What is a Super Top Up Health Insurance Plan and How to Claim It?
Super top-up health insurance is the process of extending your health insurance in case you have exhausted the sum insured in a given year. It is ideal for family health insurance plans. You can also get super top-up health insurance for individuals. Super top-ups provide an extra cushion for rising medical expenses and during medical emergencies.
Key Benefits of Super Top-Up Health Insurance Plans
The key benefits of super top-up health insurance plans are as follows:
During hospitalisation and treatments, many insured persons may require additional coverage when their original policy amount gets exhausted. Insurers introduced super top-up plans to help them buy a policy with a higher sum insured but with lower premiums.
2. Deductibles
Policyholders who opt for super top-up plans will have to pay deductible amounts only once and then they can claim it multiple times in a year.
3. Claims
One can make multiple claims in the form of cumulative bills during one’s policy term after one’s deductible has been exceeded.
4. Freedom of Choice
One of the biggest benefits of buying a super top-up plan is that the buyer can choose any base plan without worrying about coverage. This way the policyholder can choose between individual or family floater plans based on their requirements.
5. COVID-19 Coverage
Most insurance companies offer super top-up plans with COVID-19 coverage. This makes it extremely convenient for policyholders who already have a pre-existing policy but that policy does not offer any COVID-19 coverage.
6. Lapse of Claim
The claims do not lapse after a single claim like in the case of top-up health insurance. Individuals can file a claim for the health plan multiple times in a year or up until the sum insured gets exhausted.
What’s Covered in Super Top-up Health Insurance?
- Pre and post-hospitalisation charge
- Day-care procedures
- Room rents of ICU (Intensive Care Unit)
- Ambulance charges
- Annual medical check-ups
- Additional tax saving
- Psychiatric Illness Cover
- Bariatric Surgery
What’s Not Covered in Super Top-up Health Insurance?
- Medical expenses concerning newborn babies
- Dental surgeries that do not require hospitalisation
- Injuries caused by wars, acts of foreign enemies etc.
- Pre and post-hospitalisation charges for organ donation
- Plastic surgeries
- Treatment for alcohol or drug abuse
- Hospitalisation without a doctor’s prescription
- Experimental treatments
- Treatment costs of venereal diseases
- HIV/AIDS treatment costs
- Costs of stem cell implantation surgery
- Claims made before spending the deductible amount
Difference between Super Top-Up and Top-Up Health Plans
Both super top-up and top-up health plans offer financial support when the policyholder’s medical expenses surpass the total sum insured limit. The aim of these health plans is to provide additional financial assistance, but they differ in coverage terms.
The differences between the super top-up and top-up health plans are explained below:
| Factors | Super Top-up Health Plans | Top-up Health Plans |
| Coverage | Covers cumulative medical expenses that exceed the sum insured and deductibles of a policy. | Covers only a single claim beyond the threshold limit of the existing medical insurance. |
| Premium Payable | Premium paid is higher than the top-up health plans. | Premium paid is lesser than what one has to pay in super top-up health plans. |
| How These Work | These health plans work on the permit of multiple mediclaims. | These plans are based on the principle of “per claim” or “per hospitalisation”. |
| Hospitalisation | These cover multiple hospital admissions. | These cover single hospitalisation. |
| Deductible | One can claim reimbursements if the deductible amount surpasses. | The deductible amount needs to be surpassed for every top-up plan for the policyholder to claim the additional coverage. |
| Claims | One can file multiple claims if the deductible is crossed only once. | The policyholder can make a claim once the deductible amount is crossed for every plan. |
| Lapse of claim | Lapses after the entire premium is exhausted. | Lapses after 1 claim. |
Who Should Buy a Super Top-up Health Insurance?
1. Senior Citizens
The premium of health insurance policies becomes more expensive for people over 60 years of age. It is best to consider a super top-up health insurance plan as it is an addition to their existing health policies, which could considerably reduce their total expense on the premium paid.
2. Individuals Who Require An Upgraded Corporate Plan
There may be instances when the sum insured of your existing employer’s health plan does not suffice. And, super top-up health insurance can provide an additional sum insured compared to standard insurance plans.
3. Policy Members Who Require More Coverage
Individuals who feel their existing health insurance policy’s benefits are insufficient can consider this plan. As this health insurance plan increases the coverage without the need of buying a new plan or add-on covers.
How to Select the Best Super Top-Up Health Insurance Plan?
To choose the best super top-up health insurance plan in India, policyholders might want to compare policies from different insurers. Check out the following points of consideration while comparing:
- Premium
- Deductible limit
- List of network hospitals
- Coverage amount
- Benefits
- Claim settlement record
In this regard, you can consider Navi Health Super Top-up insurance and avail of extensive coverage benefits. Download the Navi app and get cashless claims in under 20 minutes from over 10,000+ network hospitals across 400+ locations in India.
- Online doctor consultation benefit
- Easy claim process through the mobile application.
- No hidden charges
- Maternity expenses are covered with just a 1-year waiting period
- Higher cover at a lower premium
- Coverage benefits include in-patient hospitalisation, day-care treatments, pre and post-hospitalisation, domiciliary hospitalisation, AYUSH and more.
- Get any single occupancy room
- No sub-limits applied on your hospital bills
- No co-payment (post your deductible amount)
- Hospitalisation expenses for mental illness treatment
- Consumable expenses covered
How to Claim a Super Top-up Health Insurance?
There are two ways to claim super top-up health insurance:
- Cashless Claim: To be eligible for cashless claims, you need to get admitted to one of the network hospitals. Display your e-card at the hospital and request a cashless claim form.
- Reimbursement Claim: If you could not take admission in one of the network hospitals, emailing the insurer or displaying the bills will help you get a reimbursement. Inform your insurer at the earliest possible to get a full reimbursement.
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Final Word
A super top-up health insurance can come in handy if you have exhausted your sum insured amount in a given policy year. It can also be helpful for individuals and families to meet the rising cost of medical treatment, consultation and hospitalisation fees. Super top-up health insurance provides maximum coverage benefits in an affordable way. Choose this policy from a trusted and reputed insurer. To get access to cashless treatments in 10,000+ hospitals across India, lower premiums, low waiting period and other benefits, download the Navi app now!
FAQs
Ans: Yes, you can choose a higher deductible amount based on the policy type.
Ans: Yes, you can purchase super top-up health insurance without a health insurance plan. However, you will need to pay out-of-pocket expenses till you exceed the deductible limit.
Ans: Yes, you can cover the health expenses of a child, spouse or parents under a super top-up plan on a family floater basis.
Ans: A top-up health insurance plan covers medical expenses for a single claim when it goes above the deductible. A super top-up health insurance plan covers multiple claims beyond the deductible.
Here are some points to consider before you apply for this plan:
• Deductible limit
• Compare policies from reputed insurers
• Range of network hospitals
• Coverage benefits
• Claim settlement ratio
Before you go…
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Disclaimer: This article has been prepared on the basis of internal data, publicly available information and other sources believed to be reliable. The information contained in this article is for general purposes only and not a complete disclosure of every material fact. It should not be construed as investment advice to any party. The article does not warrant the completeness or accuracy of the information, and disclaims all liabilities, losses and damages arising out of the use of this information. Readers shall be fully liable/responsible for any decision taken on the basis of this article.
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