Royal Sundaram General Insurance Co. Limited
Advanced Top Up Health Insurance Plan
Royal Sundaram SUPER TOP-UP indemnity
UIN RSAHLIP23029V012223We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹5 cr
Claim settlement (CSR)
96%
PED waiting
36 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
Yes
Pre / post hosp.
60 / 90 days
Network hospitals
6,000+
Free look
15 days
What this plan does well
- SUPER TOP-UP with ANNUAL AGGREGATE deductible — DEALBREAKER ADVANTAGE
- Multiple smaller claims aggregate against single annual deductible
- After deductible exhausted in year, ALL subsequent claims fully covered
- Wide SI range — sample ₹45 Lakhs additional cover
- Designed to protect long-term savings beyond existing primary cover
- Affordable premium for high additional SI
- Standard IRDAI definitions
- All Day Care procedures
Watch out for
- Top-up requires existing primary health policy to exhaust deductible — NOT first-rupee cover
- Deductible must be exhausted DURING the policy period (no carry forward)
- Claim under this policy payable ONLY if hospitalisation exhausting deductible happens during policy period
- Pre/Post 60/90 (vs ManipalCigna ProHealth 60/180)
- No restoration in base
- No CB visible (typical of top-up plans)
- Maternity excluded
- OPD not covered
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.