Advanced Top Up Health Insurance Plan

Get MUCH MORE for less!

Get a 1Cr Health Insurance coverage without medical tests at as low as ₹7* per day!

Advanced Top Up Health Insurance Plan
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Claims Settlement

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*Coverage for 95 Lakhs top-up plan with a deductible of 5 Lakhs for 25 years old with no existing health condition

Product Highlights

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Wide options of top up sum insured options such as 95 / 90 / 85 / 80/ 75 / 45 / 40 Lakhs so that you can reach a cover of 50 Lakhs / 1 Crore along with your base policy.
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Buy a top up plan in 5 mins without medical tests & answering just 2 medical questions**
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Extremely affordable premiums to enhance your health insurance coverage to 50 Lakhs or 1 Crore.

** If answer to any question is YES then case will be referred to underwriting for a tele call by our doctor

What is an Advanced Top Up Health Insurance Plan?

Advanced Top Up Health Insurance Plan covers you over and above the base health insurance plan and will come to your rescue once your base plan is completely utilised. You can claim multiple times in a year once your base health cover is utilised completely.

Key features

One of the most comprehensive and affordable Top up plans in the market without any room rent capping or sub limits and has all the basic features such as inpatient treatment, ICU, Ayush treatment, pre-post hospitalization, donor expenses, etc.

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Option to reduce pre-existing Disease waiting period from 36 months to 24 months
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No restrictions on modern treatment
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Life protect benefit which provides you 10% additional sum insured at no extra cost in case you exhaust your sum insured
Day care treatment - Icon
All day care treatment are covered

Key Benefits of Advanced Top Up Health Insurance Plan

Inpatient Care Inpatient Care
Inpatient Care - Icon

Inpatient care is provided in a hospital where patients must be admitted for at least one or more nights depending on their condition.

  • It will include all the expenses like room rent, boarding, and nursing expenses as provided by the hospital / nursing home.
  • Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses.
  • Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees whether paid directly to the treating doctor / surgeon or to the hospital.
  • Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities, and similar other expenses.
Modern Treatment Modern Treatment
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The modern treatment mainly includes Uterine Artery Embolization and HIFU (High intensity focused ultrasound) Balloon Sinuplasty, Deep Brain Stimulation, Oral Chemotherapy, Immunotherapy - Monoclonal Antibody to be given as an injection, Intravitreal injection, Robotic surgeries, Stereotactic radio surgeries, Bronchial Thermoplastic, Vaporisation of the prostrate (Green Laser Treatment or Holmium Laser Treatment), IONM - (Intra Operative Neuro Monitoring), Stem Cell Therapy: Hematopoietic Stem Cells for bone marrow transplant and haematological conditions to be covered.

Pre-Hospitalisation Pre-Hospitalisation
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It includes all the expenses which are incurred before the patient is hospitalised due to certain diseases.

The company shall cover all types of Pre-hospitalisation medical expenses that are mainly related to an eligible hospitalisation requiring inpatient care for a fixed period of 60 days before the date of hospitalisation covered as per the insurance policy.

Post Hospitalisation Post Hospitalisation
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Post hospitalisation expenses include all the medical expenses incurred by the patient once the patient has been discharged from the hospital.

The company shall pay for the post-hospitalisation medical expenses incurred related to an eligible hospitalisation requiring inpatient care, for a fixed period of 90 days. It is from the date of discharge from the hospital, following an admissible hospitalisation covered under the policy.

Day Care Treatments Day Care Treatments
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Day care treatments include treatment procedures that require hospitalisation for less than 24 hours.

We will cover the medical expenses of an insured person up to the sum Insured in case of any medically necessary day care treatment or surgery that requires less than 24 hours of hospitalisation. Any OPD treatment undertaken in a hospital / day care center will not be covered.

Pre and Post-hospitalisation medical expenses are payable up to 30 days under this policy.

Organ Donor Expenses Organ Donor Expenses
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We will cover inpatient care medical expenses towards the donor for the harvesting of the organ donated. organ donor expenses will be covered within the sum Insured for the patient who has been insured with us, i.e., the recipient of the organ (who is undergoing the transplant).

  • the organ donor is any person in accordance with the Transplantation of Human Organs Act, 1994 and other applicable laws.
  • the organ donated is for the use of the insured person who has been asked to undergo an organ transplantation on medical advice.
  • we have admitted a claim towards inpatient care.
Domiciliary Hospitalisation Domiciliary Hospitalisation
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Domiciliary hospitalisation can be opted by the patient when they are not in a state to be moved to hospital. Due to this, the patient takes treatment at home.

We will cover medical expenses up to the sum Insured for medical treatment taken at home if this continues for an uninterrupted period of 3 days. The condition for which treatment is taken would otherwise have necessitated hospitalisation as long as either.

  • the attending medical practitioner confirms that the insured person could not be transferred to a hospital or
  • the insured person satisfies us that a hospital bed was unavailable.
  • if a claim has been accepted under this benefit, the claims for pre and post-hospitalisation medical expenses are payable up to 30 days under this benefit.
Ayush Treatment Ayush Treatment
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The company shall indemnify medical expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy (AYUSH) systems of medicine during each policy year up to the sum insured in any AYUSH Hospital.

Ambulance Cover, Including App-based Cab Cover Ambulance Cover, including App-based Cab Cover
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We will cover reasonable and customary charges for ambulance expenses that are incurred towards transportation of an insured person by surface transport following an emergency to the nearest hospital with adequate facilities.

We will also cover charges for app-based cabs service incurred towards transportation of an insured person when getting admitted to the Hospital.

Second Opinion for Critical Illness Second Opinion for Critical Illness
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We will provide you with a second opinion from a medical practitioner if an insured person is diagnosed with a critical illness during the policy period. The expert opinion would be directly sent to the insured person.

Home Care Treatment Home Care Treatment
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We shall cover the treatment expenses for the insured person's treatment at their home in case of pandemic / endemic / any other exceptional circumstances.
Home Care Treatment is limited up to 50,000 per event per insured person and 1 Lakhs per policy year, per insured person.

Life Protect Benefit Life Protect Benefit
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In the event of a life-threatening condition, if the sum Insured becomes insufficient, we will give an additional amount for any claim admissible up to the limits specified in the policy. This additional amount is denoted as the life protect benefit.

  • This benefit is available only in the event of a life-threatening condition.
  • Certification by the treating medical practitioner of such a life-threatening emergency condition is necessary.
  • Our maximum liability will be limited to 10% of the sum Insured per policy year.

Why Buy Advanced Top Up Health Insurance Plan by Royal Sundaram?

If you have an existing base policy with Sum insured from 5 Lakhs to 25 Lakhs, you can conveniently choose Sum Insured options under Top up plan to increase your total coverage to 50 Lakhs / 1 Crore. For example 5+45 Lakhs, 5+95 Lakhs, 10+40 Lakhs and 10+90 Lakhs, etc.

It is beneficial to buy a health insurance top-up plan from Royal Sundaram because the company offers fantastic benefits to the policyholders. The insurer offers everything from inpatient care to Post-hospitalisation expenses. Generally, insurance companies do not provide home care treatment allowances. Still, Royal Sundaram covers the treatment expenses for the insured person's treatment at their house, especially in the case of a pandemic.

The only clause here is that the home care treatment is limited to just rupees 50,000. The only reason you should consider buying insurance from us is that we have a special coverage that is a life protection benefit. Even if there is an insufficient sum insured, we will provide some additional amount for the claim. This claim is available only for life-threatening conditions.

Lastly, the premium charged is quite nominal, so you don't have to burn a hole in your pocket to have a health insurance cover. You can get maximum health cover at minimum rates when you choose our top-up medical insurance. The claim procedure with us is seamless, so you don't have to wait for endless months or days to get your claim.

How is Royal Sundaram Advanced Top up Health Insurance plan different?

  • We have scientifically designed this product so that you can conveniently choose Sum Insured options to increase your sum insured to 50 Lakhs or 1 crore

  • While we understand that you may not require in the next few years and we expect our customers to live longer & enjoy life to the fullest

  • In India the life expectancy has gone up because of improvement in health infrastructure

  • Once you buy Advanced Top up which comes to you without any medical tests and by answering 2 health questions, you get a very comprehensive cover without any sublimits or capping. You get peace of mind that you will never ever need to worry about sum insured when accessing best health care facility in India or saving precious life of your / your family members / friends

Who Should Buy Royal Sundaram’s Advanced Top Up Health Insurance Plan?

The Policy can be availed for self and the following family members:

Spouse - Icon
Legally wedded spouse.
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Parents and parents-in-law.
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Children / Dependent children (i.e., natural or legally adopted) between 3 months to 25 years of age.
Adults Age - Icon
Adult: Minimum entry age is 18 years, and the maximum entry age is 65.

The Policy can be purchased individually or on a family floater basis. In the case of a family floater policy, one family will share a single Sum Insured as opted. A floater plan can cover self, spouse, and dependent children up to 25 years. Therefore, a floater cover can protect 2 adults and four dependent children under a single policy. Only one member can be covered under an individual Sum Insured policy. Customers can buy the policy for one, two, or three straight years.

What is Covered Under Royal Sundaram's Advanced Top Up Health Insurance Plan?

Several things are covered under Royal Sundaram's advanced top health insurance plan.

Inpatient Care Covered - Icon
First, it includes inpatient care under which room rent, boarding, and nursing expenses are covered. It has all those fees of the specialists or consultants treating the patient.
Modern Treatment - Icon
Furthermore, it also includes the modern treatment given to the patient like high intensity focused ultrasound, oral chemotherapy immunotherapy, antibody injections, etc.
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The company also indemnifies the pre-hospitalisation expenses incurred related to the admissible hospitalisation requiring the patient care.
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It also has a post-hospitalisation cover, which includes all the costs related to post-hospitalisation.

What is Not Covered Under Royal Sundaram's Advanced Top Up Health Insurance Plan?

The Company shall not be liable to make any payment under the policy in connection with or in respect of the following expenses till the expiry of the waiting period mentioned below:

Pre-Existing Diseases

Expenses related to the treatment of a Pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with us. Pre-existing diseases can be classified as those ailments or disorders that an individual is afflicted by before the date on which new health coverage starts as per the policy.

30 Days Waiting Period

Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising from an accident, provided the same are covered.

Specific Waiting Period

Expenses related to the treatment of the following listed conditions, surgeries / treatments shall be excluded until the expiry of 24 months of continuous coverage, as may be the case after the inception date of the first policy with the insurer. The exclusion shall not be applicable for claims arising due to an accident.

A list of specific diseases / procedures is as under:

  • Cataract
  • Hysterectomy for any benign disorder
  • Knee / Hip Joint replacement
  • Benign Prostatic Hypertrophy
  • Dysfunctional Uterine Bleeding / Fibroids / Prolapse Uterus / Endometriosis
  • Osteoarthrosis / Arthritis / Gout / Rheumatism / Spondylosis / Spondylitis / Intervertebral Disc Prolapse
  • Stones in biliary and urinary systems
  • Fissure / Fistula / Haemorrhoid.
  • Varicose veins
  • Dilatation and Curettage
  • Chronic Renal Failure or end stage Renal Failure or Chronic liver failure
  • Sinusitis / Deviated Nasal Septum / Tympanoplasty / Chronic Suppurative Otitis Media
  • Hernia / Hydrocele
  • Gastric and Duodenal Ulcers
  • Surgery on tonsils / adenoids
  • Lumps / cysts / nodules / polyps / internal tumours

Permanent exclusions

  • Investigation & Evaluation
  • Obesity / weight control
  • Cosmetic or plastic surgery
  • Breach of law
  • Rest cure, rehabilitation, and respite care
  • Change-of-Gender treatments
  • Hazardous or adventure sports
  • Excluded providers
  • Refractive error
  • Sterility and infertility
  • Unproven treatments
  • Maternity expenses
  • Treatment for, alcoholism, drug or substance abuse, or any addictive condition and consequences thereof
  • Treatments are received in health hydro's, nature cure clinics, spas, or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons
  • Dietary supplements and substances that can be purchased without a prescription, including but not limited to vitamins, minerals, and organic substances, unless prescribed by a medical practitioner as part of a hospitalisation claim or day care procedure

The above is an indicative list. For more details on the exclusions under the policy please refer to the detailed policy terms and conditions.

How is the Premium Calculated for Royal Sundaram's Advanced Top Up Health Insurance Plan?

The Premium charged on the Policy will depend on the sum Insured, deductible, age, members covered in the Family Floater, policy tenure, and optional covers opted. Premium payments can be made on an annual basis.

The Premium can be loaded for optional benefits as opted by customers

Health Insurance Top Up Plan Calculator - Icon

How to Make a Claim for Royal Sundaram's Advanced Top Up Health Insurance Plan?

Provided that the due adherence / observance and fulfillment of the terms and conditions of this policy (conditions and all endorsements hereon are to be read as part of this policy) shall so far as they relate to anything to be done or not to be done by the insured and insured Person be a condition precedent to any liability of the company under this Policy. Cashless and reimbursement both claims will be settled through TPA.

The Claims Procedure is as follows:

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For Admission to Network Hospital (Cashless Claims)

The insured person shall call the TPA helpline and furnish the membership number, policy number, and the name of the patient within 72 hours before admission to hospital for planned hospitalisation and not later than 48 hours of access in case of emergency hospitalisation. The insured shall also provide to the TPA by e-mail or through TPA's web portal the details of hospitalisation like diagnosis, name of hospital, duration of stay in hospital, estimated hospitalisation expenses, etc., in the prescribed form available with the insurance help desk at the hospital. The insured shall also provide any additional information or medical record as may be required by the medical panel of the TPA.

After establishing the admissibility of the claim under the policy, the TPA shall provide a pre-authorization to the hospital guaranteeing payment of the hospitalisation expenses subject to the sum insured, terms, conditions, and limitations of the policy. The difference between the amount of pre-authorization approved and the final hospital billowing to deductions such as non-payable items, excluded items, policy sub-limits, co-pay amount, deductible amt, etc., shall be borne by the insured.

For admission in Non-Network Hospital or into Network Hospital if cashless facility is not availed (Reimbursement Claims)

Notice of claim:

Preliminary information of claim with particulars relating to policy number, name of the insured person in respect of whom claim is made, nature of illness / injury, and name and address of the attending hospital, should be given to the insurer within 72 hours before admission in case of planned hospitalisation, and not later than 48 hours or before discharge, in case of emergency hospitalisation.

Submission of claim:

The insured shall submit the claim form and the attending physician's certificate duly filled and signed in all respects with the following claim documents not later than 30 days from discharge.

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Mandatory documents

  • Discharge summary (detailed) describing the nature of the complaints and their duration, treatment given, advice on discharge, etc., issued by the hospital.

  • Original Settlement Letter from the primary insurer.

  • Death summary in case of death of the insured person at the hospital.

  • First consultation papers.

  • Doctor’s prescriptions confirming diagnosis / advising hospitalisation.

  • All test reports such as X-rays, ECG, Scan, MRI, Pathology, etc., including doctor's prescription advising such tests / investigations (CDs of the angiogram, surgery, etc., need not be sent unless specifically sought).

  • Original Hospital final bill, advance and final hospital payment receipts

  • Doctor's prescriptions with cash bills for medicines purchased from outside the hospital.

  • F.I.R / MLC. In the case of accidental injury and english translation of the same, if in vernacular language.

  • Detailed self-description stating the date, time, circumstances, and nature of injury / accident in case of claims arising out of injury (in the absence of FIR).

  • Legal heir certificate in the absence of nomination under the policy in case of death of the proposer. In the lack of a legal heir certificate, evidence establishing legal heirship may be provided.

  • For b) Cataract claims - IOL sticker c) PTCA claims - Stent sticker. d) Implant sticker for surgeries involving implants.

  • If any other insurer partially settles a claim, a certificate from the other Insurer confirming the final claim amount determined by them and that original claim documents are retained at their end.

  • Complete medical records of past hospitalisation / treatment, if any.

  • For domiciliary hospitalisation claims, a certificate from the attending doctor confirming that the patient's condition is such that they are not in a need to be removed to a hospital Or there is a nonavailability of bed in the hospital near the insured's a place of stay.

  • Cancelled cheque leaf in the name of the proposer clearing showing the IFSC code and account holder’s name.

  • CKYC number of the proposer. Suppose the insured is not having an existing CKYC number – duly fulfill the CKYC format of the proposer along with photo ID and address proof as per AML guidelines of Govt of India.

Whenever a primary claim is lodged with another insurer and the claim above deductible is lodged with us, a copy of original documents (submitted with the primary Insurer) may be submitted to Us.

How to Cancel Advanced Top Up Health Insurance Plan?

The insured may cancel this policy by giving 15 days written notice, and in such an event, the company shall refund the premium short term rates for the unexpired policy period as per the rates detailed below.

Cancellation date up to (x months)
from the Policy Period Start Date
Refund of Premium (basis Policy Period)
1 Year2 Years3 Years
Up to 1 month75%87%91%
Up to 3 months50%74%82%
Up to 6 months25%61.5%73.5%
Up to 12 months0%48.5%64.5%
Up to 15 monthsNA24.5%47%
Up to 18 monthsNA12%38.5%
Up to 24 monthsNA0%30%
Up to 30 monthsNANA8%
Beyond 30 monthsNANA0%

Not withstanding anything contained herein or otherwise, no refunds of premiume made in respect of cancellation where any claim has been admitted or has been lodged, or the insured person has availed any benefit under the policy.

The company may cancel the policy on the grounds of misrepresentative, non-disclosure of material facts, or fraud by the insured person, by giving 15 days' written notice. There would be no refund of premium on the grounds of misrepresentation, non-disclosure of material facts, or fraud.

Tax benefits of Royal Sundaram's Advanced Top Up Health Insurance Plan

Top Up Health Insurance Tax Benefits - Icon

The medical top-up plan is one of the direct investments for any individual to ensure perfect security during medical emergencies. Health insurance offers excellent tax benefits on the premium amount paid.

The insurance premium is tax-deductible under section 80 of the Indian income tax. The amount you would pay as a premium for your health insurance coverage can be deducted from the taxable income. It ensures that the taxable income goes down.

Top Up Health Insurance Tax Benefits - Icon

Why buy Royal Sundaram's Advanced Top Up Health Insurance Plan Online?

Why Buy Top Up Health Insurance - Icon

Besides health insurance tax benefits, the Royal Sundaram's Advanced Top up Health Insurance plan offers fantastic benefits. You can get your hands on the best insurance provider when you choose us. We offer 24/7 assistance and application and claim processing.

Royal Sundaram promises customer-centric values and ethics. An industry-leading claim settlement ratio also proves our commitment to accepting extraordinary claims and processing them quickly. Royal Sundaram is the first private nonlife insurance licensed to operate in India. Royals in them offer a great range of innovative general insurance products, and health insurance is its best-selling product. In addition, the Company offers specially designed products to small and medium enterprises. We currently have 5,000,000 customers and 1700 employees.

Customers Review Our Advanced Top Up Health Insurance Plan

4.4/5 stars
Royal Sundaram website has all the information related to the health insurance policy. It was straightforward to understand and read the terms and conditions. However, this company's coverage is not readily available outside at this rate, so it was the best decision to choose Royal Sundaram health insurance over others.
Venu Aravind
I had a chronic ailment, so I had to take a health insurance plan urgently, but I could manage everything in time thanks to Royal Sundaram. Even the coverage amount was not enough, but I could control everything because the company offered extra coverage that made things easy for me.

FAQs on Advanced Top Up Health Insurance Plan

Have a question on Advanced Top Up Health Insurance Plan? Search for it.
Why is the advanced top-up health insurance plan cheaper? Why is the advanced top-up health insurance plan cheaper?

The main reason why the super top-up health insurance plan is cheaper is that the health insurance does not bear the entire cost. Instead, these costs are only borne once they have passed the deductible limit.

Why should you go for a top-up or a super top-up plan? Why should you go for a top-up or a super top-up plan?

Most people buy top-up health insurance plans to ease the financial uncertainties. The top and the Super top of health manage expenses while they go above the decided deductible. Super top-up plans are applicable when the total costs in the year go above and beyond the deductible.

What is the meaning of Annual Aggregate Deductible? What is the meaning of Annual Aggregate Deductible?

The annual aggregate deductible is ideally the maximum amount the insured can pay as rectangles over a specific time, around one year. It offers protection to the insured from the high frequency of losses.

What is a free look period? What is a free look period?

The free look period is applicable at the inception of the policy. It is not applicable on the renewals or at the time of porting the policy. The insured shall be allowed a timeline of 15 days from the date of receipt of the policy to quickly review the terms and conditions and return the same if it is not acceptable.

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