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All About Super Top Up Health Insurance in India

What is Super Top Up Health Insurance?

Health insurance is taken by an individual to protect themselves or family in times of health problems. Due to the increase in expenses, medical expenses also have increased tremendously. So a normal plan is not sufficient in such situations. So Super Top Up Health Insurance comes as a savior.

Health Insurance secures family from medical expenses up to a certain sum assured as described while purchasing the policy. A basic health insurance policy will do so. Suppose a person had a major health disease and he had to have surgery which sucked his entire sum assured. Now his balance sum assured is nil. Suppose again after some duration, he got some other problem, which worsened his situation and now since all of the sum assured was already used, he won’t be able to pay for his medical conditions using the health policy he has. Thus he will have to bear all the expenses for his second surgery along with the medical bills. If he has the required amount, then it’s good for him, but what if he doesn’t have the money?

In order to tackle such a worsened situation, Super Top Up plan was introduced.  This plan can be taken on top of the basic plan to enhance the sum assured of the base plan. In case the person doesn’t have any money for his second surgery which costs 3 lakh extra but had he taken the Super top-up plan. He could cover the expenses of his second surgery as well.

A deductible is an amount over which the super top-up policy will arrive. Suppose if the total expense goes to 10 lakhs and your deductible amount is 2 lakhs. So the top-up plan will be in force only after you pay 2 lakhs, either through the sum assured amount from basic policy or through your own savings, or any other means. The Super Top Up Health Insurance plan will take care of the amount greater than the threshold i.e.: 2 lakhs in this case. But ensure that the deductible amount is less than or equal to sum assured. In a plan of 5 lakh coverage, a deductible amount of 10 lakhs cannot be taken.

Benefit of a Super Top Up Health Insurance Plan

There are various benefits of Super Top Up Health Insurance Plan. Few of which are listed below:

1) Extra Benefit on top of the base plan:
Super Top Up plan provides additional benefit on top of the base plan. It can also help us cover the medical expenses along with the deductibles.

2) Less premium:
Top-up plan can be taken at a lesser premium with premium indirectly depending upon the deductibles. If deductible is more, then the policyholder will have to bear lesser premium, also if deductible is less then premium would increase.

3) Various Claims:
Variety of claims can be made under the super top-up plan until the sum assured defined during purchase of policy tired out.

Who Should Buy Super Top Up Health Insurance?

No one can predict what will happen to us the very next moment. So it would be beneficial for all individuals to opt for Health Insurance along with the Super Top Up Health Insurance. For critical illnesses, the basic health insurance plan in never sufficient, so if policyholder purchases a Super Top Up Health Insurance, it could give financial relief to the patient fully or at least to some extent, which will be obviously more than a basic health insurance plan.

Handy Guide to Buying Super Top Up Health Insurance Online

Due to inflation and increasing cost of day to day lifestyle, the medicinal cost has also increased tremendously over the past few years. Nowadays, even a healthy person who eats right doesn’t smoke or a very fit person is bound to contact disease.

1) Never wait for the disease to come:
There are two types of expenses involved in health insurance hospitalization coverage and medical expenses. If your basic plan covers hospitalization cost, then using the top-up plan to cover your medical expenses.

2) Deductible amount should be less than or equal to sum assured:
Make sure that the deductible amount does not exceed the sum assured amount. For e.g.: If a health insurance plan is of 3 lakhs, then one cannot take a deductible plan of 5 lakhs.

3) Preferred number of Super of Top-Up Insurance Plan:
If one already has a Super Top Up Insurance Plan and plans to purchase one more, then they are allowed to do so. But it is always preferable to purchase a single plan with higher sum assured along with a Top Up rather than purchasing two individual plans.

4) Only One insurer:
It’s always preferred to stick to one insurance company. If an individual purchases a policy from an employer, then in most of the cases pre-existing diseases are waived off. The number of period the individual is covered will be reduced from the waiting period. But this waiting period continuity is not applicable if both base and top-up plans are brought together.

5) Claim IT-Return:
The premiums paid under Super Top Up Insurance plan has the advantage of income tax deduction under section 80D.

How a Super Top Up Health Insurance Plan Works?

Super Top Up Health Insurance plans works on the basis of the cost-sharing method in which policyholder promises to bear medical expenses up to a deductible limit. The insurance company comes into picture and bears medicinal cost provided the expenses cross the deductible limit.

How to File a Super Top Up Health Insurance Claim?

A basic policy is unable to fulfill all the medical requirements. So a Super Top Up Health Insurance plan is important which will pay the amount which crossed the threshold limit of deductibles.

Following steps must be followed in order to file a Super Top Up Health Insurance Claims:

• Inform the insurance company in case of hospitalization, emergency.

• Complete the claim form. Fill all the necessary details

• The claim form has to be submitted along with the original bills (hospital, medicinal bills and consultation bills, etc.) Take copies of the bills, for your reference. This would ensure that you also have the proof and you can even submit it to other Insurance companies, in case of two claims.

• You will receive a summary of claim settlement after the first company reimburses the claim

• Make sure all the copies of the bills are attested

• For another insurance company claim, fill in the claim form again

• Send them a letter regarding the claim which is already made along with claim form, copies of attested hospital bills also attach a summary of claim settlement

• This is usually a process of 3 to 4 weeks.

Tips to Increase Sum Insured of Your Health Insurance Plan

One can even increase the sum assured of your Health Insurance Plan.

1) The increasing sum assured could be done during the time of renewal. So if you are planning for increasing the sum assured, make sure you make this decision before renewal time.

2) One must ensure that there is no claim history and also medical tests required in order to increase the sum assured

3) The waiting period will be for the increased portion of the sum assured. So be mindful and prepare well during the renewal time.

Documents Required to Buy a Super Top Up Health Insurance Plan

In case you are planning to purchase a Super Top Up Health Insurance Plan from the same Insurance company, then no specific documents are required. But if Super Top Up Health Insurance Plan is taken from some other insurance company, then few documents need to be submitted for process of verification. The documents are as listed below:

  • Age Proof: Passport, Voter ID card, Driving License, Birth Certificate, 10th /12th mark sheet.
  • Identity Proof: Passport, Voter ID Card, Driving License, PAN, Aadhaar Card
  • Address Proof: Passport, Utility bills like Driving License, Electricity Bill, Telephone Bill, Ration Card
  • Medical check-up, if required by the insurance company. It’s mostly essential for people aged more than 45 years of age, as a part of critical illness.
  • Photograph (Passport size)

List of Best Super Top Up Health Insurance Plans in India

There are various Super Top Up Health Insurance Plans in India. Amongst these the best Plans are:

1) HDFC Health Suraksha Top-Up Plus:
In this top-up plan, the deductible part starts with 1 lakh and the sum assured ranges between 2 to 10 lakhs. This can be taken for yourself as well as your family.

2) Star Health Super Surplus:
In this plan, the deductible amount starts with 3 lakhs, whereas the sum assured of the cover ranges between 7 to 10 lakhs.

3) Apollo Munich Optima Plus:
It offers dual benefits of Super Top Up plan plus zero deduction of health insurance plan after retirement.

4) Religare Enhance:
This offers a cover between 1 to 30 lakh, which is good for family needs. There are no sub-limits on this plan.

5) Liberty Insurance Health Connect Supra:
Here the sum assured ranges between 3 to 100 lakhs having a deductible ranging from 2 to 40 lakh with multiple of 1 lakh. It offers a sum assured of 100 lakhs with 10 lakhs deductible is obtained with a premium of just 1500 annually. So this plan is very cheap.

6) Max Bupa Health Recharge Optima Super:
Here the sum assured includes 5, 7.5,10, 15,25 lakhs having deductible amount between 1 to 10 lakh in multiple of 1 lakh. We can get 25 lakhs sum assured with 5 lakh deductible just by paying premium amount of 2300 INR annually.

7) ICICI Lombard Health Booster:
It offers sum assured which includes 5,6,7,10,15,20,25,50 lakhs having deductible options of 3/4/5 lakh. Here the premium is very high. There are three options available i.e.: A, B and C in which C has lower premium but C does not cover critical illness coverage of 10 lakhs.

8) Oriental Insurance Super Health Top Up:
In this plan, the sum assured ranges between 3 to 30 lakh offering deductibles in the range of 3 to 20 lakh.

Super Top Up Health Insurance FAQs

Most frequent questions and answers about super top up health insurance FAQs

1. How to choose the sum insured for Super Top Up Health insurance?

While choosing the sum assured to keep in mind that more the sum assured, it is better.  So in higher terms, one select can between 5, 10 and 15 lakhs. However, it is always preferable to choose 15 lakhs sum assured. Due to increase in inflation, the medicinal cost and hospitalization cost has also increased tremendously. So, more the sum assured, it is always better. It can also help an individual to maximize coverage over and above the base policy.

2. How to find the best Super Top Up Health insurance?

There are various options for comparing Super Top Up Health Insurance plans online. However below is list of few best insurance plans:

1) HDFC Health Suraksha Top-Up Plus:
Here the deductible part starts with 1 lakh and the sum assured ranges between 2 to 10 lakhs which can be taken for yourself as well as your family.

2) Star Health Super Surplus:
Here the deductible amount starts with 3 lakhs and the sum assured cover ranges between 7 to 10 lakhs.

3) Apollo Munich Optima Plus:
This plan offers dual benefits of Super Top Up plan along with zero deduction of health insurance plan after retirement.

4) Religare Enhance:
It offers a cover between 1 to 30 lakhs and there are no sub-limits on this plan.

5) Liberty Insurance Health Connect Supra:
In this, the sum assured ranges between 3 to 100 lakhs with deductible ranging from 2 to 40 lakhs with 1 lakh multiple. A sum assured of 100 lakhs with 10 lakhs deductible is obtained with a nominal premium of 1500 per annum.

6) Max Bupa Health Recharge Optima Super:
In this plan, the sum assured is 5, 7.5,10, 15, 25 lakhs with deductible amount of 1 to 10 lakhs in multiple of 1 lakh. 25 lakhs sum assured with 5 lakhs deductible is obtained by paying premium amount of 2300 INR per annum.

7) ICICI Lombard Health Booster:
Sum assured is 5,6,7,10,15,20,25,50 lakhs with deductible options of 3/4/5 lakhs. There are three options A, B and C in which C has a lower premium but it does not cover critical illness coverage of 10 lakhs.

8) Oriental Insurance Super Health Top Up:
Here, the sum assured ranges between 3 to 30 lakhs with deductibles in the range of 3 to 20 lakhs.

3. Who has the cheapest Super Top Up Health insurance?

The cheapest Super Top Up Health Insurance plan is one from Liberty Insurance Health Connect Supra. In this policy, the sum assured varies between 3 to 100 lakhs and it has a deductible which ranges between 2 to 40 lakhs with multiple of 1 lakh. A sum assured of 100 lakhs with 10 lakhs deductible is obtained with a nominal premium of 1500 per annum.

While purchasing a policy one must look into all the components like pre-hospitalization, medicinal cost. There are few of them which include conditions for co-pay and co-deductible.

4. What are Deductibles in Super Top Up Health? How does it work?

A deductible is a threshold limit above which Super Top Up policy comes into force. If you have coverage of 10 lakhs with 2 lakhs deductibles, super top-up policy will come into force only if medical expenses exceed 2 lakhs, which is the deductible amount.

5. What should I keep in mind before buying a Super Top-up Plan?

Below are the key points which must be considered before purchasing the Super Top Up Health Insurance plan:

1) Purchase Super Top Up policy from the same insurer policy where you have purchased the base policy. This can smoothen the claim process.

2) There is also a room rent sub-limits option. The cost of treatment is fine for smaller cities and towns but for big cities, the cost of treatment for room rent limit is huge.

3) Check for pre-existing disease coverage. In a few companies, the duration is very high.

4) No conditions should be included for co-pay and co-deductible.

6. What is Health Booster? How does it help in increasing Health Plan coverage?

Health Booster secures us from increasing medicinal cost and unwelcomed health issues. This plan extends the coverage for diseases, illnesses and expenses which is not covered by the base plan or the top-ups. It has a deductible threshold.

7. Can I buy more than one Super Top Up Health Insurance Plan?

Yes, one can buy more than one Super Top Up Health Insurance Plan. However, it is always preferable to take it from a single company by increasing the coverage of sum assured and deductibles, in order to maintain a hassle-free claim process.

8. Can I buy a super top-up plan without having any base medical policy?

One can purchase a Super Top Up Health Insurance plan even if they are not having any regular health insurance plan.  You will have to bear expenses until the deductible amount.