All You Need to Know About Health Insurance Top-Up Plans


All You Need to Know About Health Insurance Top-Up Plans

Super Top-Up Plans for Your Health Insurance

A super top-up plan is an insurance product that you can opt for with your health insurance plan. It offers you extra protection for the case where you exhaust the sum assured amount of your health insurance, as it extends the threshold limit of your policy, without affecting your budget. Basically, if you run out of the maximum insurance limit of your individual or family health plan, a super top-up cover will offer you additional coverage. While many people confuse this plan with riders, it is not the case. A top-up plan is the only indemnity scheme that offers regular coverage.

Advantages of a Super Top-Up Plan

If you feel that the coverage of your health insurance plan might not be enough, you can opt for the additional sum insured of as a super top-up plan to help you face any unforeseen medical emergencies. Advantages of opting for this plan include:

  • If the total sum assured of your insurance gets exhausted, you can still enjoy peace of mind, as your super top-up plan will ensure you are covered for the remaining duration of the policy term.
  • A super top-up plan gives you the option to enhance the coverage of your policy when you renew.
  • Even if you don’t have a basic medical policy, you can still buy a super top-up plan.
  • It can also be bought if you are covered by an employer's health insurance.

The best idea is to opt for a plan that offers a sum insured amount that is equal to the health insurance deductible.

>> Check: What is Health Insurance Deductible?

Features of Super Top-Up Plan

The exact coverage that you get under a super top-up plan may vary, but some of the common features are:

  • If both parents are covered under the plan, then their children can also be included in the plan.
  • There are no sub-limits or restrictions placed on hospitalization expenses. This includes charges like medical practitioner fees, room rent, etc.
  • Every claim-free year makes you eligible for a cumulative bonus on the sum insured.
  • Like most family health plans, there is a free-look period of 15 days from the date of purchase.
  • Up to a specified age, you do not need to undergo medical screening for getting a top-up plan.
  • It comes with lifelong renewability.
  • It offer tax benefits under 80D of the Income Tax Act.

Coverage of a Top-Up Plan

It is basically an indemnity plan that provides the same coverage that you would get under a basic reimbursement plan. Some of the benefits that it provides are: -

  • In-patient hospitalization expenses
  • Pre- and post-hospitalization expenses for 30 days before and 60 days after hospitalization
  • Daycare procedures
  • Organ donor expenses

Super top-up plans offer a much-needed respite from the worry that your health insurance plan may not suffice. Care Health Insurance offers ‘Enhance’, a comprehensive super top-up plan that you can choose for a term ranging from one to three years. Time to secure your healthcare expenses.

DisclaimerAll plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.

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