What Is Super Top Up Health Insurance Plan?
share
A super top-up health insurance plan adds to the sum insured of your existing health insurance policy. You may need a super top-up to meet the rising medical costs or if you have exhausted the sum insured. To activate his plan, you need to pay a specific amount of medical expenses called a deductible. This amount is negligible considering the coverage and security super top-up provides.
Safeguard yourself and your family during a medical emergency today. Learn about super top-up health insurance plans – features and benefits, which expenses are covered, who should buy a super top-up and how to select one. Read on!
Table of contents
- What is a Super Top-Up Health Insurance Plan?
- What’s Covered in Super Top-up Health Insurance?
- What’s Not Covered in Super Top-up Health Insurance?
- Who Should Buy a Super Top-up Health Insurance?
- How to Select the Best Super Top-Up Health Insurance Plan?
- Why Should You Buy Navi Super Top-up Health Insurance Plan?
- How To Claim A Super Top-Up Health Insurance?
- Final Word
- FAQ’s on Super Top-up Health Insurance
What is a Super Top-Up Health Insurance Plan?
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. However, you can also buy it for individual health insurance. Super top-ups provide an extra cushion for the rising medical expenses and during medical emergencies.
- Higher Sum Insured
Policyholders can get a higher sum insured by selecting more coverage amounts on top of their existing health insurance.
- Flexible Deductibles
The best super top-up health insurance makes it possible for members to choose a limit on deductibles as per their existing plan and its sum insured.
- Quick Online Process
One can purchase and raise claims against super top-up plans online in a hassle-free manner.
- Covers Pandemics
Super top-up health insurance plans cover treatment costs of COVID-19.
- Cashless Treatment
Individuals can avail cashless treatment facility from a network hospital of the insurance provider.
- Pay Deductibles Only Once
Under this insurance policy, policy members can pay deductibles only once and raise claims multiple times within their policy terms.
- Tax Benefits
Insured individuals can also obtain tax benefits on the premium paid for super top-up health insurance under Section 80D of the Income Tax Act.
Also Read: 7 Questions To Ask Before Getting A Health Insurance
What’s Covered in Super Top-up Health Insurance?
- Pre and post hospitalisation charges
- Day-care procedures
- Room rents of ICU (Intensive Care Unit)
- Ambulance charges
- Annual medical check-ups
- Additional tax saving
What’s Not Covered in Super Top-up Health Insurance?
- Medical expenses concerning new-born 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
Who Should Buy a Super Top-up Health Insurance?
1. Senior Citizens Above 60 Years
With an increase in age, the premium of health insurance policies also becomes more expensive. Senior citizens might want to consider this insurance plan as it is an addition to their existing health policies that considerably reduce their total premium.
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.
Also Read: Waiting Period In Health Insurance: What Is It & Why Is It Important?
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. You can also expect speedy super top-up Mediclaim settlements owing to their app-based processes. Download the Navi app on your Android & iOS device, and get cashless claims in under 20 minutes from over 10,000+ network hospitals across 400+ locations in India.
Why Should You Buy Navi Super Top-up Health Insurance Plan?
- Range of coverage benefits including in-patient hospitalisation, day-care treatments, pre and post hospitalisation, domiciliary hospitalisation, AYUSH and more.
- Offers various optional coverage such as daily cash allowance, waiver of mandatory co-payment etc.
- Flexible mode of claims- reimbursement and cashless.
- Easy claim process through the mobile application.
- Transparent process without any hidden charges.
How To Claim A Super Top-Up Health Insurance?
There are two ways to claim super top-up health insurance:
- Cash Claim: To be eligible for cash claims, you need to take admission in one of the network hospitals. Display your e-card at the hospital and request for 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.
Final Word
Now that you know everything about this health insurance, its benefits and other details, you can successfully apply for one from a reputed insurer. Considering the rising medical costs, this insurance is an affordable way to obtain maximum coverage benefits and a high sum assured over and above your existing health insurance.
FAQ’s on Super Top-up Health Insurance
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…
How about an affordable health insurance policy 👨⚕️ starting at a monthly premium of just ₹235? Install the Navi app now and get your policy in under 2 minutes.
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.
Trending Blogs
Latest Webstories
