How does the waiting period affect my coverage?

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

What happens if I don’t use my health insurance benefits for the entire year?

No-claim bonus increases sum insured yearly, enhancing coverage for future medical needs.

Will my health insurance cover treatment abroad?

No global coverage; treatment is limited to hospitals within India’s network.

Are there any renewal benefits in Royal Sundaram Lifeline Supreme?

The plan offers lifelong renewability with no maximum cover ceasing age. Renewal premiums are subject to change with prior IRDAI approval.

OneAssure

Health Insurance

Royal Sundaram

Royal Sundaram Lifeline Supreme

Experience India's most trusted health insurance with Royal Sundaram Health Insurance. Get instant cashless treatment at 10000 network hospitals with sum insured up to ₹50 lakhs.

95.9

Claim Settlement Ratio

10000

Network Hospitals

8.1

Customer Rating

Policy Wording

Brochure

Get a Quote

95.9

Claim Settlement Ratio

10000

Network Hospitals

8.1

Customer Rating

Policy Wording

Brochure

Our Verdict

Expert Review: Royal Sundaram Health Insurance

Use our free BMI calculator for men and women to quickly check your Body Mass Index. Discover whether you're underweight, normal, overweight, or obese based on your height and weight - only at Oneassure.

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

About Royal Sundaram Health Insurance

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.

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,...

Inclusions and Exclusions

Inclusions and Exclusions of Royal Sundaram Insurance Company Limited

Cashless Healthcare Providers

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

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.

Waiting Period

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

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.

Cashless Healthcare Providers

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

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.

Pageof 3

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.
Non-medical expenses like administrative charges, dietary supplements, or health tonics.
War, terrorism, or nuclear radiation-related injuries or illnesses.
Dental, hearing, and vision treatments unless caused by an accident.

Insurance Premium Calculator

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

About the company

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.

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...