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Contents
  1. Super Top-Up Health Insurance
  2. Increase your Health Cover at Affordable Premiums
  3. What is a Super Top-Up Health Insurance Policy?
  4. What does Deductible in a Super Top-Up Health Insurance mean?
  5. Who can be covered under a Super Top-Up Health Insurance Policy?
  6. What are the benefits of a Super Top-Up Health Insurance Policy?
  7. What is the entry age for a Super Top-Up Health Insurance Policy?
  8. What are the exclusions under a Super Top-Up Health Insurance Policy?
  9. Get a FREE Quote for Super Top-Up Health Insurance Policy in 15 mins!
  10. FAQS
  11. Testimonials

Super Top-Up Health Insurance

Increase your Health Cover at Affordable Premiums

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

What is a Super Top-Up Health Insurance Policy?

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.

What does Deductible in a Super Top-Up Health Insurance mean?

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.

Who can be covered under a Super Top-Up Health Insurance Policy?

Super Top-Up Health Insurance can be purchased for Self, Spouse, Dependent Children and Dependent Parents.

What are the benefits of a Super Top-Up Health Insurance Policy?

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:

  • No Room Rent Capping
  • No Co-Payment
  • Covers Hospitalisation Expenses
  • Coverage of Pre-Existing Diseases post the Waiting Period
  • Covers Pre and Post-Hospitalisation Expenses
  • Cashless Claims Settlement
  • Covers Maternity Expenses
  • Covers Day Care Procedures
  • Lifetime Renewal
What are the benefits of a Super Top-Up Health Insurance Policy?
What is the entry age for a Super Top-Up Health Insurance Policy?

What is the entry age for a Super Top-Up Health Insurance Policy?

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.

What are the exclusions under a Super Top-Up Health Insurance Policy?

The Common Exclusions under a Super Top-Up Health Insurance Policy are as follows:

Exclusions under a Super Top-Up Health Insurance Policy
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
Expenses for Cosmetic Treatments or Plastic Surgeries are normally excluded under a Super Top-Up Health Insurance
Free Health Checkup

Free Health Checkup

Pre and Post Hospitalisation Expenses cover of 60/90 days

Pre and Post Hospitalisation Expenses cover of 60/90 days

Worldwide Cover

Worldwide Cover

200+ Day Care Procedures Covered

200+ Day Care Procedures Covered

24/7 Claims Settlement Assistance

24/7 Claims Settlement Assistance

Cashless Claim Settlement

Cashless Claim Settlement

No Room Rent Capping

No Room Rent Capping

No Room Rent Capping

No Room Rent Capping

Low Waiting Period

Low Waiting Period

Get a Quote in 15 minutes

Get a Quote in 15 minutes

Get a FREE Quote for Super Top-Up Health Insurance Policy in 15 mins!

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  ๐Ÿ“ž 022-35134695" style="box-sizing: border-box; background: transparent; color: rgb(247, 148, 30); text-decoration-line: none; font-family: Roboto; line-height: normal; font-size: 14px; margin: 0px; padding: 0px; border: 0px; outline: none; resize: none; letter-spacing: 1px;"> ๐Ÿ“ž 022-35134695 or fill this Contact Form. We promise to give you a quote in 15 minutes.

Get a FREE Quote for Super Top-Up Health Insurance Policy in 15 mins!

FAQS

How does a Super Top Up Health Insurance Policy work?

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.

Is a Super Top Up Health Insurance Plan cheaper than a Regular Health Insurance Policy?
Yes, a Super Top Up Health Insurance Policy is cheaper than a Regular Health Insurance Policy because in a Super Top Up Health Insurance, a certain portion of the Hospitalisation Expenses are borne by the Insured.
What is the period of a Super Top-Up Health Insurance Policy?

Super Top-Up Health Insurance Policies are normally Annual Policies.

What is the renewal age under a Super Top-Up Health Insurance Policy?

Most Insurance Companies allow Lifetime Renewal for Super Top-Up Health Insurance Plans. However, the Policy expires if the premium is not paid on time.

Is premium payment of Super Top-Up Health Insurance eligible for Tax Deduction?

Yes, Premium paid for a Super Top-Up Health Insurance is eligible for Tax Deduction Benefits under Section 80D of the Income Tax Act.

Testimonials

Average Customer Rating:

0 / 5 Star (0 reviews)

Hemik of Qian is knowledgable, prompt and very professional - highly recommended. I had to claim for a critical illness under my health insurance policy and Qianโ€™s assistance with the claims process and advice on how to deal with the insurer was invaluable.

Niyati Shah