How does the deductible work in Advanced Top Up?

The policy starts paying only after the selected annual aggregate deductible has been exhausted. The deductible can be met through claims paid by an existing health insurance policy or through eligible hospitalization expenses incurred during the policy year.

What makes Advanced Top Up different from a regular health insurance plan?

Unlike a regular health insurance policy, this plan works as an additional layer of protection that activates after a chosen deductible amount is crossed. This allows customers to obtain higher coverage at a lower premium.

Does the policy cover modern treatments and advanced procedures?

Yes. The plan covers several modern treatments including robotic surgeries, deep brain stimulation, stereotactic radiosurgery, oral chemotherapy, immunotherapy, stem cell therapy, and other advanced procedures up to the sum insured.

Does the policy provide benefits beyond hospitalization?

Yes. The plan includes AYUSH treatment, home care treatment, second opinion for critical illnesses, ambulance cover including app-based cab expenses, organ donor expenses, and Life Protect Benefit for eligible life-threatening conditions.

OneAssure

Health Insurance

Royal Sundaram

Advanced Top Up

Experience India's most trusted health insurance with Royal Sundaram Health Insurance. Get instant cashless treatment at 10000 network hospitals with sum insured up to ₹50 lakhs.

95.9

Claim Settlement Ratio

10000

Network Hospitals

0

Customer Rating

Get a Quote

95.9

Claim Settlement Ratio

10000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: Royal Sundaram Health Insurance

Final Verdict

Advanced Top Up is suitable for customers who already have a health insurance policy and want a cost-effective way to significantly increase their overall health coverage. Its high sum insured options and aggregate deductible structure make it useful for large medical expenses.

About

About Royal Sundaram Health Insurance

Royal Sundaram Advanced Top Up Health Insurance Plan is designed to supplement an existing health insurance policy by providing an additional layer of coverage after a selected deductible amount is exhausted. The plan offers high sum insured options up to ₹1 Crore while keeping premiums relatively affordable compared to buying a large standalone policy. Coverage includes hospitalization expenses, daycare procedures, AYUSH treatments, domiciliary hospitalization, organ donor expenses, ambulance benefits, home care treatment, and modern treatments. The plan is particularly useful for families and individuals who want protection against large or multiple hospitalization expenses during a policy year.

Royal Sundaram Advanced Top Up Health Insurance Plan is designed to supplement an existing health insurance policy by providing an additional layer of coverage after a selected deductible amount is exhausted. The plan offers high sum insured options up to ₹1 Crore while keeping premiums relatively affordable compared to buying a large standalone policy. Coverage includes hospitalization expenses, daycare procedures, AYUSH treatments, domiciliary hospitalization, organ donor expenses, ambulance benefits, home care treatment, and modern treatments....

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Royal Sundaram Insurance Company Limited

Room Rent

Normal: Covered up to Sum Insured
ICU: Covered up to Sum Insured

Co-payment

Not mentioned

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period: 36 Months
Specific Disease/Procedure Waiting Period: 24 Months

AYUSH Treatment

Covered up to Sum Insured

Advanced Treatments

Covered up to Sum Insured

Cashless Healthcare Providers

Not mentioned

Daycare Treatment

Covered up to Sum Insured

Room Rent

Normal: Covered up to Sum Insured
ICU: Covered up to Sum Insured

Co-payment

Not mentioned

Cashless Healthcare Providers

Not mentioned

Exclusions

Not available

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About the company

Ovеrviеw of Royal Sundaram Hеalth Insurancе Royal Sundaram Hеalth Insurancе, a division of Royal Sundaram Gеnеral Insurancе Co. Limitеd, is among India’s most dеpеndablе and customеr-friеndly hеalth insurеrs. Thе company focusеs on providing affordablе and flеxiblе hеalth solutions that catеr to individuals, familiеs, and sеnior citizеns with varying health care needs. With a widе nеtwork of ovеr 10,000 hospitals across thе country, Royal Sundaram еnsurеs quick and hasslе-frее cashlеss trеatmеnts for its policyholdеrs. Thе insurеr is known for its transparеnt claim procеss, innovativе plan options, and long-standing commitmеnt to customеr satisfaction. Its approach combinеs rеliability, simplicity, and valuе, making health...

Ovеrviеw of Royal Sundaram Hеalth Insurancе Royal Sundaram Hеalth Insurancе, a division of Royal Sundaram Gеnеral Insurancе Co. Limitеd, is among India’s most dеpеndablе and customеr-friеndly hеalth insurеrs. Thе company focusеs on providing affordablе and flеxiblе hеalth solutions that catеr to individuals, familiеs, and sеnior citizеns with varying health care needs. With a widе nеtwork of ovеr 10,000 hospitals across thе country, Royal Sundaram еnsurеs quick and hasslе-frее cashlеss trеatmеnts for its policyholdеrs. Thе insurеr...