Can I reduce the waiting period for pre-existing diseases?

Yes. The plan offers a Pre-existing Disease Waiting Period Waiver Add-on that allows policyholders to reduce the waiting period applicable to pre-existing conditions. The exact reduction depends on the selected add-on terms.

What makes NeXT Gen different from regular health insurance plans?

The plan offers 11 optional add-ons that allow customers to customize benefits such as room rent, reload limits, OPD cover, wellness services, home treatment, maternity discounts, and pre-existing disease coverage. This flexibility is the key differentiator of the product.

How does the Reload Benefit work?

The base plan provides a reload benefit of up to 100% of the base sum insured after the base sum insured and no claim bonus are exhausted. The reload can be used for a different illness or complication and is not available for the first claim of the policy year.

What is the ABCD Add-on Cover?

The ABCD Add-on Cover provides hospitalization coverage for Asthma, High Blood Pressure, High Cholesterol, and Diabetes during the pre-existing disease waiting period. Coverage becomes available from the 31st day onwards as per policy conditions.

OneAssure

Health Insurance

Royal Sundaram

NextGen

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

NeXT Gen is a customizable health insurance plan built around flexibility. Its major strength lies in the wide range of add-ons that allow customers to tailor coverage according to their health needs and budget.

About

About Royal Sundaram Health Insurance

Royal Sundaram NeXT Gen Health Insurance Plan is designed for customers seeking flexibility and customization in their health insurance coverage. The plan provides hospitalization coverage, modern treatments, organ donor expenses, domiciliary hospitalization, annual health check-ups, and reload benefits. What differentiates the product is its extensive set of 11 optional add-ons that allow policyholders to customize waiting periods, room rent limits, OPD benefits, wellness services, home treatment coverage, maternity discounts, and disease-specific benefits. The plan is particularly suited for younger customers who want affordable base coverage with the ability to enhance protection over time.

Royal Sundaram NeXT Gen Health Insurance Plan is designed for customers seeking flexibility and customization in their health insurance coverage. The plan provides hospitalization coverage, modern treatments, organ donor expenses, domiciliary hospitalization, annual health check-ups, and reload benefits. What differentiates the product is its extensive set of 11 optional add-ons that allow policyholders to customize waiting periods, room rent limits, OPD benefits, wellness services, home treatment coverage, maternity discounts, and disease-specific benefits. The plan is...

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: Single Private AC Room
ICU: Covered up to Sum Insured

Advanced Treatments

Modern Treatments Covered up to Sum Insured

Co-payment

No mandatory co-payment in base plan

Cashless Healthcare Providers

Not mentioned — verify from policy wordings

Waiting Period

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

Daycare Treatment

Covered up to Sum Insured

AYUSH Treatment

Not mentioned — verify from policy wordings

Room Rent

Normal: Single Private AC Room
ICU: Covered up to Sum Insured

Advanced Treatments

Modern Treatments Covered up to Sum Insured

Co-payment

No mandatory co-payment in base plan

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...