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SUPER TOP-UP HEALTH INSURANCE WE CARE - we have strived to see the world through our clients' eyes. We are simply there for you - through good times and bad.
You are aware of how important a Comprehensive Health Insurance Cover is for a family. You have tried to purchase a Health Insurance Policy for yourself and your family members, but the premiums are very expensive and unaffordable.
However, Expensive Premiums are no reason to not purchase a Health Insurance Policy.
Super Top-Up Health Insurance Policy could be the solution that you have been looking for.
Super Top-Up Health Insurance is an Insurance Policy which reimburses you for your Hospitalisation Expenses above your chosen Deductible Limits. You can choose a Super Top-Up Health Insurance either as an Individual Health Insurance or as a Family Floater Health Insurance.
It allows you to increase your Sum Insured at a very Reasonable Premium.
A Deductible in a Super Top-Up Health Insurance Policy means the Limit above which the Super Top-Up Health Insurance Policy will reimburse the Insured Person.
For Example: Mr Gupta has a Super Top-Up Health Insurance Policy with a Sum Insured of Rs5 lakh and a Deductible of Rs2 lakhs. Unfortunately, Mr Gupta has to be hospitalised due to an accident which required a surgery costing Rs6 lakhs. The Super Top-Up Plan will reimburse Mr Gupta for Rs4 lakhs.
Super Top-Up Health Insurance can be purchased for Self, Spouse, Dependent Children and Dependent Parents.
The Major Benefit of a Super Top-Up Health Insurance is that it allows you to increase your Sum Insured at a very Reasonable Premium.
Other Common Features of a Super Top-Up Health Insurance Plan are as follows:
The minimum age for a Proposer, Spouse and Dependent Parents to purchase a Super Top-Up Health Insurance is 18 years while the maximum age allowed by most Insurance Companies for their entry is around 80 years.
Dependent Children can be enrolled as early as 3 months and upto a maximum age of 25 years.
The entry ages might differ as per the Terms and Conditions of the Policy.
The Common Exclusions under a Super Top-Up Health Insurance Policy are as follows:
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Pre-Existing Diseases are not covered before the end of the Waiting Period |
Hospitalisation Expenses upto the Deductible Limit will not be payable under a Super Top-Up Health Insurance Policy |
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Expenses for Cosmetic Treatments or Plastic Surgeries are normally excluded under a Super Top-Up Health Insurance |
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Considering buying a Super Top-Up Health Insurance Policy for your family? Require assistance of Specialist Insurance Broker for your Super Top-Up Health Insurance?
Qian is an Experienced Insurance Broker empanelled with the top Insurance Companies in India. We can assist you in selecting the best Super Top-Up Health Insurance Plans for yourself and your family. Call now at support@qian.co.in or 022-22044989 or fill this Contact Form. We promise to give you a quote in 15 minutes.
The Insured has to bear a certain portion of expenses (Deductible Amount) in a Super Top Up Health Insurance.
For eg: The Insured has purchased a Supe Top Up Health Insurance for an amount of Rs5 lakhs with a deductible of Rs2 lakhs. In event of a Claim, the Super Top Up Health Insurance Policy will pay the claim amount above Rs2 lakhs. The Initial 2 lakhs of expenses have to be paid by the Insured from his pocket itself.