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Royal Sundaram Lifeline (Supreme)

Introduction to Royal Sundaram Lifeline (Supreme)

Royal Sundaram Lifeline is a health insurance policy offered by Royal Sundaram General Insurance Company Limited. A health insurance plan protects you from unexpected medical expenses, which can be a significant financial burden. You can ensure that you and your family receive the required medical care without having to worry about the costs associated with it. Royal Sundaram’s Lifeline Plan provides highly flexible coverage and a variety of benefits and features, making it a popular choice in the market.

beshak ratings
Verdict: Royal Sundaram Lifeline (Supreme)

This plan is a good option for those seeking cost-effective yet comprehensive health insurance coverage. It combines affordability with an array of features and benefits, making it an ideal choice. Not only is it much cheaper than similar products in the market, but it also offers coverage for numerous expenses such as infertility treatment, bariatric surgery, expenses related to mobility devices such as wheelchairs, crutches, etc. along with hospitalization-related expenses. The plan also includes ambulance coverage for app-based cab services like Ola and Uber. On the flip side, however, you cannot choose to pay the premiums on a monthly basis. And, based on our research, the insurer has received higher policy purchase complaints but has fewer claim settlement complaints.

Pros & Cons: Royal Sundaram Lifeline (Supreme)

  • arrow Cheaper than other products in the market
  • arrow No restrictions on the type of hospital room you choose
  • arrow Covers Bariatric surgery for weight loss
  • arrow Covers expenses related to infertility treatment
  • arrow Ambulance coverage includes app-based cabs.
  • arrow Covers expenses related to mobility devices such as wheel chairs, crutches, etc.
  • arrow Received fewer complaints on claim settlement compared to other insurers
  • arrow Monthly premium payment mode not available
  • arrow Received higher number of complaints during policy purchase compared to other insurers
  • arrow Our study observed their responses on Twitter to be relatively slower than other insurers

Specific Exclusions: Royal Sundaram Lifeline (Supreme)

01 Any alternative treatment (other than those covered under AYUSH Treatment Benefit)
02 Circumcision unless necessary for treating a disease or injury
03 Injury or illness directly or indirectly due to terrorism, war, riot, nuclear or chemical contamination
04 Expenses for treatment related to external birth defects
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About Royal Sundaram General Insurance Company Limited

Royal Sundaram General Insurance Company Limited logo

Royal Sundaram General Insurance Company Limited (formerly known as Royal Sundaram Alliance Insurance Company Limited), is the first private sector general insurance company in India to be licensed by the IRDAI. The company offers Motor, Health, Personal Accident, Home, and Travel Insurance to individual customers and specialized insurance products like Fire, Marine, Liability Insurance, etc. to corporates. It was founded in 2001 and is headquartered in Tamil Nadu, Chennai. Mr. S. Viji is the company's chairman.

Founded in
JV Partners
Sundaram Finance Ltd. and Ageas Insurance
Turnover (GWP)
135.09 Crores
Number of Policies
Number of Claims

Detailed Product Specs: Royal Sundaram Lifeline (Supreme)

Claims Experience 4.4/5 star green
Customer Service 3.7/5 star green
Product Benefits (10L Sum Insured) 4.06/5 star green
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
% of Complaints received on overall claims
% customers unhappy with claims experience
Claims Incurred Ratio
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
No. of Cashless Hospitals

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  1. The health insurance data was last updated in June 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q1, FY 2023-2024), IRDAI annual report (2021-22), insurer websites, and the IRDAI website. 
  2. For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.
  3. We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service. 
  4. Affordability assessment of plans: 
    • The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1 opting for a cover of ₹10 Lakhs. And, the premiums are as of 31st June 2023.
    • The affordability of Care Freedom Plan is assessed using premiums for a 30-year-old male residing in Zone 1 opting for a cover of ₹5 Lakhs. And, the premiums are as of 31st June 2023.
  5. The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans. 
  6. Only those hidden and special conditions that apply to the benefits and features we have considered are included in the product pages. 
  7. The product pages only include the most significant specific exclusions under each plan.
  8. The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
  9. If the policy wording, brochure, or prospectus state that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.
  10. The response time on Twitter (Beta) was calculated using a sample set of tweets from April, May, and June 2022 (analyzed in August, September, and October 2022). 
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