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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.

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.

Written By: PolicyBazaar - Updated: 09 January 2020
Average Rating
(Based on 33 Reviews)
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Royal Sundaram Lifeline Supreme Plan Reviews & Ratings
4.2 / 5 (Based on 33 Reviews)
(Showing Newest 15 reviews)
Manoj
Pune, July 25, 2016
Sundaram Health Policy
The health insurance policy I have is from royal sundaram general insurance. The policy is great and more benefits in less premiums. Easy renewals on online portal service and the updates also can be seen too regarding insurance policy.
Himanshu
Ghatal, July 08, 2016
Health Care
I have health insurance plan like every one does, but my insurance policy premium is less. Policy coverage is high and claims are even better. The large number of hospitals are there which facilitate fast services to the customers.
Tanisha
Bhopal, June 24, 2016
Best Health Plan
My health insurance plan is the best which provide me best returns. Policy coverage is high which provide's ambulance service for both sides i.e., pick and drop at any locations. Claims are easy to sanctioned due to fast service from the company side. Good number of hospitals make faster and easier treatment which are safe and secure.
P
Chennai, March 12, 2016
LifeLine
Really It Was Good Royal Sundaram Giving Good service while taking the policy and for claim service also
Lokesh
Delhi, March 10, 2016
Good.
I have good health insurance policy plan with royal sundaram general insurance. Policy coverage is 50% and the claims are high. Premiums are low. Number of hospitals are there for providing services. Claiming procedure is easy and ambulance is facilitate for free of any charges. Good policy good work.
Devesh
Gurgaon, March 10, 2016
Fair plan for health.
I recently buy the health insurance from royal sundaram general insurance. Policy coverage and claims are high and the investments are low. Returning amount is approx. Rs.2.4 L. Ambulance is free but not available for anytime. Good Service from executives and staff.
Anuj
Raj_nagar, March 10, 2016
Not bad
An average health insurance policy plan i have got from royal sundaram general insurance. Policy coverage is 60% and the claims are ~Rs.2.7 L. Claiming process is easy due to fast services. Ambulance is also there for free. Keep up team.
Anubhav
Noida, March 10, 2016
Bad service.
Policy coverage is 80% and claims are around Rs.3 L, even ambulance is take some percent charges of the bill and the premiums are low but the service is slow. Please improve you service royal sundaram general insurance. Rest all thing are good in your health insurance plan.
Hemant
Rameswaram, March 10, 2016
above average
I own health insurance policy plan with royal sundaram general insurance. It has 80% policy coverage and the claims are easily sanctioned because of fast services you provided. Ambulance is facilitate for free of cost and huge number of the hospitals are there for service.
Chirag
Shajapur, March 10, 2016
Okay Policy Plan.
My health insurance is with royal sundaram general insurance. Basically it is an average policy plan which has low premiums as well as returns. Policy coverage and claims are okay. Ambulance is free of any charges but the service is slow. Improve your services.
Malay
Meerut, March 10, 2016
Not Satisfactory.
My policy plan is not good at all. I don't like it. Royal sundaram general insurance provides me health insurance policy plan. Policy coverage and claims are not good and even the premiums are high. Ambulance is not for free it take charges to provide services.
Astha
Greater_noida, March 10, 2016
Nice Health Policy.
I have my health insurance policy plan like every one else. Policy is with royal sundaram general insurance. Policy coverage and claims are also nice with less investments. Ambulance is on service for free and services are really very fast and on the.
Gunjan
Gangapur, March 10, 2016
Very nice.
My Health policy plan is very nice because it has great benefits with low premiums. Policy coverage and claims are high and return amount is approx. rs.3.7 L. Service is always on time with full taking care of it. Large number of hospitals are present and working with you guys.
Manish
Uttamnagar, March 10, 2016
Fine Plan.
The service provided by the royal sundaram general insurance is the very good and fast. I bought health insurance policy plan from them and really happy to buy it. The policy coverage and claims are high and the premiums are low. Nice work.
Rahul
Kheda, March 10, 2016
Best Plan Ever.
Royal sundaram general insurance provides me health insurance policy plan. This plan had all staff, policy coverage is 98%, Claims are approx. Rs.3.5 L, Service is fast like paradox and even the ambulance is facilitate for free of any charges. I like this policy plan.
Vikas
Bikaner, March 10, 2016
Great plan!
My health insurance policy plan is the best because i buy it from royal sundaram general insurance. Many benefits are there like ambulance is providing service from door steps to hospital and then return home. Policy coverage and claims are high but the premiums are medium. Nice policy plan.
Vishal
Bhubaneshwar, March 10, 2016
Good Policy Coverage.
My policy plan is health insurance with royal sundaram general insurance. Service you provided is great and very fast too. Claims are high and premiums are low. Policy coverage is around 98% the best thing in this policy. Happy with the plan.
Tarun
Kanpur, March 10, 2016
Claiming Issue
I have health insurance with royal sundaram general insurance. The policy is covering 60% of the health issues. Service is also nice with fast and taking care the situations. Claims are not that good and the claiming procedure is not good. Long time it will take to sanctioned. Ambulance take charges for giving service.
Gaurav
Hyderabad, March 09, 2016
Less coverage.
My health insurance policy plan has almost all stuff just the policy coverage is very less ~30% but rather than this all are fine like claims are approx. Rs.3 L. Ambulance is also facilitate for free of any charges. Service very quick so the claims are easily sanctioned. Great work.
Manav
Mysore, March 09, 2016
Fair plan.
My health insurance policy plan is with royal sundaram general insurance. Policy coverage is 60% and the claims are ~rs.1.9 L. The claiming process is very easy and no paper work. Ambulance take charges. Just increase your range of hospitals.
Jitender
Faridabad, March 09, 2016
Perfect Policy Plan.
I got health insurance policy plan by taking advice of my friend. Thanks,royal sundaram general insurance for such a nice policy plan with great benefits. Ambulance don't take any charges, Claims and policy coverage are high and the premiums are low.
Omesh
Delhi, March 09, 2016
Fantastic plan.
I own health insurance policy plan from royal sundaram general insurance. Claims are Rs.2.1 lakhs and the policy coverage is areound 80% but service of your web page is slow please improve it. Executives are behave well and all issues are solved with nice care.
Gaganpreet
Amritsar, March 09, 2016
Good Plan.
I found really good health insurance policy plan from royal sundaram general insurance. Claims and policy coverage is high and the premiums are low. Around 2.1 lakhs are claimed and easily sanctioned because of fast services.
Joginder
Ahmedpur, March 09, 2016
Nice Health Policy.
I buy health insurance policy plan from royal sundaram general insurance. Policy coverage is fantastic ~80% and the claims are easily sanctioned due to fast services provided by executives. Ambulance is also facilitate for free. Great work.
Yogesh
Pune, March 01, 2016
Perfect Policy.
Royal sundaram health insurance policy plan i purchase last month by taking advice of piolicybazaar agent. Really good policy having high policy coverage and claims, even the premium is very low. I like it.
Plan Name: Lifeline Supreme
Agent Code: BPW01951

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