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!
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.
Policyholders can get a higher sum insured by selecting more coverage amounts on top of their existing health insurance.
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.
One can purchase and raise claims against super top-up plans online in a hassle-free manner.
Super top-up health insurance plans cover treatment costs of COVID-19.
Individuals can avail cashless treatment facility from a network hospital of the insurance provider.
Under this insurance policy, policy members can pay deductibles only once and raise claims multiple times within their policy terms.
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.
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.
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:
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.
There are two ways to claim super top-up health insurance:
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.
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:
Compare policies from reputed insurers
Range of network hospitals
Claim settlement ratio
Before you go…