OneAssure

Health Insurance

Royal Sundaram

Royal Sundaram Lifeline Supreme

Grow a no-claim bonus of 20% each claim-free year up to 100%, reload the full sum insured once for a different illness, and add a second opinion for specified critical illnesses plus emergency evacuation between hospitals.

95.9%

Claim Settlement Ratio

3,500+

Network Hospitals

10/10

Plan Rating

Policy Policy Wording

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Our Verdict

Expert Review: Royal Sundaram Royal Sundaram Lifeline Supreme

Final Verdict

Lifeline Supreme offers extensive coverage, including hospitalization, maternity, and critical illness benefits, with flexible sum insured options. Ideal for individuals and families seeking comprehensive protection against medical emergencies and critical conditions.

About

What Is Royal Sundaram Lifeline Supreme?

Lifeline Supreme is a comprehensive health insurance plan by Royal Sundaram offering extensive medical coverage. It includes in-patient hospitalization, pre- and post-hospitalization expenses, daycare treatments, domiciliary hospitalization, and ambulance charges. The plan provides sum insured options ranging from ₹5 lakh to ₹50 lakh and covers AYUSH treatments, modern procedures, and organ donor expenses. It also offers maternity benefits, newborn baby cover, worldwide emergency hospitalization, and no sub-limits on room rent. With lifetime renewability, no-claim bonus, and wellness benefits, it ensures financial security against medical emergencies.

Supreme Ratings

Supreme

Insurer Rating

7.91

out of 10

Insurance Rating

10

out of 10

No Room Rent Limit

Yes

Consumables Covered

Yes

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

Yes

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Royal Sundaram Royal Sundaram Lifeline Supreme Inclusions and Exclusions

Waiting Period

Pre-existing diseases are covered after 3 years.
Specific illnesses have a 2-year waiting period.

Advanced Treatments

Covers modern medical procedures, including Robotic surgery, Stem cell therapy, and Organ transplants as per policy terms.

Room Rent

Normal: No sub-limits; covered up to the sum insured.
ICU: Fully covered up to the sum insured.

Co-payment

No mandatory co-payment for policyholders, ensuring full claim settlement without out-of-pocket expenses.

Cashless Healthcare Providers

Access to 5,000+ network hospitals across India for cashless treatment and hassle-free hospitalization.

Daycare Treatment

Covers 200+ procedures, including cataract surgery, dialysis, and chemotherapy, without requiring 24-hour hospitalization.

AYUSH Treatment

Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments up to a specified limit under the policy.

Exclusions

Pre-existing diseases during the initial waiting period.
Cosmetic or plastic surgery unless required due to an accident.
Injuries due to self-harm, suicide attempts, or substance abuse.
Treatments related to infertility and assisted reproductive technologies.
Experimental, unproven, or alternative treatments outside AYUSH.

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About the company

About Royal Sundaram

Ovеrviеw of Royal Sundaram Hеalth Insurancе Royal Sundaram Hеalth Insurancе, a division of Royal Sundaram Gеnеral Insurancе Co. Limitеd, is among India’s most dеpеndablе and customеr-friеndly hеalth insurеrs. Thе company focusеs on providing affordablе and flеxiblе hеalth solutions that catеr to individuals, familiеs, and sеnior citizеns with varying health care needs.
With a widе nеtwork of ovеr 10,000 hospitals across thе country, Royal Sundaram еnsurеs quick and hasslе-frее cashlеss trеatmеnts for its policyholdеrs. Thе insurеr is known for its transparеnt claim procеss, innovativе plan options, and long-standing commitmеnt to customеr satisfaction. Its approach combinеs rеliability, simplicity, and valuе, making health care protection accеssiblе and strеss-frее for еvеry housеhold.