Royal Sundaram Lifeline Supreme Plan

(71 Reviews)
Insurer Highlights

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      Royal Sundaram Lifeline Supreme Plan

      The Royal Sundaram Lifeline Supreme plan is a comprehensive health insurance plan that is suitable for both individuals and families. And the cost of the premium is also not too much. It is health insurance with critical illness rider benefit in the same plan. It covers most of the serious health conditions.

      Read More

      It is a comprehensive plan with health and wellness benefits, Annual Health Check-up facilities, and Second Medical Opinion for Critical Illness among other benefits. If you are above the age of 18 years then you can buy Royal Sundaram Lifeline Supreme Plan. And you if you want to include your spouse and children in the same plan then you can opt for a Family Floater plan.

      Advantages of Royal Sundaram Lifeline Supreme Plan

      • The policy tenure options that are available are 1,2 and 3 years
      • Second medical opinion for 11 life-threatening illnesses
      • Domestic evacuation cover in case of a medical emergency
      • Double your no-claim bonus and sum insured amount after 5 years
      • Easy purchase, renewal and cancellation process

      Inclusions of Royal Sundaram Lifeline Supreme Plan

      Mentioned below are the coverage benefits that you can enjoy under the Royal Sundaram Lifeline Supreme plan:

      • Inpatient hospitalization charges up to the sum assured limit
      • Pre and post-hospitalization charges to be repaid up to sum insured limit for 60 and 90 days respectively
      • Day-care medical procedures and surgeries up to the sum insured limit
      • Ambulance cover up to INR. 5,000 rupees
      • Organ donor hospitalization expenses up to the sum insured limit
      • Domiciliary hospitalization charges up to a specified limit
      • No-claim bonus benefit ranging from 20% to 100%
      • Retention of NCB even after filing a claim
      • 100% restoration of the sum insured upon exhaustion of the sum insured and No-claim-bonus
      • Inpatient hospitalization expenses for AYUSH treatment expenses up to the sum insured limit. The treatment should be taken in a government hospital and the limit is up to Rs. 30,000 in non-government hospitals
      • Animal bite vaccination up to INR 5,000
      • Annual health check-up facility for insured members older than 18 years, irrespective of the claim filed
      • Second opinion for treatment and diagnosis of 11 specified critical illnesses
      • Emergency medical evacuation cover in India up to INR 1 lakh

      Sum Assured (Rs.)

      You can choose the minimum sum insured option of INR 5 lakh
      You can choose the maximum sum insured option of INR 50 lakh

      Common Exclusions Under the Royal Sundaram Lifeline Supreme Plan

      There are certain medical conditions that are not covered by Royal Sundaram Lifeline Supreme Plan. Mentioned below is the list of exclusions:

      • Pre-existing illnesses as mentioned in the policy and as declared by the policyholder at the time of policy purchase will only be covered after completion of 36 months of the policy period. The claim will be nullified in case there is any gap while renewing the policy.  
      • Critical Illness that is diagnosed within the initial 90 days of the policy commencement
      • Any health condition that was diagnosed within the initial 30 days of purchasing the policy
      • Diseases such as Benign Prostatic Hypertrophy, Hip/Knee Replacement, Stage Renal Failure, Cataract shall not be covered until two-years of the policy term is completed.

      Permanent Exclusions of Royal Sundaram Lifeline Supreme Plan

      Here is an extensive list of the permanent exclusions under this plan:

      • Illnesses resulting due to addictions and disorders
      • Any hospitalization resulting due to involvement in Adventure Sports or Hazardous activities
      • Puberty and Ageing
      • Alternative Treatment apart from AYUSH treatment
      • Congenital Diseases
      • Artificial Life Maintenance
      • Charges for Medical Papers
      • Conflict and Disaster
      • Dental/Oral Treatment
      • Circumcision
      • Treatment is undertaken in an unauthorized hospital or from an unauthorized doctor
      • Injury resulting from an Unlawful Activity
        Hereditary Medical Conditions
      • Convalescence and Rehabilitation
      • AIDS and HIV
      • Cosmetic Surgeries
      • Dressing and Medicines for OPD Treatment
      • Eyesight Treatment
      • Hospitalization for Investigative or observation purpose only
      • Items of convenience and personal comfort
        Psychosomatic and Psychiatric Conditions
      • OPD Treatment
      • Stem Cell Implantation
      • Obesity
      • Preventive Care
      • Sleep Disorders
      • Self-inflicted Injuries
      • Reproductive Medicine
      • Sexual problems/Sexually Transmitted Diseases
      • Speech Disorders
      • Treatment for Alopecia
      • Unproven/Experimental Treatment

      Royal Sundaram Lifeline Supreme Plan Cashless Claim Procedure

      • For all the planned treatments, the TPA needs to be informed in advance at least 72 hours prior to hospitalization. This is essential for timely cashless authorization
      • For all the emergency cases, the TPA needs to be notified within 24-hours of the treatment/hospitalization.
      • Start by filling and submitting the cashless authorization form as provided by the TPA. Before sanctioning the claim, the TPA will assess your coverage limit and your eligibility to avail the policy benefits
      • Submit all the required documents, filled and signed claim form to the TPA department. For any disagreement, the TPA will get in touch with you within 4 hours of form submission.
      • Pay any extra cost that is attached to the treatment, if it is not  covered by the policy
      • Your claim will be rejected if the illness or treatment is not covered under your policy. The intimation will be provided within 2 hours.

      Royal Sundaram Lifeline Supreme Plan Claim Procedure for Reimbursement

      To claim for medical expenses incurred in a non-network hospital you can follow the claim procedure as enumerated below:

      • Submit the duly signed and filled Sundaram Lifeline Supreme claim form. This needs to be submitted within 30 days of getting discharged from the non-network hospital
      • If Royal Sundaram is satisfied with your documentation, then the claim amount will be compensated within a month of filing the claim
      • If the claim is rejected or the insurer finds a discrepancy, then a letter of rejection will be issued and is shared with you within a week of claim submission
      • The payment will be made in the name of the policyholder
      • You can submit all the documents at the nearest branch office

      It is an all-inclusive plan that will cover most of your medical expenses and all you need to pay is a small premium amount annually.

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Father’s Day 2024: Gift Your Father Health Insurance This Year

      14 Jun 2024

      Father’s Day is celebrated every year on the third Sunday of
      Read more
      Does SBI Health Insurance Cover Dental Treatments?

      05 Jun 2024

      SBI General Insurance Company provides comprehensive coverage
      Read more
      Does ICICI Lombard Health Insurance Cover Dental Treatments?

      05 Jun 2024

      ICICI Lombard General Insurance Company offers various health
      Read more
      Does Reliance Health Insurance Cover Dental Treatments?

      04 Jun 2024

      Dental insurance is crucial in safeguarding oral health as it pays
      Read more
      Does HDFC ERGO Health Insurance Cover Dental Treatments?

      22 May 2024

      HDFC ERGO General Insurance Company offers various health
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      10 New IRDAI Health Insurance Guidelines in 2024
      Health insurance penetration in India is far lower than it should be. A significant chunk of the Indian population
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.