Royal Sundaram Lifeline Supreme Plan
Royal Sundaram General Insurance
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
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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
Room Rent (Normal & ICU)
Normal: No sub-limits; covered up to the sum insured.
ICU: Fully covered up to the sum insured.
Advanced Treatments
Covers modern medical procedures, including Robotic surgery, Stem cell therapy, and Organ transplants as per policy terms.
Co-payment
No mandatory co-payment for policyholders, ensuring full claim settlement without out-of-pocket expenses.
Waiting Periods
Pre-existing diseases are covered after 3 years.
Specific illnesses have a 2-year waiting period.
Cashless Healthcare Providers
Access to 5,000+ network hospitals across India for cashless treatment and hassle-free hospitalization.
Day Care Treatments
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
No Claim Bonus - Increases the sum insured for every claim-free year without an additional premium.
Maternity & Newborn Cover - Provides coverage for maternity expenses and newborn baby care.
OPD Cover - Covers outpatient expenses, including doctor consultations, diagnostics, and pharmacy bills.
Critical Illness Rider - Offers a lump sum payout for critical illnesses like cancer, heart attack, or stroke.
Personal Accident Cover - Provides financial protection in case of accidental death or permanent disability.
Add-ons
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About the Company
Royal Sundaram General Insurance is a leading insurance provider in India, known for its diverse and customer-focused offerings. It operates as a part of the Sundaram Finance Group and offers a wide range of insurance products, including motor, health, home, and travel insurance.The company aims to make insurance accessible and affordable for individuals and families by offering competitively priced premiums and innovative insurance solutions that cater to various needs. Whether you are looking to safeguard your health, vehicle, home, or travel plans, Royal Sundaram provides tailored coverage options, backed by a robust claim settlement process.
The company is led by Managing Director and Whole-Time Director, Mr. M.S. Sreedhar.
About the Company
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