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Royal Sundaram Health Insurance Top-up & Super Top-up Plans

160 reviews Rate This
Highlights
Claim Settlement Ratio82%
COVID-19 CoverYes
In-House Claim SettlementAvailable
Network Hospitals5,000+
Policies Sold1,85,450
RenewabilityLifelong

Top-up & Super Top-up of Royal Sundaram Health Insurance

A top-up plan is intended to supplement the coverage provided by your current health insurance policy. The policy kicks in when your existing health insurance's sum insured is depleted during treatment and you require financial assistance to continue with the therapy.A top-up policy works on the principle of deductible, which is that portion of the claim amount that is not covered by the insurer and has to be paid by the insured.

Royal Sundaram Lifeline Policy

The Royal Sundaram Lifeline policy is a popular health insurance plan that includes an annual aggregate top-up plan as an optional feature. With a deductible option, the benefit assists you in paying for expenses that exceed the limits of your existing coverage.It adds additional coverage to your existing plan.

Key Benefits of Lifeline Policy

This plan is offered on an individual as well as floater basis where one can cover self, spouse and children. Its key benefits include:

  • Organ donor cover
  • Ambulance cover
  • Second opinion for critical illness
  • Emergency domestic evacuation
  • Sum insured options from Rs. 2 lakh to Rs. 4 lakh under Classic variant and Rs. 5 lakh to Rs. 50 lakh under Supreme variant
  • Deductible options of Rs. 1 lakh, Rs. 2 lakh, Rs. 3 lakh, Rs. 4 lakh, Rs. 5 lakh, and Rs. 10 lakh under both the variants

Who Can Buy this Plan?

Any individual above 18 years of age can purchase Lifeline health insurance policy.

Waiting Period Under the Plan

The waiting period for pre-existing diseases is 36 months, and for any illness, except an injury is 30 days.

Renewability of the Plan

This policy offers lifetime renewability to the policyholders.

Exclusions Under the Plan

The policy does not cover you against the following:

  • Addictive conditions or disorders
  • Alternative treatment
  • Ancillary hospital charges
  • Dental treatment
  • Sleep disorders

Royal Sundaram Health Insurance Top Up List

    Name of PlanSum Insured
    LifelineMin: 91 Days; Max: No Limit2 Lakh Get Quotes Now

    Key Features of Royal Sundaram Critical Illness Insurance Policy

    Royal Sundaram critical illness insurance comes with certain features. Key features of the plan are as follows:​

    • P​ortability option
    • Cashless treatment
    • Lifelong renewability
    • Hassle-free claim process
    • Speedy resolution of claims​

    With the critical illness coverage benefits, the Lifeline insurance policy of Royal Sundaram is a good choice if you want to buy critical illness health insurance.

    Save Tax upto ₹75000*
    Under Section 80D

    *Tax benefits are subject to changes in Income Tax Act.

    Royal Sundaram Health Insurance Plan List

      Name of PlanSum Insured
      Corona Kavach PolicyMin: 1 Day; Max: 65 Years50,000 - 5 lakh Get Quotes Now
      Arogya Sanjeevani PolicyMin: 3 Months; Max: 65 Years 1 Lakh - 5 Lakh Get Quotes Now
      Family PlusMin: 91 Days; Max: No Limit2 Lakh Get Quotes Now
      LifelineMin: 91 Days; Max: No Limit2 Lakh Get Quotes Now

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      Disclaimer : Actual Premium might vary basis your location, age and number of members

      Royal Sundaram Health Insurance User Reviews

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      What users are saying
      • All
      • Price
      • Helpful
      • Network Hospitals
      • Claim
      • Renew
      • Premium
      • Top up
      • Critical Illness
      • More convenient

          One of the best features of the InsuranceDekho website is that it is very easy and convenient to buy a...

        Read More
        R
        Royal Sundaram
        By Rakhi Bakshi
        On: Mar 23, 2023
      • Easy Policy Issuance

          The steps to buying insurance plans from the InsuranceDekho website are really easy. I had to follow s...

        Read More
        D
        Royal Sundaram
        By Daisy Dhar
        On: Mar 20, 2023
      • The reminder feature is amazin...

          The InsuranceDekho website has a reminder feature that is very helpful. It automatically sends you a r...

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        P
        Royal Sundaram
        By Preetha Saini
        On: Mar 15, 2023
      • Got the policy renewed on time

        It's been a year now since I am using the Royal Sundaram Health Security Plan that I bought from the Insurance...

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        S
        Royal Sundaram
        By Shruti Arora v
        On: Feb 15, 2023
      • Policy renewed on time

        It's been a year now since I am using the Royal Sundaram Health Security Plan that I bought from the Insurance...

        Read More
        S
        Royal Sundaram
        By Saisha Gupta
        On: Feb 14, 2023
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      Royal Sundaram Health Insurance Contact Details

      Reach us for help anytime

      Claim Process at Royal Sundaram Health Insurance

      • Network Hospital
      • Non-Network Hospital
      • 1

        Claim Assistance

        For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
      • 2

        Claim Intimation

        Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate at least 48 hours prior to admission.
      • 3

        Claim Processing

        Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
      • 4

        Claim Settlement

        Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
      • 1

        Claim Assistance

        For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
      • 2

        Claim Intimation

        Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
      • 3

        Claim Processing

        Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
      • 4

        Claim Settlement

        Once your request for reimbursement of expenses is approved, the claim will be settled.

      1550 Royal Sundaram Cashless Network Hospitals in India

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      Network Hospital in Popular Cities

      CityNo of Hospital
      Noida63
      Chennai225
      Mumbai225
      Ahmedabad225
      Patna47
      Bengaluru225
      Kolkata225
      View All