Q. What do you mean by deductible in super top-up health insurance?

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 pay your deductible only once and can then claim multiple times in a year.

Q. When does the Super Top-up Policy activate?

A super top-up insurance policy will start providing coverage for medical expenses only when the amount of claims exceeds the deductible chosen in the plan. If the claim amount is below the deductible, the insured has to bear the expenses.

Q. Will my pre-existing diseases be covered in health insurance?

Care uper Top-up policy provides coverage for any pre-existing disease (PED) after a 36-month waiting period from the date of policy inception.

Q. Is there any waiting period?

Yes, a super top-up plan has three waiting periods: 30 days from policy start for most illnesses, 24 months for named ailments and 36 months for pre-existing conditions.

Q. Do I need to undergo a medical check-up when buying a health insurance policy?

Not every policy requires a pre-medical checkup; it depends on the policy's terms and conditions.

Q.What are the factors that will affect my super top-up health insurance premium?

The factors that affect the cost of your super top-up health insurance premium include age, deductible, pre-existing conditions, and sum insured.

Q.How does super top-up health insurance boost my sum insured?

A super top-up health insurance plan activates after medical expenses exceed the deductible within a policy year. For example, with a deductible of Rs 2 lakh and a sum insured of Rs 10 lakh, it covers expenses above Rs 2 lakh.

Q. Can I get a super top-up feature for my maternity insurance plan?

No, at this moment, we do not offer a super top-up feature for our maternity insurance plans.

Q. Is AYUSH treatment covered under Super top-up plans?

Yes, super top-up health insurance plans provide coverage for AYUSH treatment, or traditional Indian systems of medicine: Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homoeopathy.

Q. Can I choose a higher deductible amount in the Super top-up plan?

Yes, you can select a higher deductible of up to Rs 15 lakh, depending on the policy you've purchased.

Super Top Up Health Insurance: Buy Health insurance Top Up Plan

Particulars	Amount in Rs
Deductibles	5 lakh
Policy Coverage	45 lakh
Claim 1	15 lakh
Amount Payable From Top-up In Claim 1	10 lakh; After deducting 5 lakh deductible
Claim 2	20 lakh
Amount Payable From Top-up In Claim 2	20 lakh; Deductible of 5L has been exhausted in claim 1

Super Top-up Health Insurance Policy Details

Key Features	Product Details
Deductible & Sum Insured Options	3 Lakh; SI Options 20 Lakh, 50 Lakh or 1 Cr 4 Lakh; SI Options 20 Lakh 5 Lakh; SI Options 45 Lakh or 95 Lakh 7 Lakh; SI Options 93 Lakh 10 Lakh; SI Options 90 Lakh 15 Lakh; SI Options 85 Lakh
In Patient Care	Up to Sum Insured
Pre Hospitalisation	60 days before hospitalisation; Up to SI
Post Hospitalisation	90 days after discharge from the hospital; Up to SI
Day Care Treatment	All Day Care Procedures; Up to SI
Cumulative Bonus	10% of SI per year, max up to 100% of SI; irrespective of claims made.
Advanced Technology Methods	Up to SI
Domiciliary Hospitalisation	Up to SI
AYUSH Treatment	Up to SI
Room Rent Category	All Category Room
ICU Charges	No Sub-limit
Organ Donor Cover	Up to SI
Unlimited Care	One BIG claim during the policy's lifetime is payable without any coverage limits.
Unlimited Automatic Recharge	Unlimited times in a Policy Year for unrelated or the same illness
Air Ambulance	Up to SI per year

Unique Features of Super Top up Health Insurance Plan

One Policy for the Entire Family

Protect your loved ones with a single super top-up plan, available as an individual or family floater. It offers a straightforward and convenient way to increase coverage for the entire household without managing multiple policies.

Save More with Multi-Year Discounts

Select a 2-year or 3-year policy to benefit from long-term savings through multi-year discounts. Make a single payment and enjoy extended coverage while reducing your total premium costs.

Cashless Hospitalisation at Network Hospitals

Enjoy cashless treatment across our extensive network of hospitals. Your qualifying medical expenses are paid directly to the hospital (as per policy terms), allowing you to focus on recovery rather than worrying about bills.

Hassle-Free Claim Experience

Present the Care Health Card at any of our 11600+ network hospitals for cashless treatment, or opt for reimbursement at non-network hospitals by informing us and submitting the necessary documents. The process is simple and fast.

Free Look Period

Care Health Insurance offers a 15-day free look period starting from the date you receive the policy document, during which you can review the terms and cancel if it doesn’t meet your needs (according to applicable guidelines).

Who Should Buy a Super Top-Up Health Insurance Plan?

A Super Top-Up plan is perfect for those who worry that their existing health cover might not be enough in a major medical emergency. Certain individuals who should consider buying a super top-up policy:

Senior Citizens: As people age, their health risks increase. A Super Top-Up provides extra financial support to help cover higher hospital expenses.
Employees (using a corporate policy): Group insurance often comes with limitations. A Super Top-Up offers extra coverage and stays with you even if you switch jobs or retire.
People with critical illness risks: Critical illness treatments are expensive because they require specialised care and equipment. The best Super Top-Up health insurance plans offer long-term, comprehensive financial support to help you manage critical treatment expenses and any ongoing care costs.
Policyholders with a low SI plan: If your existing sum insured is limited, a Super Top-Up offers an affordable way to increase coverage without upgrading your core plan.

What is Covered Under the Super Top-Up Health Insurance Plan?

Policyholders can avoid potential hassle when filing a claim by knowing what is covered under the super top-uptop up medical insurance plan. Let's check below what all is covered:

Hospitalisation coverage including room charges, nursing expenses, ICU charges, surgeon's fee, doctor's fee, anaesthesia, blood, oxygen, and operation theatre charges, etc.
Adequate protection and coverage for advanced medical treatment procedures like robotic surgeries.
Coverage for medical expenses incurred 60 days before hospitalisation.
Coverage for medical expenses incurred up to 90 days after hospitalisation.
Coverage for organ donor while undergoing organ transplant surgery.
Annual health checkup for you and your family.

What is Not Covered Under Super Top Up Health Insurance Plan?

Knowing the policy's exclusions and non-coverage details can help policyholders avoid claim rejections Below are the exclusions of super top-uptop up health insurance plans:

Treatment arising from pregnancy and childbirth, miscarriage, abortion, and their consequences is excluded.
No coverage for expenses attributable to self-inflicted injury resulting from attempted suicide or suicide.
No coverage for treatment expenses relating to infertility and in vitro fertilisation.
The policy will not cover medical expenses incurred for cosmetic or plastic surgeries.
No coverage for costs incurred due to vision correction surgeries.

Note: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.

Super Top-up Policy Eligibility Criteria

The eligibility criteria for availing of our Enhance Super Top up are as follows:

Minimum Entry Age in Individual Cover:The minimum entry age for adults is 18 years or older, and for children, it is 5 to 24 years.
Minimum Entry Age in Family Floater Cover: Under the floater plan, the age eligibility for adults is 18 years or above. The age eligibility for children is from 1 day to 24 years, with at least one insured member aged 18 or older
Maximum Entry Age: This policy has no maximum age limit for entry
Age of the Proposer: Minimum 18 years or above.

How to File a Claim under the Super Top Up Plan?

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:

Cashless Claim Process	Reimbursement Claim Process
Step 1: Select any of our network hospitals and approach the hospital insurance desk. Step 2: Submit the pre-authorisation form and share the required identity proofs. Step 3: The hospital will send us the documents and the pre-authorisation form. Step 4: Our claim management team may raise a query if needed. Step 5: After document verification, the hospital will receive an approval letter from our claim management team for cashless treatment.	Step 1: Pay the hospital bills initially and duly fill out the reimbursement claim form. Step 2: Submit the form along with all the required documents to us. Step 3: Our claim management team may raise a query if required. Step 4: Once the claim management team completes document verification, an approval letter will be sent. Step 5: After approval, we will reimburse the hospitalisation expenses, subject to policy T&C.

Cashless Claim Process

Reimbursement Claim Process

Step 1: Select any of our network hospitals and approach the hospital insurance desk.
Step 2: Submit the pre-authorisation form and share the required identity proofs.
Step 3: The hospital will send us the documents and the pre-authorisation form.
Step 4: Our claim management team may raise a query if needed.
Step 5: After document verification, the hospital will receive an approval letter from our claim management team for cashless treatment.

Step 1: Pay the hospital bills initially and duly fill out the reimbursement claim form.
Step 2: Submit the form along with all the required documents to us.
Step 3: Our claim management team may raise a query if required.
Step 4: Once the claim management team completes document verification, an approval letter will be sent.
Step 5: After approval, we will reimburse the hospitalisation expenses, subject to policy T&C.

Factors to Consider While Buying Super Top Up Mediclaim Policy

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:

Sum Insured

Considering the rate of medical inflation and the need to secure health, super top-up health insurance plans with a higher sum insured are the right choice.

Deductible

A super top-up plan with a high deductible has a more affordable premium cost. So, it is vital to choose a deductible that covers medical expenses in addition to your base health insurance plan.

Premium

Reviewing the super top-up plans their add-on benefits, and the right deductible option, will help you opt for a policy with an affordable premium.

Add-on Benefits

Go through the policy documents once to understand the inclusions and choose a plan that suits your needs.

Co-payment

Check the co-payment clause and select a policy where you or your elderly parent will not have to pay a high co-payment

Cashless Hospitalization

The best super top-up mediclaim policy offers a cashless hospitalisation facility. Do check the network hospitals where you can easily avail of cashless medical treatment.

Waiting Period

The waiting period for pre-existing conditions may differ from that of the base plan. To avoid surprises, ensure you know the specific waiting period. Read the terms and conditions of the policy before buying.

Claim Settlement Ratio

Choosing a super top-up plan from an insurer with the highest claim settlement ratio helps ensure claims are settled on time.