In health insurance, a top-up plan is similar to a super top-up plan. Super plans, however, come with additional benefits beyond top-up plans. Health insurance policies that cover medical expenses beyond the policy's limits are called super top-up policies. It only covers hospitalization costs if your regular health insurance has depleted your coverage or if you have paid in full for the charges up to your deductible. The super-top-up plan covers several claims over the policy limit throughout the year, unlike top-up plans, which only pay expenses over the policy limit once a year. These days, you may need more comprehensive health insurance than a standard policy provides. If your current health insurance coverage does not satisfy your current needs, you may want to choose super top-up health insurance to expand your coverage. When your existing insurance coverage runs out, it assists you with covering additional medical expenses. You can proceed to the next step once you've paid your deductible.
Benefits of A Super Top Up Plan
By adding a super top-up plan to your existing policy, you will be able to increase your health insurance coverage more cost-effectively than if you paid a higher premium. The following are some of the key benefits of super-top-up plans now that we understand how they work:
1. Deductibles - Annually, it is calculated as the claim amount an insured is responsible for. The insurer will only cover hospital expenses if they exceed the deductible. The deductible must only be paid once.
2. Coverage for hospitalization - The super-top-up plan helps you to avoid spending your hard-earned money on hiked prices. You and your family are also able to relax in case of an emergency. In addition to reimbursement for room rent and nursing bills, ICU fees, and doctor's fees will be paid by the policyholder. Furthermore, advanced medical procedures and daycare are covered by this policy.
3. Coverage for pre and post hospitalization - You will not be charged for diagnostic charges, follow-up tests, or medication expenses if you have the plan. In addition, it covers medical expenses incurred 30 days before and after hospitalization.
4. Checkups on an annual basis - As part of a super-top-up, you and your family are also covered for annual health check-ups. The insurer's network hospitals offer this facility cashless when a check-up is performed there.
5. Coverage for organ donors - The super-top-up plan covers organ donor fees, which can be a lifesaver for those facing serious illness-related expenses.
6. Floaters for families - You can also purchase a family floater plan that covers your entire family's medical expenses.
7. Cashless transactions - If you receive treatment at a network hospital, your insurer will directly cover your treatment expenses without you having to pay anything from your pocket for reimbursement later.
8. Right of first refusal - You can assess and return your policy during this period, usually 15 days. You will receive a refund less a certain percentage of your premium, as well as a proportionate risk premium.
9. Flexible and affordable - Furthermore, the super top-up plan gives you the option of choosing your own deductible amount. Premiums are lower when deductibles are reduced. Moreover, you may qualify for a rebate under Section 80D of the Income Tax Act. It is determined by many factors, including how much is covered, how many people are insured, their ages, and the policy length.
What Is All Included In Super Top-Up Health Insurance?
- Expenses related to medical care- Once the deductible is exceeded, it pays the remaining medical expenses during the policy term. During medical emergencies, it provides robust coverage. Major surgery, serious illness, or long-term treatment for a disease can significantly increase your healthcare costs. In the meantime, you can avoid digging into your savings with this plan since its sum insured (SI) ranges from Rs 5 lakh to Rs 1.30 crore.
- Expenses related to hospitalization - There are no limits on the number of doctors, surgeons, medical practitioners, anesthetists, and nurses that can be covered in this policy, as well as diagnostic tests, anesthesia, surgical appliances, blood, oxygen, medicines, and outpatient care charges.
- Implant costs - During surgery, artificial body parts and internal implantations such as pacemakers are covered.
- Costs associated with pre-and post-hospitalization- In addition to hospitalization expenses, the policy also covers travel expenses
- Procedures for daycare - A daycare policy covers expenses for daycare treatment. There is no need to stay in the hospital for 24 hours for daycare treatment.
- Room rent and ICU charges- Expenses for lodging, nursing care, and Intensive Care Units are covered by this policy.
- Charges for road ambulances - A medical emergency requires this facility as one of the most critical and basic. The cost of ambulance service is included in a super top-up plan.
- Check-ups are complimentary on an annual basis - Insured members are provided with a complimentary annual health check-up. After the policy period has ended, you can get this facility.
Exclusions of Super Top-Up Health Insurance
- There are no pre-existing conditions covered under Super Top Up Health Insurance Plans. It is possible to have pre-existing conditions if you have had them for quite some time before you purchased your insurance, or if they started before your policy was purchased, but have continued since then. Be sure to check with the insurer before purchasing a plan to ensure that any illnesses or disorders are covered.
- Elective surgery like breast augmentation or liposuction is not covered by Super Top Up Health Insurance Plans. These plans don't cover cosmetic surgery, hair removal treatments, plastic surgery to change facial features, sex reassignment surgery, weight loss surgery, hormone therapy for gender reassignment, tummy tucks, or any other cosmetic treatment.
- These procedures will not also be covered by Super Top Up Health Insurance Plans, including consultations and tests conducted before the procedures.
- There is one exception to this rule: if the procedure was performed because of an illness or injury resulting from an accident, and liability has been established against someone else who may be held liable through a lawsuit.
Things To Consider Before Buying Super Top-Up Health Insurance
The Super Top-up is a separate health insurance plan with its own restrictions and conditions. The important thing to be aware of is that you may easily make the wrong assumptions and decisions - while picking up such a Combo cover - which could end up costing you a lot of money as out-of-pocket expenses.
1 . Limits on finances - The features of a Super Top-up plan may be fewer than those of a full plan due to room rent limits. Before signing up, be sure to review all features and benefits thoroughly.
2. Claims under two policies- There will be two different health policies for you. Every time you need a higher level of coverage, you have to go through two different application processes. A Super Top-up can be purchased through the same insurer or through a different one. The process of processing the claim will become slightly more seamless when you get it from the same insurer.
3. There can be different waiting periods - Super top-ups might have a different pre-existing waiting period than base plans. Don't be surprised by the differences by understanding them carefully.
4. The cashless network can be different in several ways- Hospital networks that offer cashless services may vary depending on the insurance company. Make sure the list of hospitals is accurate.
Is It Better To Upgrade The Existing Plan or Go For A Super Top?
Compared to an upgrade to your existing health plan, a Super Top-up is extremely cost-effective. In the long run, it can provide you and your family with great health insurance coverage at a reasonable price. Our recommendation is to combine a Super Top-up with your base plan for the best health insurance purchase. As a result, it is crucial to have a base coverage that will cover all smaller hospitalization needs without compromising on the quality of care or room-rent limits.
When is The Best Time To Buy A Super Top-Up?
A Super Top-up plan's deductible is calculated annually. A super top-up policy will pay if the hospitalization expense during the year exceeds the deductible amount. It is recommended to buy a Super Top-up in the same month (or better yet, on the same date) as your base plan. Claim payments can become complicated if the months don't coincide.
Best Super Top-Up Health Insurance Plan
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Company Name
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Plan Name
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Hdfc Ergo
Health Insurance
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Medisure
super top up
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Tata Aig
Health Insurance
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Medicare
Plus
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Niva Bupa
Health Insurance
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Health
recharge
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Care
Health Insurance
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Enhance
plan
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1. HDFC ERGO My Health: Medisure Super Top Up - Hopefully, your health always thrives, but what if there are times when even your existing health insurance isn't enough? Keep your family and yourself stress-free by not letting rising medical costs worry you. Ensure adequate coverage for medical treatment with my: health Medisure Super Top-up.- Securely binds the family together - It is understandable that your loved ones are many. As a result, this policy covers you, your parents, in-laws, nieces, nephews, spouses, and children.
- 61-year-olds pay constant premiums - Make your old age hassle-free and peaceful with HDFC ERGO's Health Insurance. Enjoy consistent premiums with a brand millions trust after 61 years.
- Health checkups are not required until 55 years of age - It's our pleasure to secure your health without the hassle of health checkups. Regardless of what happens, your and your family’s health is always protected.
- Get more for less - Get a 5% discount on the premium if you take out a 2-year policy. A 10% discount is available on an individual Sum Insured basis for families of more than two members.
2. Tata Aig Medicare Plus - It comes with several features and benefits that suit your needs, and it is an affordable and economical top-up policy offered by Tata AIG. Medical expenses covered by the policy will be reimbursed if the aggregate exceeds the deductible. This policy is available to people between the ages of 18 and 65, and they may include up to 7 family members, including themselves, their spouses, up to three dependent children, and up to two dependent parents. A deductible of Rs. 2 Lakh and a sum insured of Rs. 1 Crore are available as options. As per your budget and requirements, you can purchase the policy for 1 year, 2 years, or 3 years. The Medicare plus policy offers a wide range of coverage to its members. Among the benefits are inpatient hospitalizations, second opinions, daycare procedures, pre-hospitalization and post-hospitalization expenses for a specified number of days, AYUSH benefits, ambulance coverage, organ donation costs, domiciliary treatment costs, and global coverage (optional). In addition to coverage benefits, the policy offers tax deductions on premiums paid, lifelong renewal, and cumulative bonuses. Basically, the policy provides you and your family with complete well-being and protection.
2. Niva Bupa Health Recharge Plan - Niva Bupa Health Insurance offers a super top-up policy called Health Recharge Policy. With an affordable premium, you and your family members are covered under this policy. Besides yourself, you can also include your legally wedded spouse and up to four children. Various sum insured options are available, starting at Rs. 2 lakhs and going up to Rs. 95 lakhs. Besides the sum insured, you must also select a deductible option, which ranges from Rs. 10k to Rs. 1 lakh in E-Saver and super top-up plans. Several healthcare expenses are covered by the policy, including in-patient hospitalization, pre-hospitalization, and post-hospitalization expenses, organ transplant, e-consultations, daycare, alternative treatment, and ambulance transportation. Additional coverage can also be added to this policy by paying an additional premium at the time of purchase. There are three types of insurance: personal accident, critical illness, and room rent modification. Even if you have a base health insurance policy already, you can opt for this policy. It offers a wide range of coverage. 3. Care Enhance Plan- The Care Enhance health insurance policy provides coverage for illnesses that are way too critical and for treatments that exceed your expectations. Enhance 1 and Enhance 2 are the two variants of the policy. The two policies differ in terms of coverage benefits, sums insured, and deductibles. There are two sum insured options available in these two plans: Enhance 1 offers a choice between 1 lakh and 30 lakhs and Enhance 2 offers a choice between 45 lakh and 30 lakh and 55 lakhs. For coverage, if the deductible and sum insured are less than Rs. 40 lakhs together, there is no pre-policy medical check-up required up to 50 years of age. With Enhance Anywhere, you can access selected medical treatments anywhere in the world. Thousands of leading Indian hospitals are covered under the policy, offering hassle-free cashless treatment. A policy that covers inpatient care, daycare expenses, pre-hospitalization, and post-hospitalization expenses, enhanced anywhere, etc., may provide you with several coverage benefits. Additionally, the policy offers floater coverage, tax benefits under Section 80D of the Income Tax Act, 1961, and add-on benefits.
