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Last updated on: May 20, 2025
The Royal Sundaram Lifeline Supreme Plan and Star Smart Health Pro Plan are both comprehensive health insurance options, but they differ in key areas. The Lifeline Supreme Plan offers higher maximum sum insured (up to ₹50 lakh), worldwide emergency cover, maternity benefits, and a range of wellness services, making it suitable for families seeking extensive protection and value-added features. In contrast, the Star Smart Health Pro Plan provides affordable coverage (up to ₹1 crore), unique features such as automatic recharge of sum insured, and coverage for modern treatments, making it a solid choice for individuals or families looking for high sum insured with essential benefits. Ultimately, Royal Sundaram is ideal for those wanting comprehensive domestic and global coverage with additional perks, while Star Health stands out for its high coverage limit with straightforward benefits and affordability.
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Read BioHealth insurance is no longer a luxury, it is a necessity in every Indian family, particularly in 2025 when a growing medical bill can strike any person. Royal Sundaram Lifeline Supreme Plan and Star Smart Health Pro Plan are two of the best available in the present market. One thing that you need to know when you are deciding which one should be bought on behalf of your family or on behalf of your self is the benefits as well as the restrictions and the uses of the same.
This short article provides an easy and practical justification making the comparison between the two health insurance plans an easy task using facts, tables and real life examples that will enable you to select the most appropriate health insurance plan that fits your needs.
Royal Sundaram Lifeline Supreme Plan is a well-known health insurance plan. It is a mid-range product between the Classic and Elite but with good coverage and a number of features not found in any other products intended for individuals and families.
Pros
Cons
Lifeline Supreme Plan includes day care treatment?
Yes, there are almost 586 procedures that fall under this plan in 2025 in the day care.
Did you know?
More than 28 percent of the claims made under Royal Sundaram Lifeline Supreme Plan are non-communicable diseases in 2024[1].
Star Health has a popular mid-range health insurance policy known as the Star Smart Health Pro Plan. This plan features modern Indian families and targets individuals who wish not only to have hospitalization coverage, but also day-to-day healthcare benefits.
Pros
Cons
Is dental care covered in Star Smart Health Pro Plan?
Yes, but only on accidental dental injuries and some OPD expenses, on policy terms.
Expert Insight:
Star Smart Health Pro Plan is a mixed Med and digital plan preferred by many young policyholders because of its rapid claim settlements.
You should verify side-by-side comparisons since the needs of your family may not be the same as that of another person. A summary of the two 2025 plans is given below.
| Price | Royal Sundaram Lifeline Supreme | Star Smart Health Pro |
|---|---|---|
| Sum Insured Options | 5 lakh - 3 crore | 5 lakh - 1 crore |
| Room Rent limit | No limit | limited in lower slabs. |
| Pre and Post Hospitalisation | 60/180 days | 60/180 days |
| Daycare Procedures | 586+ | All the medical procedures. |
| Maternity Cover | Yes (after waiting period) | Yes (select variants) |
| Renewal | Lifelong | Lifelong |
| No-Claim Bonus | Up to 150 percent | Up to 100 percent |
| Restoration Benefit | Yes (100 percent) | Yes (100 percent) |
| Ayush Treatments | Covered | Covered |
| Domiciliary Hospitalisation | Covered | Covered |
| Vaccination/OPD Benefits | Yes (select limits) | Yes (annual limits) |
| International Treatments | Yes (Elite variant) | No |
| Online Wellness Resources | Remarkably Scarce. | |
| Mean Turnaround on Claims (2025) | 7-8 days | 3-6 days |
Which is better health wise, Royal Sundaram or Star Health?
Star Health Smart Health Pro Plan would offer more digital wellness and annual check ups, but Royal Sundaram would be more focused on the classic wellness rewards and vaccinations.
Amit is a businessman in Mumbai who chose the Royal Sundaram Lifeline Supreme Plan because of its international critical illness option. In the meantime, Priya in Bangalore selected Star Smart Health Pro as she desired comfort of having tele-consultation with her parents and benefits of being monitored by a nurse on a regular basis.
In India, health insurance is changing at a rapid pace and most policies now have helpful add-ons.
Both providers renew their add-ons on an annual basis and it is therefore important to review the latest brochure before making a decision.
Am I able to purchase riders on both plans?
Yes, the two schemes allow you to add riders such as critical illness insurance, accident insurance, and an increased room rate at an additional premium.
Expert Insight:
Products such as critical illness gain more value with the changing lifestyles and increased risk of diseases in India.
Experience in claim settlement and support is often one of the determining factors.
Did you know?
Industry data show that 70% of cashless claims on Star Smart Health Pro Plan are paid in five days in 2025.
Do you have customer support on Sundays?
Yes, insurers have online and app-based 24x7 support of claims and enquires.
Example 1: Sunita is a 35-year-old IT professional based in Pune who wanted a plan that includes new age treatments and OPD. She has contrasted various options offered by online marketplaces and identified Star Smart Health Pro that best aligns with her digital lifestyle.
Example 2: Prem and Anu are a couple in Delhi who have a baby on the way and maternity and new-born benefits were of more importance to them, and they settled on the Royal Sundaram Lifeline Supreme Plan due to its extensive coverage and vaccination benefits up to the age of 12 years.
The policy environment of health insurance is dynamic and constantly changing with yearly premium adjustments, the addition of new benefits, and bonus increases. You can use well known online markets to:
This will save you time as well as money and will guarantee you a policy that best suits you in 2025.
Question: Of all health insurance plans, which Indian hospitals are covered by in 2025?
A: Star Smart Health Pro Plan is provided under broader network coverage of hospitals with more than 14,000+ network compared to 11,000+ network of Royal Sundaram (2025).
Q: When can I claim the maternity expenses after buying the policy?
A: Both plans have a waiting period (between 2 and 4 years) after which the maternity expenses are covered up to plan limit.
Q: Does such plans include pre-existing diseases?
A: Yes however after a waiting period, which is usually 2-3 years based on the terms of the plan.
A: May I reclaim my sum insured on both policies?
A: Two Royal Sundaram Lifeline Supreme and Star Smart Health Pro Plan offer 100 percent restoration benefits after exhaustion of original sum insured.
Q: Which is the better plan between young families?
A: Both are good, however, to get better maternity and more vaccination and coverage on new born, Royal Sundaram covers it all. Star Smart Health Pro is the best choice when it comes to preventive health and digital wellness.
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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