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Royal Sundaram Advanced is a top-up plan that provides you with health coverage beyond the base health policy. It helps you keep your savings intact in times of distress. But how does this top-up plan help you?
When you need extensive cover for medical care and the base sum insured gets exhausted, the role of top-up plans comes into play. It not only allows you to claim as many times as you need to receive healthcare facilities such as ambulance services, OPD care, daycare procedures, in-patient, pre & post-hospitalizations, etc., but also ensures you receive the right care at home, if needed.
Additionally, there are more benefits attached to this top-up policy. This article explains everything that you need to know about the Royal Sundaram Advanced top-up plan.
| PLAN DETAILS |
Royal Sundaram Advanced Top Up |
Sbi Divyanga Suraksha Plan |
| Product Type | Top Up and Super Top Up | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 6000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Covered |
| Plan Entry Age | Child - 91 days - 25 years, Adult - 18 - 65 years | 18 - 65 years |
| Plan Premium Entry Age and S/A | NA | NA |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | Individual cover |
| Plan Sample Premium | NA | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 Years | 1 Year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 96.17 | - |
| Solvency Ratio | 2.20 | 2.03 |
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