What is super top-up health insurance policy?

What is Super Top-up Health Insurance Plan? 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.

How does super top-up policy 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 are super top-up plans?

A super top-up plan covers the total hospital bills up to the limit specified in the plan above the deductible amount. It covers cumulative expenses, unlike a regular top-up plan that covers single claims over and above the deductibles.

What is a super top-up threshold?

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).

Can super top up policy be ported?

Portability helps an individual to switch his health cover from one insurance company to another without losing the accumulated benefits such as no claim bonus, coverage for pre-existing diseases etc. Therefore, porting from a health insurance plan to a super top-up plan is not possible.

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

Super top-up plans are similar to top-up plans, except that top-up plan covers a single claim above the threshold limit, while the super top-up plan covers the total of all hospitalization bills above the threshold limit.

What is the difference between top-up health insurance plans?

Top-up health plans work only for one claim during the policy term. Super top-up health plans allow multiple claims during the policy term. These plans lapse once the cover for 1st claim is provided. These plans lapse when the entire cover is exhausted. The plan comes with a lower amount of premium.

What are the benefits of Super top health insurance plans?

Additional benefit over the base plan – A Super Top plan serves as an additional insurance cover, as evident from the name. It supplements your health plan by covering medical expenses over the deductible. Lower premium – One can get a top-up health insurance policy at lower premiums, with the premium amount depending on the deductible.

How does a super top-up plan work?

Unlike a top-up plan where the deductible limit applies afresh to each claim, in the case of super top-up plans, the deductible limit applies to the total medical expense admissible under the super top insurance policy, incurred during the year. This simply means that top-up plans work on per claim basis.

How to claim Super top-up health insurance multiple times in a year?

One can claim multiple times in a year by paying the deductible amount only once. You can choose your deductible and sum insured amount as per our needs and requirements. A policyholder can avail of tax benefits for the premiums paid for a super top-up health plan under Section 80D of the Income Tax Act, 1961.