A super top-up health insurance policy provides reimbursement for cumulative medical expenses over and above a deductible. It covers all hospitalisation expenses only after the sum insured of the standard health policy gets exhausted or you have paid the costs, up to the deductible, from your pocket.

What is super Topup plan?

Super Top Up policy is a Family Floater Policy which offers you coverage of Mediclaim above your chosen deductible limit along with extra ordinary features. It offers you financial relaxation in the event when your hospitalisation claim bill crosses your sum insured under any other Mediclaim policy.

How does super top up plan work?

A super top-up plan covers the total of all hospitalization bills once the deductible is paid. In other words, when the total admissible claims surpass the deductible limit, this plan becomes active for subsequent claims. The deductible is applied to the total admissible claims in one year.

What is the difference between top up policy and super top up?

The major difference lies in the fact that a Super Top-up Plan offers coverage for complete hospitalization bills above the threshold limit, whereas a top-up policy only covers a single hospitalization claim above the threshold limit (i.e. the Deductible amount).

Is it good to take top-up health insurance?

So, if you think that your existing sum insured/coverage amount is not sufficient then a top-up health plan is a good option for you. If your current policy has a sum assured limit of 5 Lakh and you get a top-up plan of Rs. Once your existing sum assured is exhausted then you can use your top-up plan.

What is deductible amount in super top-up?

A deductible is the amount you or your primary insurer has to pay before your super top-up insurance can pay for you. So, for example if you’ve chosen a top-up or super top-up plan of Rs 2 lakhs as your deductible, and Rs 20 lakhs as your Sum Insured.

Which is the best super top-up plan?

Super Top-up health Insurance plans in 2021

What is Topup recharge?

Key Difference: Top-up is a way to replenish a prepaid mobile account without extending the validity period, whereas recharge is a way to replenish a prepaid mobile account with the extension of validity period. There are two ways of using the mobile account.

Is super top-up cashless?

Most of the health insurance companies allow cashless claim benefits on their super top-up policies. Also, super top-ups come with different deductible limit options depending on your policy and the insurer, and they are available in individual as well as floater variants.

Which is the best super top up plan in India?

Some of the popular top-up and super top-up health insurance policies in India are mentioned below. Bajaj Allianz Extra Care – This policy offers cover ranging from Rs 10 lakh to Rs 15 lakh with deductibles ranging between Rs 3 lakh and 5 lakh. Working on a per claim basis, it comes with a family floater option.

What is a top up health insurance plan?

In simple words, a Top-up health insurance policy provides protection after the basic threshold limit under a normal policy is breached. What is a Super Top-up Health Insurance Plan? A Top-up insurance policy has certain drawbacks when it comes to its implementation, which can be resolved by opting for a Super Top-Up policy.

How does a super top up plan work?

A super top-up health plan covers the total hospital bills up to the limit specified in your super top-up plan above the deductible amount. Hence, once your deductible is paid, the super top-up policy becomes active for subsequent claims.

Do you have to pay premiums for Super top up?

Buying a super top-up policy can considerably reduce the premium. The only drawback is that you need to pay the deductibles from your existing health or corporate plan or your pocket. Upgrade Employer Health Plan – Buy a Super top-up health plan to upgrade corporate health insurance in case your sum insured does not suffice.

Is there a limit to Super top up?

Ans: While purchasing a super top-up health insurance policy you need to opt for the right deductible limit. It is the limit of your regular health insurance plan. You are advised to compare your policy options thoroughly without only considering the premium.