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If you think your current health insurance coverage is insufficient to meet your healthcare needs, you can choose a super top-up health plan to supplement your coverage. It enhances health coverage by increasing the sum insured and benefits to provide maximum protection against medical expenses.
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A super top-up health insurance plan is additional coverage to your standard health cover. It assists you in covering additional medical expenses if your existing insurance coverage is exhausted. It might get pricey to add insurance benefits to an existing health insurance policy; this is where the super top-up policy can be of use. The super top-up coverage becomes active for the claims once the deductible has been paid. A super top-up health plan works on the principle of policy deductible. The policy pays for your medical expenses only after you bear a pre-decided deductible amount. With Care Health Insurance, you can choose a suitable deductible anywhere between 1 to 10 lakhs, ensuring better flexibility in managing healthcare finances. So, if you are looking forward to boosting your healthcare coverage, it is wise to choose super top-up insurance.
|Key Features||Product Details|
|Deductible(or existing Policy Sum Insured)||1L to 10L|
|Sum Insured||1L to 30L|
|In Patient Care||Up to Sum Insured|
|Pre Hospitalization||30 Days|
|Post Hospitalization||60 Days|
|Day Care Treatment||✅|
|Room Rent Category||Single Private Room|
|ICU Charges, Doctor's Fee etc.||No Limit|
|Organ Donor Cover||No Limit|
One Policy for the Entire Family
You can avail of a long-term policy discount on buying a super top up mediclaim policy for more than 1 year. Focus on adding more to your savings with premium discounts on a 2-year and 3-year policy.
Discount with Multi-year Policies
You can avail of a long-term policy discount on buying health insurance super top-up plans for more than 1 year. Focus on adding more to your savings with premium discounts on a 2-year and 3-year policy.
Cashless Hospitalization Facility
With the facility of cashless hospitalization, you will no longer be worried about medical bill payments. We will settle your expenses directly with the network hospital, subject to policy T&C.
Direct Insurance Claim Filing
Present the Care Health Card at any of our 21,100+ leading network hospitals and access the cashless service or notify us immediately to reimburse claims when you opt for a non-network hospital.
Free Look Period
We help you in reviewing your decision about purchasing the policy. If you find it unsuitable for your needs then the policy gives you a free-look period of 15 days from the date of receipt.
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Boost Your Existing Health Cover With Super Top Up Plan
Health Insurance that Covers your Loved Ones
Policyholders can prevent a possible hassle when filing a claim by knowing about the things covered under super top up medical insurance plan. Let's check below what all is covered:
Knowing the exclusion and non-coverage details of the policy can help the policyholders to avoid claim rejection. Below are the exclusions of super top up health insurance plans:
The eligibility criteria for availing of our Enhance Super Top up are as follows:
We have a simplified claim procedure for a super top-up plan to help you stay worry-free. You can file a claim under two categories as mentioned below:
Super top up medical insurance serves you as a financial backup if your existing health coverage proves insufficient to meet your immediate medical expenses. To help you pick the best top up health insurance plans in India, here are quick pointers you can consider:
Considering the rate of medical inflation and the need to secure health, health insurance super top up plans with a higher sum insured becomes the right choice.
A super top up plan with a high deductible has a more affordable premium cost. So, it is vital to choose the deductible wisely to bear the medical expenses along with your base health insurance plan.
Reviewing the super top up plans and their various benefits, and selecting the right deductible option, will help you opt for a policy with an affordable premium.
Go through the policy documents once to understand the inclusions and choose a plan that suits your needs.
Check the co-payment clause, and select a policy where you or your elderly parent will not have to bear a high amount.
The best super top up mediclaim policy offers a cashless hospitalization facility. Do check the network hospitals where you can easily avail of cashless medical treatment.
The waiting period for pre-existing ailments can differ from the base plan. If you don’t want to be taken by surprise, know the exact waiting period.
Claim Settlement Ratio
Choosing a super top up plan from an insurer with the highest claim settlement ratio helps in getting claims settled on time.
Enhance - Our Super Top Up Plan is based on the principle of Policy Deductible. You will need to bear a pre-defined amount from your pocket during a medical event. We will bear the rest, up to the sum insured, subject to policy T&C.
Here's an example: Suppose
If you opt for a ₹ 6 lac sum insured with a deductible of ₹ 2 lacs, then 2lacs will be borne by you and ₹ 6 lac over and above the deductible will be borne by us during the policy period.
The below reasons somehow justify the worth of buying a super top up plan:
You can opt for our super top-up plan online in a few simple steps:
You will receive a health insurance policy document on your registered email id. The policy documents will include policy numbers and health e-cards.
A deductible is an amount you need to pay for health care services before your health insurer begins to pay. Under super top-up insurance, you need to pay your deductible amount only once and can then claim multiple times in a year.
A super top-up insurance policy will start providing coverage for medical expenses only when the amount of claims cross the deductible chosen in the plan. If the claim amount is below the deductible, the insured has to bear the expenses.
There is a co-payment of 20% in the super top-up policy. It is applicable if the entry age of the policyholder in an individual policy (or the eldest insured member in a family floater policy) is 61 years or above. The policyholder has to bear 20% of the claim amount, and we will pay the remaining claim amount, subject to policy T&C.
Our super top-up policy will provide you coverage for any pre-existing disease (PED) after a 48-month waiting period from the date of policy inception.
Yes, a super top-up plan has three types of waiting period:
Yes. You get a family discount if you include two or more family members under a single health plan; you can also avail long term policy discount on buying health insurance for more than 2-3 years.
Yes, you are required to undergo a pre-policy medical check-up. We would bear the cost of the medical tests if you opt for a 2-year or 3-year tenure and your proposal is accepted. We shall bear 50% of the cost of medical tests if you opt for a 1-year tenure and your proposal is accepted. The result of these test should be valid for 3 months from the date of the tests.
The factors affecting the cost of your super top-up health insurance premium entail age, deductible, pre-existing disease, and sum insured.
Ageing brings along the growing risks of illnesses and even injuries, thus necessitating hospital visits. Further, the risks of critical diseases also increase in old age. The incurred healthcare expenses will be subsequently higher as one grows old. It is wise to invest in the best super top-up health insurance plans in India that will give your finances a much-required cushion if you exhaust the sum insured of your current health cover. It will cover the costs of advanced medical treatment for your parents and help them access the cashless facility without any delays.
One of the best ways to boost your health coverage is to go for super top-up health insurance plans. The foremost reason is they provide an additional sum insured if you may have to incur huge medical expenses in a year. Let us assume you have a base cover of Rs. 5 lakh, and you have chosen Enhance super top-up insurance plan with a sum insured up to Rs. 10 lakh. On the whole, you now have total coverage of Rs 15 lakh. It will help you avail any expensive medical treatment and be free from any financial stress.
Yes. The super top-up insurance will provide comprehensive protection for your family by offering coverage for various medical expenses related to coronavirus treatment, subject to the policy terms and conditions.
Disclaimer: The Information above is just for reference. Kindly read T & C of the policy thoroughly, Do refer to IRDAI guidelines for tax exemption conditions.
*IBAI Claims Handbook for FY 19-20
^^Number of Cashless Healthcare Providers till 31st Dec 2022
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