Super Top-Up Health Insurance
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The Super Top-Up Health Insurance plan is designed to provide additional coverage beyond your primary health insurance policy. It only becomes active when your medical expenses exceed a specified deductible amount that you need to pay first.
Before we proceed further with understanding the working of Super Top-Up Health Insurance, it is advisable to familiarize yourself with the concept of "Deductible” & Sum Insured.
Deductible: This is the minimum amount you need to pay out-of-pocket before the Super Top-Up plan kicks in. Know more about
Sum Insured: This is the maximum amount for which you can get insured under the Super Top-Up in case of medical emergency.
Here's how it works:
Suppose you have a Super Top-up plan with a sum insured of Rs 12 lakh and a deductible limit of Rs 1 lakh, the Top-up health policy will provide coverage for medical expenses exceeding Rs 1 lakh. Now imagine, if you file a claim of Rs 10 lakh, Rs 1 lakh will need to be paid by yourself, while the remaining Rs 9 lakh will be covered by your Top-up plan.
Here is an illustration table to help you understand better:
Super Top-Up Plan |
|
Sum Insured |
Rs 12 Lac |
Deductible |
Rs 1 Lac |
Claim Amount |
Rs 10 Lac |
You Pay |
Rs 1 Lac |
Insurer Pays |
Rs 9 Lac |
Hospitalization charges like hospital room rent, consultation fees, surgical expenses, registration expenses, etc., are covered under the super-top health insurance.
IFFCO Tokio’s Super Top-up plan provide coverage for 380 Day Care Procedures.
Ensure complete peace of mind by availing coverage for both pre and post hospitalization medical expenses through our super top-up insurance policy.
Alternative treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy are covered in this plan.
Ambulance charges of up to Rs 3,000 are covered in case of any medical emergency.
Daily allowance amount up to a maximum of Rs. 5,000 per day can availed.
Procedures which involve enhancement of one’s appearance will not be covered under the super top-up health insurance.
Dental care like preventive treatment, clean-ups, implants, are not covered.
Pregnancy or childbirth are not medical conditions and hence such conditions are not covered under the super top-up health insurance plan.
Injuries caused due to self-harm or suicide attempt will not be covered.
Medical emergency arising due to injuries suffered in war, nuclear explosion, adventure sport etc. are not covered under the policy.
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If you are senior citizen with limited coverage or have a basic health insurance cover but want additional security at an affordable premium, then super top-up plans can be useful as you get enhanced sum insured at a lower premium.
Sometimes, employer-provided health insurance policies have inadequate sum insured amounts. In such cases, you can consider a super top-up or top-up plan to enhance your overall health coverage and maximise your health insurance benefits.
Individuals with large families should opt for super top-up health insurance plans due to their affordable premiums. Furthermore, Super Top-Up Plans provide an extra enhancement to your existing coverage.
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