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Insurance Plans Comparison

Care Supreme vs Royal Sundaram Royal Sundaram Lifeline Elite

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Care

What Makes It Special:

Care Supreme by Care Health Insurance is a comprehensive health plan designed for individuals and families, offering sum insured options from ₹3 lakh to ₹1 crore. It covers in-patient hospitalization, AYUSH treatments, day-care procedures, domiciliary care, and organ donor expenses with no sub-limits. Key highlights include the “Cumulative Bonus Super,”...

Best For:

  • Family-Focused Comprehensive Plan

  • High-Bonus Health Coverage

  • Wellness and Fitness Rewards

  • Customizable All-Round Protection

VS
Royal Sundaram

Royal Sundaram Lifeline Elite

Royal Sundaram Lifeline Elite

What Makes It Special:

Royal Sundaram Lifeline focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Care Supreme

  • You want a high bonus for claim-free years

  • Has OPD benefits which can be opted at a minimal premium

  • You prefer no sub-limits on key expenses

  • Wellness rewards and fitness discounts motivate you

  • You need add-ons like mental health coverage

Royal Sundaram Royal Sundaram Lifeline Elite

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme
Supreme

Health Insurance Plan

Brochure

Policy Wording

VS
Royal Sundaram Lifeline Elite
Royal Sundaram Lifeline Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Supreme

All room categories are covered

VS

Royal Sundaram Lifeline Elite

  1. Normal: Covered up to the sum insured.

     

  2. ICU: Covered up to the sum insured.
ICU Charges

Supreme

No restriction on ICU room rent

VS

Royal Sundaram Lifeline Elite

Not Available

Advanced Treatments

Supreme

Not Available

VS

Royal Sundaram Lifeline Elite

  1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) 
  2.  Balloon Sinuplasty 
  3. Deep Brain stimulation d. Oral chemotherapy 
  4. Immunotherapy - Monoclonal Antibody to be given as injection
  5. Intra vitreal injections 
  6. Robotic surgeries 
  7. Stereotactic radio surgeries 
  8. Bronchical Thermoplasty
  9. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
  10. IONM - (Intra Operative Neuro Monitoring) 
  11. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.
Co-payment

Supreme

Not available

VS

Royal Sundaram Lifeline Elite

No co-payment is required; the policy covers eligible medical expenses up to the sum insured without any cost-sharing by the insured.

Disease-wise sublimits

Supreme

No 

VS

Royal Sundaram Lifeline Elite

Not Available

Waiting Period

Supreme

Not Available

VS

Royal Sundaram Lifeline Elite

  1. 30 days for illnesses (excluding accidents).
  2. 24 months for specific treatments like cataract surgery and joint replacements.
  3. 48 months for pre-existing diseases.
Cashless Healthcare Providers

Supreme

21700+ Healthcare Providers

VS

Royal Sundaram Lifeline Elite

10,000+ HealthCare Providers.

Restoration Benefit

Supreme

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

(per claim in a policy year for related/unrelated illnesses)

VS

Royal Sundaram Lifeline Elite

Not Available

Daycare Treatment

Supreme

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured

VS

Royal Sundaram Lifeline Elite

Covers all day care procedures that require hospitalization for less than 24 hours, up to the sum insured.

Cumulative Bonus

Supreme

Your sum insured increases by 50% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 500%

(Option to boost coverage by 5x annually)

VS

Royal Sundaram Lifeline Elite

Not Available

AYUSH Treatment

Supreme

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

Royal Sundaram Lifeline Elite

Expenses for alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.

Consumable Cover

Supreme

No. However, available as an add-on

VS

Royal Sundaram Lifeline Elite

Not Available

Initial Waiting Period

Supreme

30 days

VS

Royal Sundaram Lifeline Elite

Not Available

Specific Waiting Period

Supreme

2 years

VS

Royal Sundaram Lifeline Elite

Not Available

PED Waiting Period

Supreme

3 years

VS

Royal Sundaram Lifeline Elite

Not Available

Modern Treatment

Supreme

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

Royal Sundaram Lifeline Elite

Not Available

Annual Health Checkup

Supreme

Health checkup is not included as part of base cover. However, available as an add-on

VS

Royal Sundaram Lifeline Elite

Not Available

Pre-Hospitalisation

Supreme

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

VS

Royal Sundaram Lifeline Elite

Not Available

Post-Hospitalisation

Supreme

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

VS

Royal Sundaram Lifeline Elite

Not Available

Outpatient Department Cover (OPD Expense)

Supreme

OPD expense is not included as part of base cover. However, available as an add-on

VS

Royal Sundaram Lifeline Elite

Not Available

Deductible Option

Supreme

Not available

VS

Royal Sundaram Lifeline Elite

Not Available

Coverage Options

Supreme

Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹25L, ₹50L and ₹1 Cr

VS

Royal Sundaram Lifeline Elite

Not Available

Claim Settlement Ratio

Supreme

96%

VS

Royal Sundaram Lifeline Elite

Not Available

Maternity Cover

Supreme

Not available

VS

Royal Sundaram Lifeline Elite

Not Available

Insurance Plans Comparison

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Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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