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Royal Sundaram Health Insurance Royal Sundaram Health Insurance ★ 4.4

Royal Sundaram Advanced Top-Up Plan

Royal Sundaram Advanced is a top-up plan that provides you with health ...Read More

Up to 1.5 Cr
Sum insured
1
No. of plans
160+
Pan India presence
96.17%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,703 reviews
🏥 10,000+ hospitals
📊 2.20 solvency ratio
✅ 96.17% claim settlement

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.

Why do we recommend this?
  • PEDs waiting period reduction
  • Multi-year policy discounts
  • Automatic restoration

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Child - 91 days - 25 years, Adult - 18 - 65 years
Plan type
Top Up and Super Top Up
Sum insured options
₹10 L, ₹20 L, ₹30 L, ₹40 L, ₹50 L, ₹60 L, ₹70 L, ₹80 L, ₹95 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Life protect benefit
  • PEDs waiting period reduction
  • Modern treatment
  • No cost SI restore
  • Home care treatment

Cons

  • Obesity control
  • No change-of-gender
  • Cosmetic/plastic surgery
  • Hazardous/adventure sports
  • Breach of law

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Child Entry Age: - 91 days - 25 years
  • Adult Entry Age-: 18 - 65 years
  • SI: - INR 10 - 95 Lakhs
  • Waiting Period: - 30 days

Frequently Asked Questions

The 6 most-asked questions about Royal Sundaram Advanced Top-Up Plan, answered.

If you feel your base sum insured cannot cover all your healthcare expenses, you should buy this top-up plan for additional coverage and benefits.
Yes, daycare procedures are covered with this top-up plan.
This top-up plan will cover the treatment expenses and an additional amount will be provided to the insured person, in case of a life-threatening medical condition that challenges their survival. A maximum of 10% of the sum insured can be availed during a policy year.
Yes, this plan will cover the treatment expenses if the insured is suffering from a pandemic / endemic/critical health conditions that require care/treatment at home upto INR 50K/event per insured and upto a maximum of INR 1 Lakh/insured/policy year.
The range of sum insured between INR 50K - 1 Crore covers extensive healthcare benefits including organ donor expenses, home care treatment, AYUSH cover and so on.
With this plan, you can get coverage for 22 listed critical illnesses.

Explore Royal Sundaram Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 31 Jan 2025

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