Your family is your pillar of strength, and by getting a health cover, you ensure its well-being. But, think for a moment about the rising medical treatment costs. Do you think your existing health insurance would be adequate to cover you in any situation? You do not need to depend on your savings then; instead, you can opt for top-up or super top up health insurance plans that give you additional health coverage above a threshold limit known as deductible. While top-up plans will cover single hospitalization, super top-up plans are beneficial as they cover multiple claims in a policy year.
If you wish to increase coverage of your existing health plan, super top-up plans are the best option as they are affordable, compared to paying a higher premium for your existing policy. Let us understand some of the main features of super top up health insurance plans.
One of the vital features of super top up medical insurance plans is that they are based on the principle of the health insurance deductible. It is the claim amount that an insured has to bear, and it would apply on an aggregate basis in a policy year. The policy will offer cover only if the cumulative hospital expenses exceed the deductible. What is important to note here is that the deductible has to be paid only once.
2. Hospitalization Cover
A super top up health insurance will save your family from facing financial difficulty due to a medical exigency. The policyholder will get cover for hospitalization-related expenses, including room rent, nursing charges, ICU charges, and doctor’s fees. Also, it will cover day care treatment and advanced medical procedures, such as robotic surgeries.
3. Pre and Post Hospitalization Cover
You will also be covered for those expenses that are not limited to hospitalization. That includes diagnostic tests, medication, and follow-up visits. The policy will cover medical expenses incurred during pre-hospitalization for 30 days and post-hospitalization for up to 60 days.
4. Annual Health Check-Up
Under a super top up medical insurance plan, the policyholder is eligible to avail of annual health check-up, for self and family members, on a cashless basis at a healthcare centre empanelled with the insurer.
5. Organ Donor Cover
When dealing with the hefty medical bills during the treatment of an illness, super top-up plans provide the vital financial cushion by covering organ donor expenses.
6. Family Floater
The plan is available as a family floater that will cover you and your immediate family members, such as spouse, children, and dependent parents, for a single premium.
7. Cashless Treatment Facility
If you or your family member gets hospitalized, your insurer will settle the expenses directly with the hospital, provided you choose a network hospital for cashless treatment.
8. Free Look Period
It is the period, usually 15 days, when you can review and return your policy if required. The premium will be refunded to you after deducting some amount, including proportionate risk premium for the period on cover, as mentioned in the policy terms and conditions.
9. Flexible and Affordable
Another thing to note is that super top-up plan is a flexible plan that allows you to choose a deductible option. The premium is lower if the deductible is high. Plus, you can save tax under Section 80D of the Income Tax Act. The premium rate depends on various factors, including the sum insured, the number of insured members, age, policy tenure, and deductible.
A super top up health insurance plan is the best financial back-up you will need when concentrating on medical treatment. Choose ‘Enhance’ by Care Health Insurance (formerly Religare Health Insurance), a super top-up insurance policy with a range of sum insured options. You can avail of cashless medical treatment at any of our 8,250+ network hospitals.