Are non-medical expenses reimbursed?

No. Only medical expenses related to hospitalization and treatment are covered. Non-medical costs like meals, travel, or accommodation are not eligible.

What is the Royal Sundaram Super Top-up Health Insurance Plan?

The Royal Sundaram Super Top-up Health Insurance Plan is a supplementary health cover that provides additional protection when your base health insurance limit is exhausted. It helps manage high medical costs affordably.

Are day-care procedures covered?

Yes. Medical treatments that require less than 24 hours of hospitalization are covered under the Royal Sundaram Super Top-up Health Insurance Plan.

What is covered under this plan?

The plan covers hospitalization, day-care procedures, pre- and post-hospitalization expenses, and certain critical illnesses as specified in the policy.

What is the age eligibility?

Minimum entry age: 18 yearsMaximum entry age: 65 yearsRenewal age: Up to 75 years, depending on the policy

How do I make a claim under this plan?

Cashless Claim: Available at network hospitals. Notify Royal Sundaram, provide ID and policy details, complete pre-authorization, and the hospital settles the approved bill directly.Reimbursement Claim: Pay the hospital bills, collect all medical documents, submit a claim form, and Royal Sundaram reimburses eligible expenses.

Can I change coverage or deductibles?

Yes. You can review your plan during renewal to increase coverage, adjust deductibles, or add/remove family members.

How is the premium calculated?

Premiums depend on your age, sum insured, family size, and chosen deductible. A personalized quote is provided before purchasing the plan.

Can I include my family members?

Yes. You can add your spouse, children, and dependent parents to the Royal Sundaram Super Top-up Health Insurance Plan under a single policy.

Who is eligible for this plan?

Individuals, families, and existing health insurance policyholders can buy this plan. It is suitable for anyone looking for higher coverage without paying a high premium.

Are pre-existing conditions covered?

Yes, but pre-existing diseases are subject to a waiting period, generally 24–36 months, depending on the illness and policy terms.

How do I buy this plan?

You can purchase it online via Royal Sundaram’s website or through advisors. Submit KYC documents, make payment, and your policy is issued immediately.

Is there a grace period for late renewal?

Yes. Royal Sundaram offers a grace period to renew the policy without losing benefits or continuity.

How do I renew my Royal Sundaram Super Top-up Health Insurance Plan?

Renewal reminders are sent before the expiry date via email, SMS, and calls. You can renew online or through customer support to maintain uninterrupted coverage.

Can I port my existing health insurance to Royal Sundaram?

Yes. You can port your current health insurance policy to Royal Sundaram and continue coverage seamlessly with a Super Top-up plan.

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Top Up Plan

Royal Sundaram Super Top-up Health Insurance Plan

Why is Super Top-Up a Smart Choice?
A Super Top-Up is smart because it gives you high additional coverage at a much lower premium than a regular health insurance plan.

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95.9%

Claim Sеttlеmеnt Ratio (FY 2023-24)

10,000+

Nеtwork Hospitals Across India

Ovеr 25 Lakh

Claims Sеttlеd Sincе Incеption

Cashlеss

Claim Procеssing Within 2 Hours

Our Verdict

Our Verdict on Royal Sundaram Super Top-up Health Insurance

Pros

Flexible deductible options that match different budgets and base policies.

Wide network of 10,000+ hospitals for easy access to treatment.

Fast cashless claim processing within 2 hours.

Offers high coverage at very affordable premiums.

Cons

Non-medical expenses are not covered, increasing out-of-pocket costs.

Some modern treatments may require additional approval.

Coverage features vary by plan, which may confuse first-time buyers.

Pre-policy medical tests may be required for higher ages.

Pros

Flexible deductible options that match different budgets and base policies.

Wide network of 10,000+ hospitals for easy access to treatment.

Fast cashless claim processing within 2 hours.

Offers high coverage at very affordable premiums.

Cons

Non-medical expenses are not covered, increasing out-of-pocket costs.

Some modern treatments may require additional approval.

Coverage features vary by plan, which may confuse first-time buyers.

Pre-policy medical tests may be required for higher ages.

Final Verdict

Royal Sundaram Super Top-up Health Insurance is a strong choice for anyone looking to increase their health coverage without paying high premiums. The plan offers solid benefits like affordable pricing, flexible deductibles, and a wide cashless hospital network. Its fast claim processing and comprehensive hospitalization coverage make it especially useful...

Royal Sundaram Super Top-up Health Insurance is a strong choice for anyone looking to increase their health coverage without paying high premiums. The plan offers solid benefits like affordable pricing, flexible deductibles, and a wide...

Royal Sundaram Super Top-up Health Insurance Plan

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

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

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

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

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

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

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

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

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

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

Super Top Up

Factors to Consider While Buying Royal Sundaram Super Top Up Mediclaim Policy

Assess Your Existing Coverage

Review your current health insurance to see if it sufficiently covers rising medical costs. A Super Top-up is useful if your base sum insured is likely to fall short.

Choose the Right Deductible

Select a deductible that balances your financial comfort. Higher deductibles reduce premiums but increase out-of-pocket expenses before the policy activates.

Consider Your Family Size

A family floater plan is cost-effective for multiple members, offering shared coverage under a single policy.

Evaluate Health Needs

Ensure the policy covers specific medical requirements, particularly if you or your dependents have ongoing conditions.

Check Premium Affordability

Pick a premium structure that fits your budget. Aim for adequate coverage without creating financial strain.

Assess Your Existing Coverage

Review your current health insurance to see if it sufficiently covers rising medical costs. A Super Top-up is useful if your base sum insured is likely to fall short.

Choose the Right Deductible

Select a deductible that balances your financial comfort. Higher deductibles reduce premiums but increase out-of-pocket expenses before the policy activates.

Consider Your Family Size

A family floater plan is cost-effective for multiple members, offering shared coverage under a single policy.

Evaluate Health Needs

Ensure the policy covers specific medical requirements, particularly if you or your dependents have ongoing conditions.

Check Premium Affordability

Pick a premium structure that fits your budget. Aim for adequate coverage without creating financial strain.

Super Top-Up

Inclusions & Exclusions of Royal Sundaram Under Super Top Up Health Insurance Plan

Here are the main coverages included and and exclusions of Royal Sundaram health insurance super top up:

Inclusions

Hospital room rent, ICU charges, doctor fees, and surgery costs.

Ambulance charges for emergency transport to the hospital.

Coverage for pre-existing conditions after the waiting period.

Post-hospitalization medical expenses (usually 60–90 days).

Pre-hospitalization medical expenses (usually 30–60 days).

Day-care procedures that do not require 24-hour hospitalization.

Hospitalization expenses for illnesses and accidents.

Exclusions

Outpatient treatment without hospitalization, routine check-ups, or vaccinations.

Expenses related to fertility treatments, pregnancy, or childbirth (unless specified).

Experimental treatments or procedures not recognized by medical authorities.

Injuries due to substance abuse or alcohol consumption.

Self-inflicted injuries or attempted suicide.

Non-medical expenses such as food, toiletries, and guest accommodations.

Cosmetic or aesthetic treatments not medically necessary.

Inclusions

Hospital room rent, ICU charges, doctor fees, and surgery costs.

Ambulance charges for emergency transport to the hospital.

Coverage for pre-existing conditions after the waiting period.

Post-hospitalization medical expenses (usually 60–90 days).

Pre-hospitalization medical expenses (usually 30–60 days).

Day-care procedures that do not require 24-hour hospitalization.

Hospitalization expenses for illnesses and accidents.

Exclusions

Outpatient treatment without hospitalization, routine check-ups, or vaccinations.

Expenses related to fertility treatments, pregnancy, or childbirth (unless specified).

Experimental treatments or procedures not recognized by medical authorities.

Injuries due to substance abuse or alcohol consumption.

Self-inflicted injuries or attempted suicide.

Non-medical expenses such as food, toiletries, and guest accommodations.

Cosmetic or aesthetic treatments not medically necessary.

Royal Sundaram Super Top-up Health Insurance Plan

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Super Top-Up

Claim Process for Royal Sundaram Super Top-up Health Insurance Policy

1-5 of 6 Process

Super Top-Up

How to Renew Royal Sundaram Super Top-up Health Insurance Premium

Super Top-Up

How to Buy Royal Sundaram Super Top-up Health Insurance Plan

1-5 of 7 Steps

Super Top Up

Still Confused? Get Expert Guidance

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.