Royal Sundaram Lifeline Supreme Plan: Benefits and Coverage
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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
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,703 reviews
🏥 10,000+ hospitals
📊 2.20 solvency ratio
✅ 96.17% claim settlement

Lifeline Supreme by Royal Sundaram offers a wide range of sum insured options up to INR 1 Crore, along with numerous features for family and individual coverage.

Why Do We Recommend This?
  • Avail emergency evacuation
  • App-based cabs available
  • Second opinion for critical illnesses

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

A quick look at what this plan covers — and what it doesn't.

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

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

Frequently Asked Questions

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.

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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: 1 Jun 2026 · Originally published: 17 Oct 2024

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