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

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 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.