Overview

The Royal Sundaram health insurance premium chart gives you an estimate of how much you can expect to pay for popular plans like Lifeline Supreme and Lifeline Elite based on your age, sum insured, and family size. 

For example, a healthy 25-year-old individual pays ₹9,797/year for a ₹15 lakh Lifeline Supreme policy, while a ₹25 lakh Lifeline Elite plan costs ₹33,262/year.  

Factors Influencing Your Final Premium: 

  • Sum Insured: Higher coverage results in a higher premium. 
  • Age of Insured: Premiums increase with age. 
  • Coverage Type: Individual and family floater plans have different premium rates. 
  • Policy Term: Multi-year policy terms are cheaper. 
  • Chosen Riders/Add-ons: Optional benefits increase the premium based on selected coverage. 

Royal Sundaram isn't among India's largest health insurers, but it has steadily built a reputation for comprehensive health insurance plans. During FY24-FY26, the insurer recorded an average annual business of around ₹813 crore, compared to the industry average of approximately ₹4,504 crore.

Its flagship Lifeline series remains its most popular offering, available in multiple variants ranging from basic coverage to premium plans with higher limits and broader benefits.

If you're considering buying one, the premium chart discussed in this guide below gives you a realistic estimate of what different age groups can expect to pay.

Need help calculating your health insurance premiums?  Book a call or chat on WhatsApp with Ditto’s advisors now. 

What Is the Royal Sundaram Health Insurance Premium Chart?

The Royal Sundaram premium chart is the insurer's official pricing table that shows the annual premium payable across different:

    • Age groups
    • Sum insured options
    • Family compositions
    • Plan variants

Instead of requesting multiple quotes, you can quickly estimate your expected premium using these tables.

Note: Always check the latest PDF, as rates may change. 

Sample Royal Sundaram Health Insurance Premiums by Age and Sum Insured

Individual Premiums (1 Adult)

Age₹15 Lakh (Lifeline Supreme)₹25 Lakh (Lifeline Elite)
25₹9,797₹33,262
30₹10,575₹36,724
35₹11,539₹40,456
40₹14,968₹44,766
45₹19,988₹49,425

Family Floater Premiums (2 Adults + 1 Child)

Eldest Member Age₹15 Lakh (Lifeline Supreme)₹25 Lakh (Lifeline Elite)
30₹19,860₹60,501
35₹20,304₹65,566
40₹24,628₹68,962
45₹31,912₹77,374

For more profiles or sum insured details, refer to the official Lifeline premium chart on the Royal Sundaram website. 

Lifeline Supreme vs Lifeline Elite Premium Comparison

Although both plans belong to the Lifeline family, their pricing differs considerably.

FeatureLifeline SupremeLifeline Elite
Sum Insured₹5 lakh to ₹1 crore₹25 lakh to ₹1.5 crore
PremiumLowerHigher
CoverageComprehensiveMore extensive
Best Suited ForMost familiesPeople wanting higher coverage and premium benefits

For a healthy 25-year-old, moving from a ₹15 lakh Lifeline Supreme policy to a ₹25 lakh Lifeline Elite policy increases the annual premium from roughly ₹9,800 to ₹33,300 due to the higher sum insured.

Moreover, Elite provides comprehensive benefits, including maternity, OPD, worldwide emergency hospitalization, and specified international treatments. The pre-existing disease waiting period is also 24 months, as compared to Supreme’s 36 months. 

Factors That Affect Your Royal Sundaram Health Insurance Premium

Like every health insurer, Royal Sundaram calculates premiums using multiple underwriting factors.

1) Age

Premiums increase gradually with age since health risks also rise.

2) Sum Insured

Choosing ₹25 lakh or ₹50 lakh coverage naturally costs more than a ₹10 lakh or ₹15 lakh policy.

3) Individual vs. Family Floater

Family floater plans cost more because multiple members share the same cover.

4) Medical History

Pre-existing diseases, BMI, lifestyle habits, and medical disclosures increase premiums after underwriting.

5) Riders

Optional benefits increase the final premium.

6) Location

Premiums may vary by city and applicable zone. For example, Zone 2 is priced 25% lower than Zone 1.

Royal Sundaram Health Insurance Renewal and Customer Support

Renewing your Royal Sundaram health insurance policy is straightforward.

Royal Sundaram Health Insurance Renewal

You can renew:

    • Online through the Royal Sundaram customer portal. Log in using your registered mobile number or policy details to view, manage, and renew your policy. 
    • Through customer support.
    • Via your insurance advisor.

Renewing within the applicable grace period preserves continuity benefits relating to waiting periods and pre-existing disease coverage. 

As per IRDAI guidelines, the insurer provides:

    • A 15-day grace period for monthly premium payments.
    • A 30-day grace period for quarterly, half-yearly, and yearly premium payments.

Customer Support

For policy servicing or claims, you can contact Royal Sundaram through:

    • Customer Care Helpline: 1860 258 0000 or 1860 425 0000 
    • Email Support: care@royalsundaram.in
    • Online Customer Portal
    • Branch Offices: Use Royal Sundaram’s online branch locator to find the nearest office 

For cashless hospitalization, contact the hospital's insurance helpdesk and provide the patient’s e-health card or policy details, medical records, and a valid government ID. The hospital will send the preauthorization request and supporting documents to the TPA assigned to your policy. 

Why Choose Ditto for Health Insurance?

At Ditto, we’ve assisted over 8,00,000 customers with choosing the right insurance policy. Why customers like Pallavi below love us:

Royal Sundaram health insurance premium chart
    • No-Spam & No Salesmen
    • Rated 4.9/5 on Google Reviews by 25,000+ happy customers
    • Backed by Zerodha
    • Dedicated Claim Support Team
    • 100% Free Consultation

Confused about the right insurance? Speak to Ditto’s certified advisors for free, unbiased guidance. Book your call or chat with us on WhatsApp now!

Conclusion

The Royal Sundaram health insurance premium chart is a useful starting point, but it only shows the base rate. Your actual premium can vary depending on the factors we’ve discussed above. 

Before finalizing your plan, compare the premium chart against the coverage details and renewal terms. 

Frequently Asked Questions

Is Royal Sundaram a reliable choice for health insurance despite its small scale?

For FY 24-26, Royal Sundaram maintained an average Claim Settlement Ratio (CSR) of 91% and a complaint volume of 21 per 10,000 claims. Its Incurred Claims Ratio (ICR) for FY 23-25 was 90%. At Ditto, we recommend health insurers with a CSR above 90%, an ICR between 55% and 85%, and a complaint volume of less than 20. While Royal Sundaram is a decent choice, there are better insurers in the market, such as HDFC Ergo, Bajaj General, and Aditya Birla.

How do I log in to my Royal Sundaram health insurance account online?

Visit Royal Sundaram’s VConnect portal and enter the mobile number registered with your policy. Follow the on-screen verification process to access your account. The portal allows you to view and manage policies, complete your Royal Sundaram health insurance renewal, and access policy-related services. You can also use the policy-details login option where applicable.

Is Royal Sundaram Lifeline Elite significantly costlier than Lifeline Supreme for similar cover?

Yes. For a 25-year-old individual, the annual base premium for ₹25 lakh of Lifeline Supreme coverage is ₹11,656, while the annual base premium for ₹25 lakh of Lifeline Elite coverage is ₹33,262. Elite is therefore approximately 185% costlier for the same sum insured. The difference reflects its premium benefits, including shorter pre-existing disease waiting periods and international treatment-related coverage.

Does Royal Sundaram have a higher complaint volume compared to larger health insurers?

Yes, for FY 24-26, Royal Sundaram had a complaint volume of 21 complaints per 10,000 claims. On the other hand, larger insurers like HDFC Ergo, Bajaj General, and Aditya Birla reported 9, 4, and 19 complaints, respectively.

Can I pair a Royal Sundaram Lifeline plan with an Advanced top-up policy for more cover at lower cost?

Yes, you can pair your Lifeline plan with the Advanced top-up plan. It can supplement a Lifeline policy after claims cross the selected annual aggregate deductible. For example, an individual aged 26–45 can get a ₹45 lakh top-up with a ₹5 lakh deductible for a base premium of ₹2,494. Ideally, choose a deductible that your Lifeline policy or personal savings can comfortably cover.

What is Royal Sundaram's customer care number for policy or claim-related queries?

You can contact Royal Sundaram health insurance customer care at 1860 258 0000 or 1860 425 0000. You may also email care@royalsundaram.in. Health claim support is available from 8:00 AM to 9:00 PM, Monday through Saturday, and from 8:00 AM to 5:00 PM on Sundays.

Does the Royal Sundaram premium increase sharply after a claim on renewal?

No. Renewal premiums do not change based on an individual policyholder’s claims experience. However, your premium may still increase because of age, movement into a higher age band, policy-wide premium revisions, or changes to your coverage.

How can I check the Royal Sundaram health insurance hospital list?

Use Royal Sundaram’s online cashless-hospital locator and search by city or hospital name. Check the active network immediately before planned treatment because hospital empanelment can change. A hospital’s presence in the network permits cashless-request processing but does not guarantee claim approval.

Last updated on: