A Super Top Up health insurance plan is the best way to meet the expenses of rising healthcare costs in case the sum insured under your regular health insurance policy is not enough. In this post, let us understand a super top-up plan better.
A super top-up plan acts like an extension to your health insurance policy which provides coverage over and above the threshold limit of your policy in multiple cases. So, you can raise maximum claims during a policy year even after you have consumed your sum insured to the maximum limit. The best thing about a super top-up plan is that it covers cumulative expense claims, which is not covered under a regular top-up plan. Hence, the claims for cumulative medical expenses are covered within a policy year once the insured has exceeded the deductible limit. While under regular top-up plans, it only covers a single claim that goes above the deductible.
Here are some reasons to opt for health insurance top-up plans:
|To deal with the increasing medical costs or the medical inflation||To fulfil the requirement of higher sum insured||Allow the senior citizens and parents enhanced coverage|
|It also helps with additional tax savings||Acts like a saviour during emergency medical requirements||They serve as cost-effective options to ensure coverage for life’s uncertainties.|
The super top-up health insurance can be bought by:
People working in the corporate sector who are covered under their employer health insurance policies with sum insured that may not be enough for the entire family
This plan can be availed for senior citizens and parents to reduce their premium amount. This is because as we grow older the premium of our health insurance becomes higher. So, a super top-up can help in curbing the premium amount of the elderly
In case you have bought a policy with limited sum insured and you want to enhance the coverage benefits, you can opt for a super top-up plan
You can file a claim via reimbursement process or via cashless claim process.
For cashless claims, you can get admission in a network hospital of your insurer and show your e-health card at the helpdesk to process the cashless request form. After fulfilling the formalities, the insurer will settle the claim with the hospital directly.
On the other hand, in case of reimbursement claims, the policyholder has to pay for the hospital bill at the time of discharge. Later, they can raise a claim for the bill amount. The insured is required to submit hospital bills and every other relevant document to initiate the reimbursement process.
Here are some good super top-up plans available in India:
|Super top-up plan||Entry age||Tenure||Sum insured||Deductible|
|Chola MS Super Top-up Plan||3-70 years||2, 3 years||INR 3 lakh - 25 lakh||INR 50,000- 1 Crore|
|Aditya Birla Activ Assure + Super Health Top-up||5-65 years||NA||INR 1 Crore||NA|
|Digit Super-Top up Health Plan||18-65 years||NA||NA||NA|
|Care Enhance Super Top-up Health Plan||18 years and above||NA||(Enhance 1) INR 1 Lakh - 30 Lakh
(Enhance 2) INR 35 Lakh - 50 Lakh
|(Enhance 1) INR 1 Lakh - 10 Lakh
(Enhance 2) INR 2 Lakh - 20 Lakh
|Manipal Cigna Super Top-up Plan||18 years and above||1,2,3 years||INR 3 Lakh - 30 Lakh (Super Plus)
INR 1 Lakh - 30 Lakh (Super Select)
A super top-up health insurance plan is a policy that allows coverage against medical expenses above the deductible limit. Thus, it helps the insured to enhance policy cover after their existing sum insured limit is exhausted.
Deductible is the amount under your health insurance that you have to pay before availing the benefits of a super top-up plan.
Yes, generally super top-up plans offer coverage for Ayush treatment.
Yes, you can choose a higher deductible depending on the policy and the insurer.
A top-up health insurance plan is a product that offers medical coverage in addition to your regular health insurance policy.
* Rs. 245/month is the starting price for a 5 lac health insurance for an 25-year-old male, with no pre-existing diseases.
*! Rs. 334/month is the starting price for a 10 lac health insurance for an 25-year-old male, with no pre-existing diseases.
*@ Rs. 12/day is the starting price for a 5 lac family health insurance for an 25-year-old male and 22-year-old female, with no pre-existing diseases.
*# Rs. 12/day is the starting price for a 5 lac health insurance for an 25-year-old male, with no pre-existing diseases.
*$ Rs. 600/month is the starting price for a 20 lac health insurance for an 25-year-old male, with no pre-existing diseases.
*^ Rs. 12/day is the starting price for a health insurance that covers coronavirus for an 25-year-old male, with no pre-existing diseases.