Royal Sundaram Lifeline Supreme
Royal Sundaram
8.1/10
OneAssure Rating
8.1/10
OneAssure Rating
Highlighted Features
Room Rent Coverage
Covers normal room charges up to the sum insured and ICU expenses fully, ensuring financial relief during hospitalization.
Advanced Treatments
Covers robotic surgery, stem cell therapy, and organ transplants, providing access to modern medical advancements for comprehensive healthcare.
Policy Wording
Brochure
Explore more features
Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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.
- Normal: No sub-limits; 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.
- Pre-existing diseases are covered after 3 years.
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.
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.
Exclusions
Related Variants
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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.
About the Company
Still Confused ?
Frequently Asked Questions
Related Blogs
Family Floater Plans: A Quick Overview
How Does Life Insurance Work? Everything You Need to Know Before Buying
Discover how life insurance works in India, including key terms, premium payments, and what happens on claim settlement.
Insurance in 2026: Great for Your Wallet, But What’s Still Missing?
The Union Budget 2026 was just presented by the Finance Minister, and for the first time in years, the "boring" world of insurance has some of the most exciting updates for young earners.
What Is Insurable Interest in Life Insurance and Why Is It Important?
Learn what insurable interest is in life insurance, why it is important, and look at examples of insurable interest. See how it impacts the policies and claims.
Term Insurance Medical Test Fail: Common Mistakes You Should Avoid
What Happens If You Fail a Term Insurance Medical Test? Understanding the Reasons, Next Steps, and How to Improve Your Eligibility
ICICI Elevate vs Care Supreme: Which Health Plan Offers Better Coverage in 2025?
Explore ICICI Elevate vs Care Supreme to find the best health insurance in 2025.
Understanding the Critical Illness List in Insurance Policies
Explore the critical illness list in insurance, key coverage details, and how it helps safeguard your finances against major health risks.
Understanding Mahatma Jyotiba Phule Jan Arogya Yojana: A Comprehensive Guide
Mahatma Jyotiba Phule Jan Arogya Yojana: Eligibility, Enrollment Process & Key Healthcare Benefits
Factors to consider when buying critical illness insurance
Explore the importance of critical illness insurance, how it works, what it covers, and key factors to consider before buying a policy for financial protection.
Top Senior Citizen Health Insurance Schemes by Government of India
Explore government-backed senior citizen health insurance schemes in India, offering cashless hospitalization, financial security, and comprehensive medical coverage.
How to Surrender Your HDFC Life Policy Online and Claim Your Surrender Value?
Learn how to surrender HDFC Life policy online and claim your surrender value in India.
Benefits of Having a Death Insurance Policy
Explore the potential benefits of opting for a death insurance policy in India in 2025.
Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying
.png)
Tips To Choose The Best Health Insurance Plan
How India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.
Let’s break down what the latest Union Budget means for you - not just as a citizen, but as someone earning, planning finances, and thinking seriously about securing your future with insurance.
Making Health Insurance Affordable: Is EMI Really the Best Way?
In India, we’ve mastered the art of the EMI. From the latest iPhone to that fancy fridge, if it has a price tag, it probably has an "Easy Monthly Installment" plan. So, it was only a matter of time before the insurance world caught up.
