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icon Health Insurance icon Super Top Up Health Insurance
  • Top Plans
  • What is Super Top Plan
  • How Does Plan Work
  • Who Should Buy
  • Popular Health Plans
  • What is Not Covered
  • Benefits
  • Plan As Per Your Need
  • Conclusion

Super Top-Up Health Insurance

In recent years, super top-up health insurance plans have gained popularity over top-up plans. Many insurance companies now offer super top-up plans instead of top-up plans. In case your existing health insurance coverage is not sufficient to meet your medical expenses, such plans can be used to enhance your coverage. Keep reading to know more about a super top-up plan.

Top Health Insurance Plans

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Reliance General Insurer
Amount Covered: ₹ 1 Lakh
Deal Price: ₹ 2,094 / Year
Waiting period: 4 yrs

What is a Super Top-Up Health Plan?

A super top-up plan provides additional coverage above your health insurance plan. It is the additional support you can have if your existing cover is not sufficient to pay the medical bills. One important feature of a super top-up plan is that it covers multiple medical claims in a policy year after the deductible is exhausted. This is the biggest advantage of a super top-up plan if you are undergoing long-term treatment for a disease. It will reimburse expenses after the sum insured by your standard health plan has been used.

How does a Super Top-Up Health Insurance Plan Work?

A super top-up health plan pays when the total claim in a year exceeds the deductible. Suppose you have a regular health insurance policy with a sum insured of ₹ 5 lakhs, and you buy a super top-up policy of ₹ 10 lakhs with ₹ 5 lakhs deductible. Your health coverage now is ₹ 15 lakhs. Your super top-up policy will cover the claim only when the total claim in a year is more than ₹ 5 lakhs. The table given below explains this further.

Claims in a Policy Year Base Policy Super Top-Up Policy
Claim 1 of ₹ 6 lakhs
Pays ₹ 5 lakhs
Pays the remaining ₹ 1 lakhs
Claim 2 of ₹ 2 lakhs
Nothing as the SI is exhausted
Pays the entire claim of ₹ 2 lakhs
Total Claim made in a year is ₹ 8 lakhs
Paid till the deductible limit of ₹ 5 lakhs
Paid the amount above the deductible limit i.e. ₹ 3 lakhs

Who Should Buy a Super Top-Up Plan?

Anyone who has a base plan that is not sufficient to cover all the medical expenses or with a base cover most likely to exhaust due to frequent hospitalisation should buy a super top-up health plan.

  • If you have group health insurance from your employer - The sum insured offered by a group health plan may not be enough to cover your family’s medical bills. In such a case, a super top-up plan can enhance your sum insured at a reasonable cost.
  • If you are a senior citizen or have extended family - Super top-up plans have low premiums, so it is a good option for senior citizens and people with big families. Also, it gives an additional boost to your existing cover.
  • If your existing health plan has limited benefits - A super top-up plan can enhance your coverage at a very affordable cost. You will not have to purchase a new comprehensive health plan for more benefits.

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What is Not Covered in a Super Top-Up Health plan?

Super top-up health insurance has certain limitations, and it does not cover;

  • Pre-existing diseases

  • Maternity Care

  • Hospitalisation without a doctor’s prescription

  • No claim until your existing health insurance deductible is used.

Benefits of a Super Top-Up Health Plan

  • Flexible and Affordable - Super top-up plans are flexible and let you choose your deductible amount. It is also affordable as it is cheaper than buying a new policy, so you can increase your coverage without paying a high premium.

  • Multiple Claims Covered - Unlike a top-up plan, a super top-up plan covers multiple claims in a policy year if the total claim exceeds the deductible amount. Note that the deductible needs to be paid only once, and you can claim multiple times.

  • High Sum Insured Options - You can choose a sum insured as per your requirement and affordability above your existing health cover or corporate policy, giving you an additional benefit over your health insurance.

  • Hospitalization Cover - A super top-up plan will cover all your hospitalisation expenses like room rent, ICU charges, nursing expenses, doctor’s fees, etc. It even covers advanced medical treatments and daycare procedures.

  • Individual as well as a Family floater Plan - A super top-up plan is available on an individual as well as family floater basis. You can get your entire family covered by paying a single premium.

  • Wide Network of Hospitals - With a super top-up plan, you can get treatment anywhere. There is a wide network of hospitals offering cashless treatment facilities. Also, you can opt for reimbursement if needed.

  • No Room Rent Limit - There are no room rent limits in a super top-up plan, you can choose any room in any network hospital to get treatment.

  • Annual Medical Check-Ups - A super top-up plan offers annual check-ups also. If you get your annual medical check-ups at a network hospital, it can be done cashless.

  • Easily Available Online - You can compare and purchase a super top-up plan easily online. It is recommended that you first check with your existing insurer if he provides a super top-up plan. This way you can get a discount.

  • Better Coverage for Senior Citizens - A super top-up plan is most beneficial for senior citizens as it provides additional coverage at a very low premium. Senior citizens are most likely to need hospitalisations or any medical treatment many times in a year, so a super top-up plan comes in handy as it covers multiple claims in a policy year.

Buy Health Insurance Plans as Per Your Need

5 Lakh Health Insurance Cover 10 Lakh Health Insurance Cover 20 Lakh Health Insurance Cover 1 Cr Health Insurance Cover

Conclusion

It is a good idea to invest in super top-up insurance to protect your savings in case of a medical emergency. A health insurance super top-up plan offers many benefits and flexibility to customise your health coverage as per your requirement. You get to choose a sum insured, and deductible amounts to avail of treatments that you and your family might need in the future.

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