Royal Sundaram Lifeline Supreme Plan: Benefits and Coverage
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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 · 2,715 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 is a one-of-a-kind health insurance plan that offers holistic coverage with a wide range of benefits such as:

  • Annual health check-ups
  • Preventive healthcare 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 for individuals, ranging from INR 5 Lakh to INR 1 Crore.

Royal Sundaram Lifeline Supreme is available on both 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 brings several advantages to the table for insured individuals. Some of them are discussed below:

  • Health & Wellness Benefits

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

  • Optional Benefits

    Royal Sundaram Lifeline Supreme offers insured individuals 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

    In case of an animal bite, Royal Sundaram Lifeline Supreme provides coverage of up to INR 5,000 to the insured individual.

  • No Claim Bonus

    Royal Sundaram Lifeline Supreme offers a no-claim bonus starting from 20% of the sum insured, up to 100% of the sum insured.

  • Organ Donor Expenses

    Insured individuals are covered for organ donor expenses up to the sum insured with the Royal Sundaram Lifeline Supreme health insurance plan.

Inclusions & exclusions

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

Exclusions

  • Permanent diseases or health conditions that are not included under the Royal Sundaram Lifeline Supreme Plan are:
  • 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 under this plan after a specific waiting period. Read the details below:
  • Listed ailments after 2 Years
  • Pre-existing diseases after 36 Months
  • The Royal Sundaram Lifeline Supreme plan is a holistic health insurance plan with multiple features and benefits for insured individuals and their families.
  • With sum insured options up to INR 1 Crore, you are ensured the best healthcare facilities. The Royal Sundaram Lifeline Supreme plan allows insured individuals to avail treatments in 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.

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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 Simran Kaur Vij — Health and Term Insurance Reviewed by Sharan Gurve — Term & Health Insurance
Last updated: 9 Oct 2023 · Originally published: 17 Oct 2024

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