Often people wonder what super top-up health insurance is and how it differs from regular health insurance plans. A super top-up policy kicks in when your base health plan sum insured is exhausted. It is responsible for increasing the overall coverage amount along with extra benefits when paired with your base health policy.
However, super top-up health insurance covers your medical care expenses when you have paid out-of-pocket expenses up to your deductibles limit.
Confused much? Worry not, let us understand the workings of a super top-up policy along with the deductible clause in the next section.
Before we move ahead with the workings of a super top-up policy let us understand what a deductible clause is under a super top-up health insurance.
A deductible is the amount that you are entitled to pay before your super top-up health plan starts covering your medical care expenses.
You as a policyholder, are free to set up your deductible limit at your convenience. At the time of hospitalisation, you pay the hospital bill out-of-pocket up to the specified deductible limit after which your super top-up health plan takes care of the rest of the medical bill.
A super top-up health plan functions similarly to a base health insurance plan offering coverage for hospitalisation expenses, ambulance charges, room rent, etc. Let us understand the functioning of the same with an example:
Features | Base Health Plan | Super Top-Up Health Plan |
---|---|---|
Sum Insured | INR 3 L | INR 4 L |
Claim Settled | INR 3 L (Deductible of super top-up paid through base policy) | INR 2 L |
Remainder Sum Insured | None | 2 L |
We have rounded up the top 5 super top-up policy picks that can fit your needs and requirements:
Plan Name | Entry age (min-max) | Sum insured | Waiting period | USPs | Check Plans |
---|---|---|---|---|---|
Care Enhance | 5 years - No limit | 1 - 55 Lakhs | 30 days | No pre-medical test Covers modern treatment procedures Flexibility with the deductible limit | |
NiveBupa Health Recharge | 18 - 65 years | 2 - 95 Lakhs | 30 days | No room rent capping Unlimited e-consultation facility is available Diagnostics and pharma services are available | |
HDFC ERGO My: Health Medisure Super Top-Up | 18 - 65 years | 1 - 10 Lakhs | 30 days | Constant premiums beyond 60 years No pre-medical check-ups till 55 years More coverage on lower premiums | |
Bajaj Allianz Extra Care Plus | 91 days - 80 years | 3 - 50 Lakhs | 30 days | Air ambulance services are covered Organ donor expenses are covered Maternity coverage benefits | |
ManipalCigna Super Top Up Plus | 91 days - No Limit | 3 - 30 Lakhs | 30 days | Guaranteed cumulative bonus Organ donor expense benefits Non-medical expenditure cover |
The age (last birthday) at which you buy an insurance policy is your entry age to that policy. Insurance policies usually come with a minimum and maximum age at entry which means that you must attain a specific age or should be less than the maximum age to buy a policy.
Sum insured is the maximum monetary coverage that a health insurance policy provides you. You should decide your sum insured based on the cost of medical treatments, your health, income, and lifestyle habits.
It is the time just after the purchase of a policy when the policyholder has to wait before getting any benefits.
If you are seeking information on important key features of the super top-up plan you have landed on the right page. Let us explore more
Features | Explanation |
---|---|
Higher value sum insured | The sum insured is adequate to cover huge expenses related to healthcare services |
Affordable premiums | In terms of affordability, these plans are pocket-friendly but provide optimum coverage |
Extended coverage | Super top-ups can provide senior citizens with advanced healthcare at affordable prices |
Tax benefits | You can avail of tax-saving benefits under Section 80D of the Income Tax Act of India |
Cashless facility | Get cashless treatment facilitation at the networking hospitals of your insurance providers |
Freedom to customize | Customize your plan with deductibles or additional coverage benefits a/c to your needs |
There are various advantages included with a super top-up health insurance plan which are discussed below.
Below is a list of what a super top-up plan does and does not cover:-
Inclusions | Exclusions |
---|---|
Regular health checkups | Unless the deductibles get exhausted, can't claim |
Daycare treatment | Pre-existing medical conditions |
Pre and post-hospitalization | Beautification treatment |
Ambulance charges | Pre and post-natal care |
ICU room charges | Unprescribed hospital admission |
Domiciliary hospitalization | Out-patient treatments |
No-claim bonus at renewals | Alcoholism or smoking-related issues |
Waiver of premiums (like, in case of a critical illness) | Adventurous activities or life-threatening action |
Maternity benefits (under specific limits) | Suicide or murder |
A super top-up health plan is best for those who have a high-risk medical profile. If you are someone with a medical history or major illnesses in your family, it is an essential tool for getting quality healthcare. A super top-up health plan is also recommended for senior citizens as they are prone to prolonged illnesses and hospitalisations which can drain finances.
Things you must keep in mind before investing in a super top-up health plan are:
Buying a super top-up with your base medical insurance policy will secure you in times of uncertainty. However, it compulsorily comes with a deductible that may feel like a task to pay out of your pocket. But buying super top-ups is a wise decision to avoid a financial constraint in the future. It can enhance your coverage benefits at a very low additional premium. It comes in handy if you feel the sum insured amount is not enough to manage your medical care expenses.
If you can get much more benefits with just a little more investment, then what's the wait?
Buy only the best super top-up health plans with PolicyX. Now!
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Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.
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