Super Top Up Health Insurance Plans

Advantages of Super Top-up Plans

• The super top-up health insurance plan requires the insured to pay your deductible only once, while you can raise claims multiple times during a policy year
• The insured can customize their super top-up plan as per their medical requirement. They can choose the deductibles and the Sum Insured as required
• The super top-up plans also do not have any room rent restriction to suit different preferences of different policyholders
• Further, the insured can avail treatment at any hospital they want from among the network hospitals of the insurer for cashless claims. They can even opt for a reimbursement claim if they want
• Super top-up plans can be bought easily via online processes in a paperless and hassle-free way

Why to opt for Super Top-up Health Insurance plans?

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.

Who Should Buy Super top-up health insurance?

The super top-up health insurance can be bought by:

1. Corporate employees

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

2. Elderly people

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

3. Policyholders with limited sum insured

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

What is covered under Super top-up plans?

• It covers all hospitalization expenses 
• It covers day care procedures
• Generally, there are no room rent capping under such plans
• Also, plan covers ICU room rent without capping
• It covers road ambulance charges
• It also allows complimentary annual health check-up
• It also covers pre- and post-hospitalization

What is not Covered under Super Top-up health insurance plans?

• Under these plans, claims cannot be made unless the insured has exhausted the deductible amount
• In case of PED or pre-existing diseases, claims cannot made unless the PED waiting period is over
• The plan doesn’t cover a condition that you are hospitalized for if the prescription given by the doctor doesn’t match 
• The plan doesn’t cover pre-and post-natal expenses if it doesn’t lead to admission in hospital 

How to file a Super top-up health insurance claim?

You can file a claim via reimbursement process or via cashless claim process.

1. Cashless Claims

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.

2. Reimbursement Claims

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.

Best Super top-up health insurance plans in India

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)	NA