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Last updated on: May 20, 2025
The Royal Sundaram Lifeline Supreme Plan and SBI Arogya Premier Plan are both comprehensive health insurance options, but they differ in key aspects. Lifeline Supreme offers coverage up to ₹50 lakh, includes global hospitalization, no claim bonus up to 150%, and restores the sum insured in case of exhaustion. It covers alternative treatments and has no sub-limits on room rent. SBI Arogya Premier provides coverage up to ₹30 lakh, international coverage for certain treatments, an accumulated bonus of 10% per claim-free year, and a flexible family floater option. However, it has some capping on room rent and certain procedures. While Lifeline Supreme stands out for higher sum insured and enhanced benefits like wellness options, SBI Arogya Premier is attractive for its broader hospital network and slightly lower premiums. Ultimately, Lifeline Supreme suits those seeking higher coverage and rich benefits, while SBI Arogya Premier appeals to budget-conscious buyers wanting robust coverage.
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Read BioThe Indian health insurance market is growing at a fast pace in 2025, and with more options out there, choosing the right health cover is no mean task. Among many popular plans are Royal Sundaram Lifeline Supreme Plan and SBI Arogya Premier Plan. Both are used by various sections for their features, advantages, and broad coverage. But which suits your needs in 2025? A side-by-side comparison with easy-to-follow information on latest features, advantages, disadvantages, expert viewpoints and real-world case studies for better decision-making.
Royal Sundaram Lifeline Supreme Plan is a comprehensive medical insurance solution that provides comprehensive medical coverage to individuals and families. It has been known for its high sum insured options, international treatment cover, wellness benefit, and easy claim process.
The flagship offering of SBI General Insurance, SBI Arogya Premier Plan targets individuals looking for hassle-free coverage, high sum insured, and a robust hospital network across the country. It is characterized by high sum assured and wellness riders and is thus appropriate for middle-class and upper-middle-class customers.
| Feature | Royal Sundaram Lifeline Supreme | SBI Arogya Premier |
|---|---|---|
| Sum Assured (Rs) | 5 Lakh – 50 Lakh | 10 Lakh – 30 Lakh |
| Global Critical Illness | Yes (11 listed illnesses) | No |
| AYUSH Cover | Yes | Yes |
| Replacement of Sum Assured | Automatic & Unlimited | 100% once per policy year |
| Maternity Benefit | Yes (waiting period 3 yrs) | No |
| Organ Donor Expenses | Yes | Yes |
| No Claim Bonus | Up to 100 per cent | 10 per cent per claim-free year |
| Health Check Up | Yes (Annual) | Yes (after 4 claim-free years) |
| Pre/Post Hospitalization | 60/90 days | 30/60 days |
| Network Hospitals | 10,000+ | 6,000+ |
Expert Opinion: Mr. J Singh, Senior Underwriter, one of the leading insurance aggregators in India says, “As we move towards 2025, we anticipate a rise in the number of individuals opting for plans such as Royal Sundaram Supreme for its global cover and cashless payments, and SBI Arogya Premier for its easy processes and wellness benefits for the family.”
Did You Know? Many online insurance companies now have side-by-side comparisons available and can make it easier to see exclusions, premiums, and hospital networks before purchasing. You can save up to 25 percent on premiums by shopping around and comparing with multiple insurance providers before making a selection.
Royal Sundaram Lifeline Supreme Plan may be more appropriate. It has increased flexibility in coverage options, longer OPD and maternity benefits which is an important feature for families living in cities.
SBI Arogya Premier Plan is attractive because of competitive premium (if multiple members are added) and the generous hospital network, especially in semi urban and rural areas.
With its comprehensive pre and post-hospitalization coverage and generous restoration, Royal Sundaram emerges as the preferred option for senior citizens or individuals with complex healthcare histories.
The client, Mrs Radhika, 35-year-old IT professional, having 2 small children, had desired inclusion of a comprehensive cover with maternity cover and a wide cashless hospital network. Going online to compare plans, she discovered that Royal Sundaram offered annual health check-ups and maternity and newborn care appropriate for her growing family, albeit at a premium.
Mr. and Mrs. Sharma were senior citizens who were looking for hassle-free health insurance and peace of mind. The combination of low premiums and hassle-free claim processes made SBI’s Arogya Premier Plan with its low co-pay and no sub-limits an attractive option.
Royal Sundaram Lifeline Supreme has complete maternity and newborn cover, which is not available with SBI Arogya Premier.
A health annual check up is only offered after four consecutive years of no claims.
| Product | Royal Sundaram Lifeline Supreme | SBI Arogya Premier |
|---|---|---|
| Entry Age | 91 days (children), 18 years (adult) | 3 months (children), 18 years (adult) |
| Maximum Age of Entry | No upper limit | 65 years |
| Pre-Hosp. Pre-Care Cover | 60 days | 30 days |
| Post Hospital Stay Cover | 90 days | 60 days |
| Worldwide Hospitalisation | Yes (Critical illness only) | No |
| Organ Donor Expenses | Covered | Covered |
| Emergency Ambulance | Rs 5,000 per event | Actual cost up to Rs 5,000 |
| Day Care Procedures | All day care treatments | 527+ |
| No Claim Bonus | Up to 100 percent | Up to 50 percent (up to 10 percent) |
| Wellness Benefits | Dietician, Health Coach, Wellness rewards and discounts | Yes |
| Restoration of Cover | Unlimited | 100% once per year |
Expert Tips: When it comes to comparing the best medical insurance plans in India in 2025, health insurance experts advise looking beyond premiums and focusing on sum insured, exclusions, and other benefits such as global treatment and wellness riders.
Premiums in 2025 is dependent on age, city, sum insured and health status. For example, for a family of four (adult couple+ two children), insured for Rs 10 lakh:
Premium in both plans is lower in large corporate groups or with higher sum insured. Online insurance marketplaces also let you compare plans and see what the actual premium is broken down into (with GST, service charges and optional add-ons), so you know what to expect.
Which is having lower premium: SBI Arogya Premier or Royal Sundaram Lifeline?
Hence, for similar sum insured, SBI Arogya Premier gives lesser premiums in most cases.
Are there discounts for buying an online premium?
Yes, some of our digital insurance partners offer up to 10 percent discount.
Royal Sundaram Lifeline Supreme
Cashless claim at network hospitals, reimbursement option. Claim tracking and dedicated health assistance through mobile app
SBI Arogya Premier Plan
Cashless & Reimbursement options. Faster pre-authorization - Because there is a direct connection between the hospital and the health insurance company, it is generally easier to obtain pre-authorization for a procedure if the hospital is a network member.
Did You Know? In 2024, the digital cashless process accounted for more than 72 percent of successful health insurance claims in India, and the figure is anticipated to increase by 20 percent in 2025. First, be sure to check whether your preferred hospital is on your insurer’s network.
Wellness programs are on the rise in 2025:
Participating in wellness programs can help diminish your annual premium at renewal while cultivating long-term wellness.
SBI Arogya Premier Plan is most suitable for families that are looking for an affordable health insurance plan, good claims service, and easy benefits.
Read the policy wordings to identify exclusion on a disease by disease basis and compile a list of your specific requirements before finalizing.
Expert Tip: Also always answer medical truthfully during purchase to prevent claim issues down the road. In 2025, insurance companies have streamlined the underwriting process by implementing digital eKYC and health history authentication technologies to speed up the process without sacrificing diligence.
Pre-purchase analysis is also important. Using Indian insurance aggregator sites helps you:
Ms Priya, Mumbai: Priya, a single working woman who has undergone minor surgery, was interested in the pre and post hospitalisation coverage and the global medical treatment offered by the Royal Sundaram Supreme Plan. She settled for a higher sum insured for peace of mind during a stint at work in Singapore.
Mr & Mrs Joshi, Jaipur - A couple of government employees, Mrs Joshi aged 62 years and Mr Joshi aged 63 years, were impressed by the extensive hospital network of SBI Arogya Premier and the convenience of renewal for longer terms in an age-ineligible plan, despite no maternity benefit.
Royal Sundaram Lifeline Supreme Plan covers global treatment for 11 listed critical illnesses.
Yes, both have cashless hospitalization facility in their respective network hospitals.
SBI Arogya Premier comes with general wellness rewards, and Royal Sundaram Lifeline Supreme has more robustness for a healthcare annual check-up.
Yes, as both the plans can accommodate parents and in-laws, they are suitable for joint families.
SBI Arogya Premier Plan is more affordable for senior citizens but Royal Sundaram provides more coverage options for people who need higher sum insured and global treatment.
Both plans include a 30-day waiting period (unless due to an accident).
Yes, it is good to compare products from different companies and read verified user reviews to help you make an informed decision.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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