ChatGPT
Claude
Perplexity
Overview
Royal Sundaram Advanced is a top-up plan that provides health coverage beyond your base health policy. It helps you keep your savings intact during times of distress. But how does this top-up plan help you?
When you need extensive cover for medical care and your base sum insured gets exhausted, top-up plans become crucial. This plan allows you to claim multiple times for healthcare facilities such as ambulance services, OPD care, daycare procedures, in-patient, pre- and post-hospitalization expenses, and also ensures you receive the right care at home, if needed.
Additionally, this top-up policy offers more benefits. This article explains everything you need to know about the Royal Sundaram Advanced top-up plan.
Benefits of Buying Royal Sundaram Advanced Top-Up Plan
-
PEDs Waiting Period Reduction
This plan offers the benefit of reducing the waiting period for pre-existing diseases from 36 months to 24 months.
-
Life Protect Benefits
This health top-up plan provides up to 10% of additional Sum Insured if the base Sum Insured is exhausted, helping you get continued health benefits in case of life-threatening diseases.
-
No Medical Tests
You do not need to undergo any multi-step medical check-up before buying this top-up policy. A few questions on a call with a medical expert/doctor are sufficient.
-
Multi-Year Policy Discounts
For a 2-year policy, you will receive a 6% discount, and for a 3-year policy, you will get a 9% discount on payable premiums.
-
Tax Benefits
The Royal Sundaram Advanced top-up plan provides tax benefits on the paid premiums under Section 80D of the Income Tax Act of India.
Exclusions
Permanent diseases or health conditions that are not included under the Royal Sundaram Advanced Top-Up Policy are:
- Investigation and Evaluation
- Rest Cure, Rehabilitation, and Respite Care
- Obesity/Weight Control
- Change-of-Gender Treatments
- Hazardous or Adventure Sports
- Breach of Law
- Unproven Treatments
- Sterility and Infertility
- Excluded Providers
- Cosmetic or Plastic Surgery
Wrapping Up
Royal Sundaram Advanced top-up policy is an affordable and comprehensive health insurance top-up plan that adds extensive medical care benefits to your base health policy.
To learn more about the buying process of this top-up policy, please call our health insurance experts at 1800 4200 269 for quick resolution of your questions.
