🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: May 20, 2025
The Royal Sundaram Lifeline Supreme Plan and SBI Arogya Supreme Plan are both comprehensive health insurance policies, but they cater to differing needs. Royal Sundaram Lifeline Supreme offers extensive coverage up to ₹50 lakh, includes features like no-claim bonus, worldwide emergency cover, annual health check-ups, and both domiciliary and maternity benefits. In contrast, SBI Arogya Supreme Plan provides customizable sum insured options up to ₹5 crore, 20+ additional benefits including wellness features, and shorter waiting periods for specified ailments. While Royal Sundaram is ideal for those seeking global and wellness coverage, SBI’s plan stands out for high coverage limits and a variety of add-ons. Choosing between them depends on whether you prioritize global coverage and annual bonuses (Royal Sundaram) or higher sum insured choices and extensive add-ons (SBI Arogya).
Author
Read Bio
Reviewed by
Read BioInvesting in the right health insurance policy is an important decision for any Indian family. In 2025, two market-leading plans - Royal Sundaram Lifeline Supreme Plan and SBI Arogya Supreme Plan - have arrived as market leaders in the health insurance market. Both have a variety of benefits for different needs, but they have different features, pros, and a few cons.
In this article, we will compare Royal Sundaram Lifeline Supreme Plan vs SBI Arogya Supreme Plan. From comprehensive features to services available, you can find pros and cons, key inclusions, and expert insights to help you make an informed decision for your health and financial security.
Royal Sundaram Lifeline Supreme Plan and SBI Arogya Supreme Plan are the all-inclusive health insurance plans for Indian families. They include hospitalisation, surgery costs, critical illness and many value-added services. While both are tailored for individuals and families, their coverages, premiums and features are set up differently.
What these two policies have in common is their flexibility and how well they fit existing healthcare needs, claims procedures, and customer service in 2025. There is a lot of discussion among reviewers and policyholders about which plan offers the best value, flexibility, family coverage, and customer-centric features.
| Feature | Royal Sundaram Lifeline Supreme Plan | SBI Arogya Supreme Plan |
|---|---|---|
| Sum Insured Options | 5 lakh to 50 lakh | 3 lakh to 5 crore |
| Entry Age Range | 18 to 65 years (children: 91 days to 25 years) | 18 to 65 years (children: 3 months onwards) |
| Hospitalisation Cover | All costs (room rent, ICU, surgeries) | All major in-patient treatments |
| Day Care Procedures | 527+ procedures covered | 540+ procedures covered |
| Pre/Post Hospitalisation | 60/180 days | 60/90 days |
| Restore Benefit | Automatic Sum Insured Restore (100 percent) | Fully restores sum insured |
| Maternity Cover | Available (following 3 year waiting period) | Add on (optional, benefits only) |
| No-Claim Bonus | Up to 20% of sum insured per annum (max 100%) | 15% of sum insured per annum (max 100%) |
| Critical Illness Add-on | Available | Available |
| Domiciliary hospitalisation | Yes | Yes |
| OPD Cover | Included under Health Check-up Package (as an optional cover) | - |
| Wellness Benefits | - | Available reward program with wellness benefits |
| Policy Renewal | Lifelong | Lifelong |
| Cashless Network Hospitals | 12,000+ | 20,000+ hospitals |
| Claim Settlement Ratio (2023-24) | 94 percent | 96 percent |
All benefits and data based off 2025 health insurance market updates.
Royal Sundaram Lifeline Supreme Plan is a mid-premium all-round mediclaim product. It is best for city families who want a range of cover, a high room rent limit, and additional health checks.
This plan is ideal for salaried professionals, business families or nuclear families who wish to have a good healthcare cover at reasonable premiums. It is most useful for those families who need maternity benefits, regular health check-up and easy payout of sum-insured.
Did you know?
Royal Sundaram was the first private insurer in India to launch cashless claims. Their solutions are highlighted as having claims processes and digital support that are easy to understand in 2025.
SBI Arogya Supreme Plan is a flagship health insurance plan designed for multiple Indian demographic profiles such as middle income, affluent and the elderly. Its USP is the high sum insured options offered, and the wide range of customization.
SBI Arogya Supreme can be used for big families, senior parents, and urban Indians who want maximum coverage. It is attractive to those seeking flexibility in add-ons such as critical illness, OPD, maternity and wellness.
People Also Ask:
Q: Is SBI Arogya Supreme Plan Available for NRI families?
A: Yes, NRI with Indian residential and address can buy the plan for their dependents.
| Parameter | Royal Sundaram Lifeline Supreme | SBI Arogya Supreme |
|---|---|---|
| Minimum Sum Insured | 5 lakh | 3 lakh |
| Maximum Sum Insured | 50 lakh | 5 crore |
| Average Premium (Family, 2A+2C, Age 35) | ₹18,500/year | ₹20,600/year |
| Add-on Options | Maternity, Critical Illness, OPD | Critical Illness, Maternity, etc. |
Premiums approximate for FY 2024-25, may vary by city, age, and combination.
Expert tip: Read waiting period clauses carefully. If you have chronic or lifestyle diseases, ask whether you can continue from prior plans in both.
This is a huge reason for people who reside outside of the metro or travel frequently.
Did you know?
Market reviews suggest that, in 2025, over 60 per cent of SBI Arogya Supreme users have availed digital wellness rewards and preventive health benefits.
Ramesh, a 42-year-old IT professional based in Bangalore, compared the two plans for his family (wife + 2 children). He found that:
Finally, Ramesh chose SBI Arogya Supreme because of its flexibility with regards to his large family and the location options available to them. But if he did not require a parapet or such a sizable sum insured, Royal Sundaram would be adequate and a little cheaper for a nuclear metro family.
People Also Ask:
Q: What is the better maternity plan in 2025?
A: Royal Sundaram has base maternity benefits where you have a waiting period, while SBI Arogya Supreme has maternity as an add-on.
Expert insight:
If you have a large family with many generations to care for or you suspect that your health costs will be high, a policy with a larger sum insured and wider coverage network may be more suitable for you in case of unforeseen medical emergencies.
When comparing policies like Royal Sundaram Lifeline Supreme vs SBI Arogya Supreme, use online insurance marketplaces that give you the chance to compare features, premiums, inclusions and exclusions from various insurance brands in one place. This allows you to uncover hidden perks, special promotions, and user experiences that are shared by real users.
Based on family size, city/town, sum insured required, add-on requirement, hospital network, value on wellness/health rewards.
Arpita (34), from Pune, needed insurance for her family. She compared Royal Sundaram vs SBI Arogya through an online comparison website. There were no significant predisposing illnesses in the family, but she wished for a plan with good access to the hospital near her parents’ residence in Nagpur. The SBI Arogya network was superior but Royal Sundaram was cheaper. When she decided to start a family, the inbuilt maternity cover provided in Royal Sundaram Supreme’s base plan provided an added advantage for her. For her, peace of mind on maternity and predictability of claim process were important more than hospital network. She purchased Royal Sundaram Lifeline Supreme.
Q: Is both plan cashless at all hospitals?
Both have cashless acceptance at network empanelled hospitals. Check whether your hospital of choice is on the company’s current list.
Q: Can I top up these plans?
A: Yes, under both schemes sum-insured top-ups are possible at an additional cost (subject to medical underwriting).
Q: What Will Happen With The Claim Settlement Process In 2025?
Yes, they both have digital claims through an app or email. Settlement (in most cases): can be expected within 3-7 working days after receipt of all documents.
Q: Can I claim Covid-19 under the two policies in the year 2025?
Answer: Yes, both cover Covid-19 related hospitalisation but except does not include home isolation without hospitalisation.
Q: Can I switch/port my existing mediclaim to SBI/Royal Sundaram?
A: Yes, porting is permitted as per IRDAI rules during renewal window and continuity of waiting period is provided.
The Royal Sundaram Lifeline Supreme and SBI Arogya Supreme are two powerful and contemporary health insurance plans for 2025, each with its own set of unique strengths. Which one would suit you best would be dependent upon your family’s individual needs, the city you live in, health goals, and financial priorities. Remember, with online policy comparison tools, you save time, and make better decisions based on real-time product features and customer stories.
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).
Loved by 1M+ users. Start your financial journey today!
