Royal Sundaram Health Insurance

Health Insurance Articles

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.

Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 9 Oct 2023 · Originally published: 17 Oct 2024

Compare Health Insurance Plans

Select a company and plan for each side to see a detailed side-by-side comparison.

Other Health Insurance Companies

Star Health Insurance HDFC Ergo Health Care Health Insurance Aditya Birla Health ICICI Lombard Health Bajaj Allianz Health Tata AIG Health SBI Health Insurance

Share your Valuable Feedback

Rating Icon 4.4

Rated by 2,684 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings

Do you have any thoughts you'd like to share?

📞 Call Free