A Super Top-up plan is essential when your health insurance sum insured is insufficient to meet rising medical costs. It offers a cost-effective solution, ensuring coverage for various medical uncertainties in life.
Boost your health coverage with our Super Top-Up policy. Bridging the gaps when your basic insurance plan falls short, it ensures comprehensive coverage for your medical expenses.”
A Super Top-up Health Insurance Plan provides additional coverage beyond your existing health insurance sum insured. It is a back up to existing medical insurance policy. It activates once a predefined deductible amount is paid, covering cumulative expenses throughout the policy term, in contrast to regular top-up plans that cover single claims. The added boost that keeps you covered above and beyond your health plan.
For instance, if you have a Super Top-up plan of Rs 10 lakh with a deductible of Rs 5 lakh, it covers medical expenses exceeding Rs 5 lakh. The deductible is paid from your current health plan, and the remaining is covered by the Super Top-up insurer, making it active for subsequent claims.
| Incidence of Claim | Health Insurance Super Top-up Plan |
|---|---|
| 1st claim of Rs.2.5 lakhs | No claim would be paid as the deductible limit is Rs.5 lakhs |
| 2nd claim of Rs.5 lakhs | Aggregate claims = 2.5 + 5 = Rs.7.5 lakhs Deductible limit = Rs.5 lakhs Claim payable = up to Rs.2.5 lakhs |
| 3rd claim of Rs.6 lakhs | Aggregate claims = 2.5 + 5 + 6 = Rs.13.5 lakhs Deductible = Rs.5 lakhs Claim payable = up to Rs.6 lakhs |
Top up health insurance policies offer additional coverage that go beyond the threshold limit of your existing health insurance policy. Thus, each of your claims has to surpass the threshold limit of the top up policy for any amount to be paid from the policy. Meanwhile, under Super Top Up policy, the total of all your hospitalization bills above the threshold limit is covered. Thus, the claim becomes payable as the total of all your claims exceeding the deductible limit in a policy year. Thus, a Super Top Up policy is a wise choice.
Below is the importance of Super Top plans:
A Super Top-up plan is essential when your health insurance sum insured is insufficient to meet rising medical costs. It offers a cost-effective solution, ensuring coverage for various medical uncertainties in life.
The added boost of Sum insured keeps you covered over and above your base health policy.
There are generally no restrictions and sub-limits on hospitalization expenses like fees charged by the medical practitioner, room rents, doctor fees etc. You get the complete benefit of a health insurance policy.
The plans are super affordable with premiums approx. as low as Rs. 2000 per annum.
Below mentioned are the eligibility criteria to buy an Super Top-up plan;
| Eligibility Criteria | Specifications |
|---|---|
| Minimum Entry Age | 18 Years/ Child: 91 days to 25yrs |
| Maximum Entry Age | No limit |
| Initial waiting period | 30 days |
Supertop Up is an invaluable supplement to your existing health coverage. This offers increased financial security ensuring comprehensive support beyond standard limits. Elevate your healthcare confidence with this strategic addition."
Super Top-up plans cover COVID-19 treatment along with other illnesses.
Deductibles are paid only once during the policy term, allowing multiple claims.
Choose deductible limits as per your existing plan and sum insured.
Increase coverage over and above your corporate plan or your existing health insurance planat a lower premium.
Provides extensive coverage benefits not offered by some corporate policies.
Offers enhanced coverage for seniors and parents at a lower premium.
Like other health insurance plans, Super Top-up plans offer tax-saving benefits on the premium paid.
Avail cashless treatment in network hospitals for quick and hassle-free claims.
Finding the best health insurance for Super Top-up can be a very stressful for any individual as there are many health plans available in the market from various health insurance companies. To make it easier for you, we BimaSure have compiled the list of best Super Top-up health insurance plans along with its key features in the table below:
Super Top-up Health Insurance, while offering crucial coverage, comes with certain inclusions and exclusions. Know the details as listed below.
Benefit from coverage after specific waiting periods:
| Waiting period | Duration |
|---|---|
| Pre-existing period | 2-4 years as per plan |
| Initial waiting period | 30 days |
| Specific disease waiting period | 1-2 years as per plan |
| Covid-19 treatment | 30 days |
| Grace period | 30 days |
| Free-look period | 15 days |
Benefit from coverage after specific waiting periods:
A Super Top-up plan offers additional coverage beyond existing health insurance once a deductible is paid.
Consider deductible limits, coverage benefits, waiting periods, and network hospitals.
Deductible is a pre-decided amount that you pay from your existing health plan before the Super Top-up plan activates.
Yes, Ayush treatment is typically covered under Super Top-up plans.
Yes, Super Top-up plans often allow you to choose a higher deductible amount for flexibility.
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