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Royal Sundaram Health Insurance for Individual

If you are looking for the most suitable plan providing comprehensive coverage for yourself or your family, then Lifeline Supreme is it. The plan provides health and wellness benefits, the second opinion for critical illness, an annual health check-up and much more. Anyone who is above 18 years of age can purchase this plan. The plan comes as an individual as well as a family floater option. Given below are some of the features of the Lifeline Supreme Plan by Royal Sundaram:

Key Features

  • The plan is available on an individual as well as a floater basis
  • ​Sum insured options ranging from Rs. 5 Lakh to Rs. 50 Lakh
  • Self, spouse, and children can be covered under the floater plan
  • Up to 4 dependent children can be covered aged between 91 days to 25 years
  • No room rent capping or limits on the basis of disease
  • Reload of Sum Insured
  • Lifelong renewability
  • No Claim Bonus

​​Scope of Coverage

  • All day care procedures
  • Organ donor expenses
  • In-patient hospitalisation expenses
  • Pre and post hospitalisation cover
  • Vaccination in case of animal bite
  • Domiciliary hospitalisation expenses
  • Cover for emergency domestic evacuation
  • Second opinion for specified critical illnesses


Any person who is more than 18 years of age can purchase this plan. There is no restriction on the maximum entry age under this plan.


  • Pre-existing medical conditions
  • Lifestyle-related conditions
  • Injuries caused due to suicidal attempt
  • Cosmetic, re-shaping treatments, aesthetic treatments, and surgeries
  • Spectacles, hearing aids, or contact lenses including optometric therapy

To know complete product details refer to the policy wordings or get in touch with the customer care executives at InsuranceDekho on 1800 1205 698.

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Health Insurance News


  • Are expenses related to organ donor borne under the individual plan?

    Yes, expenses related to organ donor are borne under the individual plan up to sum insured amount of the plan.

  • What is the waiting period for pre-existing illness under Royal Sundaram individual plans?

    The waiting period of pre-existing illnesses and diseases under Royal Sundaram individual plans ranges from 2 to 4 years, depending on the variant you choose.

  • Is there any sum reload feature allowed under the individual plan?

    Yes, a reload benefit is available under the plan, where 100% sum insured amount is reloaded only after the SI is exhausted. If the sum insured is not exhausted completely, the reloading feature won’t apply. 

  • Does the individual plan also cover AYUSH or vaccination treatment?

    Yes, the individual health insurance plan covers the AYUSH procedures and treatments with the expenses of vaccination for animal bites.       

  • Does the individual plan offer any bonus to its policyholders?

    No-claim bonus (NCB) starts from 20% of the base sum insured and extends up to 100%. No reduction in NCB, even when a claim is filed during a particular year. 

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