Super Top-up Health Insurance Plans In India
By Okbima 08 Dec 2023 60

Super Top-up Health Insurance Plans In India

 

Super top-up health insurance plans in India are an additional layer of protection that individuals can opt for, to ensure comprehensive coverage for medical expenses. These plans act as a supplement to existing health insurance policies and help the insured person when the sum insured under the base policy gets exhausted. They offer a higher coverage amount at a relatively lower premium and are beneficial in case of any major medical emergencies or hospitalizations. 

 

What is a Super Top-up Health Insurance Plan?

A Super Top-up Health Insurance Plan is an additional layer of health insurance policy that offers additional coverage beyond the threshold limit of an existing basic health insurance plan. It acts as a backup plan to provide coverage for medical expenses that exceed the sum insured by the primary health insurance policy.

In a Super Top-up Health Insurance Plan, the policyholder has to pay for medical expenses up to a certain threshold called the deductible. Once the deductible amount is exhausted, the policy becomes active and covers the medical costs above that threshold, up to the sum insured. The deductible can be chosen by the policyholder depending on their needs and affordability.

Super Top-up Plans

                                

Deductible

Rs 4 Lakh

Sum Insured 

Rs 12 Lakh

Claim Amount

Rs 8 Lakh

You Pay

Rs 4 lakh

Insurer Pays

Rs 4 lakh

 

Best Super Top-up Health Insurance Plans in India

When you are buying a Super Top-up Health Insurance Plans in India, It's crucial to compare plans based on your specific needs, including coverage, deductibles, and premium costs. Below, we have mentioned some of the best super top-up health insurance plans in India.

 

Super Top-up Plan

Entry age

Sum Insured

 

Aditya Birla Activ Assure + Super Health Top-up

5-65 years

Rs 1 Crore

Get a Quote

Bajaj Allianz Extra Care Plus

5-65 years

Rs 10 L and Rs 25 L

Get a Quote

Care Enhance Super Top-up Health Plan

18years & above

Enhance 1: Rs 1 L- Rs 30 L

 

Enhance 2: Rs 35 L-

 

50 L

Get a Quote

Chola MS Super Top-up Plan

3-70 years

Rs 3 L- Rs  25 L

Get a Quote

Edelweiss Family Health Top-up Plan

18 years & above

Rs 1 L- Rs 500 L

Get a Quote

Liberty Connect Supra Top-up ( I & II)

91 days-65 years

Rs 3 L- Rs 20 L

 

Rs 10 L- Rs 1 Crore

Get a Quote

Manipal Cigna Super Top-up Plan

18 years & above

Super Plus: Rs 3 L- Rs 30 L

 

Super Select:  Rs 1 L- Rs 30 L

Get a Quote

National Super Top-up Mediclaim Policy

18-65 years

Rs 3 L- Rs 20 L

Get a Quote

Oriental Super Health Top-up Plan

18-65 years

Rs 3 L to Rs 30 L

Get a Quote

Raheja Health QUBE Super Top Up Plan

18-65 years

Rs 2 L- Rs 1 Crore

Get a Quote

Disclaimer: Okbima does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.

 

How Does Super Top-Up Health Insurance Plans Work?

Super top-up health insurance plans work as an additional layer of coverage over and above the existing health insurance policy. These plans are designed to provide additional protection to individuals against high medical costs that may exceed the sum insured by their primary health insurance policy.

 

For example, let's consider the case of Mohan:

 

Mohan has a health insurance policy with a sum insured of INR 5 lakhs. However, due to inflation and increasing healthcare costs, he decided to purchase a super top-up health insurance plan with a coverage limit of INR 20 lakhs. 

In case Mohan incurs medical expenses exceeding INR 5 lakhs, the super top-up health insurance plan will become active and cover the additional costs above this threshold, up to the total coverage limit of INR 20 lakhs. This helps Mohan protect himself against unexpected medical emergencies without worrying about exhausting his primary health insurance coverage.

 

Benefits of a Super Top-up Health Insurance Plan

A Super Top-up Health Insurance Plan is an additional layer of health insurance policy that offers additional coverage beyond the threshold limit of an existing health insurance plan. This type of policy provides an extra layer of financial protection, particularly in situations where the medical expenses surpass the sum insured by the primary health insurance plan. Here are some of the benefits of buying a Super Top-up Health Insurance Plan:

 

  1. Pay Deductibles only once: With a super top-up health insurance plan, you only need to pay deductibles once in a policy year. This means that if you have multiple hospitalizations or medical expenses throughout the year, you will not have to pay deductibles each time.

  2. Customizable: Super top-up health insurance plans offer flexibility in terms of coverage and deductibles. You can choose the sum insured and deductibility that best suits your needs and budget. This allows you to customize your insurance plan as per your specific requirements.

  3. Higher Sum Insured: Super top-up health insurance plans generally offer a higher sum insured compared to regular health insurance plans. This ensures that you have substantial financial safety protection in case of expensive medical treatments or emergencies. 

  4. Higher coverage for seniors and parents: Super top-up health insurance plans are particularly beneficial for senior citizens and parents. As they are more susceptible to severe health issues and require additional medical attention, a super top-up health insurance policy can provide them with comprehensive coverage at an affordable cost

  5. Additional Tax Saving: Premiums paid towards a super top-up health insurance plan are eligible for tax deductions under Section 80D of the Income Tax Act. This means that not only are you securing your health and finances, but you can also save on your tax liability.

  6. Get treated at Network Hospitals: Most super top-up health insurance plans come with a network of hospitals where you can avail of cashless treatment. These network hospitals have tie-ups with the insurance company, making the claim settlement process hassle-free and quick.

  7. Quick and Hassle-free: Super top-up health insurance plans often have an easy claim settlement process. They offer a quick and hassle-free experience, ensuring that you receive the financial support you need at the time of medical emergencies or hospitalization. 

 

What is Covered in the Super Top-up Health Insurance Plans?

Super Top-up Health Insurance Plans may cover a range of medical expenses beyond the threshold limit of the primary health insurance plan. Below are the additional coverages that might be included in your super top-up health insurance policy.

  1. Pre and Post-Hospitalization Expenses: Super Top-up health insurance plans often cover medical expenses incurred before and after hospitalization such as diagnostic tests, consultations, and medications prescribed.

  2. Day Care Procedures: Coverage is extended to expenses related to day-care procedures, which are medical treatments or surgeries that do not require 24-hour hospitalization.

  3. Road Ambulance Charges: Super Top-up health insurance plans often cover the expenses associated with road ambulance services, ensuring that transportation costs during emergencies are taken care of.

  4. Complimentary Annual Health Checkup: The Super Top-up health insurance policy offers a complimentary annual health checkup as part of the coverage, encouraging preventive healthcare measures.

  5. Organ Transplant Expenses: Costs related to organ transplantation, including surgery, donor expenses, and post-operative care, are typically covered by a Super Top-up health insurance policy. 

  6. Critical Illness Coverage: Certain Super Top-up health insurance plans may provide coverage for critical illnesses such as cancer, heart attack, stroke, and others.

  7. Alternative Treatment Costs: The Super Top-up health insurance policy may cover expenses related to alternative treatments, such as Ayurveda, Homeopathy, or Unani, depending on the policy terms.

  8. Ambulatory Patient Care (OPD) Expenses: Some Super Top-up health insurance plans extend coverage to outpatient department (OPD) expenses, including doctor consultations, diagnostic tests, and prescription medications without the need for hospitalization. 

 

What is Not Covered in the Super Top-up Health Insurance Plans?

Super Top-up Health Insurance Plans typically come with certain exclusions, and it's important for policyholders to be aware of what is not covered by the policy. Below are some of the common exclusions in the Super Top-up Health Insurance Policy.

 

  1. Policy Deductible Limit: Claims cannot be filed until the policy deductible limit is exhausted. The deductible is the amount the policyholder has to pay out of pocket before the insurance coverage begins.

  2. Medical Expenses of the Newborn Baby: Expenses related to the medical care of a newborn baby are typically not covered under Super Top-up health insurance plans

  3. Organ Donor Pre and Post-Hospitalization Expenses: Costs associated with organ donation, both before and after hospitalization, are generally excluded.

  4. Dental Surgeries Unless Requires Hospitalization: Dental procedures that do not require hospitalization may not be covered.

  5. War and Related Events: Loss or damage due to war, acts of foreign enemies, invasion, hostilities, civil war, and similar events are usually excluded.

  6. Plastic Surgeries: Cosmetic or plastic surgeries, unless necessitated by an accident or specified medical conditions, are typically not covered.

  7. Cost of Contact Lenses, Spectacles, or Hearing Aids: The expenses related to routine items like contact lenses, spectacles, or hearing aids are often excluded.

  8. Drug or Alcohol Abuse: Treatment for health conditions caused by drug or alcohol use may not be included.

  9. HIV/AIDS Treatment: Treatment for HIV/AIDS is typically excluded from the Super Top-up health insurance plans.

  10. Vitamins and Supplements (unless required as part of in-patient hospitalization): The cost of vitamins and supplements is generally not covered unless prescribed during in-patient hospitalization.

 

Difference Between Top-up and Super Top-up Health Insurance Plans

Here's the summary of the difference between Top-up and Super Top-up Health Insurance Plans which you can look up to before making any buying decision.

 

Situations

Top-up Health Insurance Plan

Super Top-up Health Plan

Coverage

Single claim coverage above the existing medical insurance threshold.

Cumulative medical expenses exceed the deductible and sum insured.

Policy Example

Mr. Gupta with a Rs 5 lakh policy gets a Top-up plan of Rs 10 lakh with a Rs 5 lakh deductible. It covers Rs 7 lakh above the deductible for a single claim of Rs 12 lakh.

Mr. Gupta with a Super Top-up policy of Rs 10 lakh and a Rs 5 lakh deductible. It covers Rs 7 lakh above the deductible for a single claim of Rs 12 lakh and Rs 3 lakh for two claims of Rs 4 lakh each.

Single Claim of Rs 12 lakh

The Basic health plan covers Rs 5 lakh, and the Top-up plan pays the remaining Rs 7 lakh above the deductible.

The basic health plan covers Rs 5 lakh, and the Super Top-up plan pays the remaining Rs 7 lakh above the deductible.

Two Claims of Rs 4 lakh Each

If the total amount is not more than Rs 5 lakh, the Top-up plan won't be activated.

The health plan covers Rs 5 lakh, and the Super Top-up plan covers the remaining Rs 3 lakh.

 

Why Should I Buy a Super Top-Up Health Insurance Plan In India?

Super top-up health insurance plans in India offer several benefits that make them a worthy investment for individuals. Below are some of the few reasons why you should consider purchasing a super top-up health insurance plan.

• Enhanced Coverage: A super top-up health insurance policy provides additional coverage and acts as an added layer of financial protection by covering medical expenses beyond the deductible limit of your primary health plan. 

• Cost-effective: Super top-up health insurance plans are generally more affordable than buying a regular comprehensive health insurance policy with a higher sum insured. 

• Financial Protection: With rising medical costs, it is important to have a health insurance plan that provides sufficient coverage. You can avail the benefits of the super top-up health insurance policy once your medical expenses exceed the deductible amount.

• Flexibility: The Super top-up health insurance policy offers flexibility in terms of coverage. You can choose the deductible amount based on your requirements and the budget. Higher deductibles result in lower premium payments. 

• Family Coverage: A Super top-up health insurance policy often provides coverage for the entire family under a single policy. This ensures that your loved ones are also protected from unexpected medical expenses without the need to purchase multiple individual policies.

• Tax Benefits: Premium paid towards the super top-up health insurance policy is eligible for tax deductions under Section 80D of the Income Tax Act, 1961 This can help you save on your taxable income and reduce your overall tax liability.

 

Eligibility Criteria to Buy the Best Super Top-up Insurance Plans 

Eligibility criteria to buy the best Super Top-up Insurance Plans in India can vary among insurance providers. However, certain common factors are typically considered when determining eligibility. 

• Minimum Age Requirement: The person purchasing the policy is generally required to be at least 18 years old. Some insurance providers may have variations in the minimum age requirement, but this is a common starting point for eligibility.

• Age of the Eldest Member Insured: The age of the eldest member covered under the plan is a crucial factor. Insurance providers may have specific age limits for enrollment, and the premium may vary based on the age of the eldest member.

• Location of Residence: The residential location of the policyholder is often taken into account. Some insurance plans may have specific coverage options or variations based on the city or region of residence.

• Number of Insured Individuals: The number of people intended to be covered under the policy is a significant consideration. Insurance providers often offer family floater plans that cover the policyholder, spouse, children, and sometimes dependent parents.

• Credit Score: While a credit score is not a standard eligibility criterion for health insurance, it may be considered by some insurers, especially for high-value policies. A good credit score can reflect the policyholder's financial responsibility and may impact premium rates.

 

Documents Required to Buy a Super Top-up Health Insurance Policy

The documents required to buy a Super Top-up Health Insurance Policy may vary depending on the insurance company. However, below we have mentioned some of the common documents required.

  1. Completed proposal form: This form will ask for your personal information, medical history, and details about your existing health insurance policy.

  2. Proof of identity: This could be a copy of your driver's license, passport, or voter ID card.

  3. Proof of address: This could be a copy of your utility bill, rental agreement, or bank statement.

  4. Proof of income: This could be a copy of your salary slip, tax return, or bank statement.

  5. Medical reports: If you have any pre-existing conditions, you may be required to provide medical reports from your doctor.

  6. Cancelled cheque: This is required for setting up the premium payment process.

 

Note: Please note that you may need additional documents depending on your situation. For example, if you are buying a Super Top-up Health Insurance Plan for your family members, you may need to provide copies of their birth certificates.

 

How to file a Claim for a Super Top-up Health Insurance Plan?

The process for filing a claim for a Super Top-up Health Insurance Policy typically involves an easy step which we have mentioned below.

Step 1: Inform the insurance company about the hospitalization as soon as possible. This can be done by calling the insurance company's customer service number or by submitting an online claim intimation form.

Step 2: Collect all the necessary documents such as Hospital bills and receipts, Discharge summary, Pre-authorization letter (if applicable), Medical reports, and Copy of your Super Top-up health insurance policy.

Step 3: Fill out the claim form provided by the insurance company. Make sure to provide accurate and complete information, including your personal details, policy details, hospitalization details, and treatment details.

Step 4: Submit the completed claim form along with all the required documents to the insurance company. You can submit the documents online, by courier, or in person at the insurance company's branch office.

 

Conclusion

In conclusion, selecting the best super top-up health insurance plan in India is crucial for individuals seeking additional coverage beyond their existing health insurance policy. When it comes to the best super top-up health insurance plans in India, New India Assurance, ICICI Lombard, and HDFC ERGO emerge as the top insurance companies. These companies provide comprehensive coverage, flexible sum insured options, and attractive features such as no medical check-ups for policy renewals.

 

FAQs

What is a super top-up health insurance plan?

A super top-up health insurance plan provides additional coverage once the deductible limit is reached, offering cost-effective protection against high medical expenses.

 

What should I consider before buying a Super Top-up Health Plan?

Consider factors such as deductible amount, coverage limit, waiting periods, and exclusions. Tailor the plan to meet your specific healthcare needs and financial capacity.

 

What do you mean by deductible in a super top-up medical plan?

A deductible is the initial amount you bear before the super top-up plan activates. Choosing an appropriate deductible influences premium costs and overall coverage.

 

Is Ayush's treatment covered under Super top-up plans?

Coverage for Ayush treatments varies among plans. Review policy documents to confirm the inclusion of Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments in your super top-up plan.

 

Can I choose a higher deductible amount in the Super top-up plan?

Yes, selecting a higher deductible lowers premium costs. Customize your super top-up plan by choosing a deductible amount that aligns with your financial comfort and healthcare needs.

 

Why do I need super top-up health insurance?

Super top-up insurance provides financial cushioning against unexpected medical expenses beyond your regular health plan's coverage, ensuring comprehensive protection and peace of mind

.

Who is eligible to buy a super top-up health insurance?

Individuals of varying ages can purchase super top-up health insurance. Eligibility criteria depend on the insurer, so check specific age restrictions and requirements before buying.

 

What is the difference between a super top-up health insurance and a regular health insurance plan?

Super top-up plans kick in after a predefined threshold, providing additional coverage. Regular health insurance plans cover expenses up to the sum insured without considering deductible limits.

 

Why is a super top-up health insurance plan cheaper?

Super top-up plans are cost-effective as they activate only after the deductible is met. This structure makes premiums more affordable compared to comprehensive health insurance.

 

Can I choose the sum insured by the Super Top-up plan?

Yes, you can select the sum insured based on your preferences and requirements. Evaluate your healthcare needs to determine an appropriate sum insured for your super top-up plan.

 

Can I buy a super top-up without a base policy?

Generally, super top-up plans require an existing base health insurance policy. Combining both provides comprehensive coverage. Verify with the insurer for specific requirements.

 

How do I claim super top-up?

To claim super top-up benefits, submit relevant documents, such as medical bills and discharge summaries, to your insurer. Adhere to the claim process outlined in your policy.

 

Which is the best super top-up health insurance for senior citizens?

Look for the super top-up plans catering to senior citizens, considering factors like coverage, premium, and exclusions. Compare offerings from reputable insurers to find the most suitable option.

 

 

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