What is Super Top-up Health Insurance?

Medical expenses are nowadays rising alarmingly. Sometimes, a base health insurance policy may not be enough to cover hospital bills. Here is when Top-Up and Super Top-up health insurance come into the show. It not only offers additional cover to the individual but also provides financial security once the deductible limit of your basic health policy is exhausted. In India, there are several best health insurance top-upplans available that provide additional coverage on top of an existing base health insurance plan.

Super top-up health insurance

A super top-up health insurance is a type of health insurance policy that offers additional coverage to your standard health coverage. It helps you cover additional medical expenditures. Unlike top-up health insurance, which applies only to a single claim exceeding the deductible, super top-up health insurance covers numerous claims within a policy year.

Suppose an individual has a base health insurance policy of INR 20 lakhs and a super top-up health insurance of INR 25 lakhs with a deductible of INR 20 lakhs, the basic policy covers the first INR 20 lakhs. Any additional expenses beyond this will be covered under the health insurance top-up plan.

You can enhance your health insurance policy with Star Health Super Surplus Top-up Health Insurance Plan which gives a larger coverage at a much lesser premium. The most essential benefit of super top-up health insurance is that it offers higher coverage at an affordable cost.

Why should you choose Star Health Super Insurance:

1. Wide Network: 14000 plus network hospitals to avail cashless claims.
2. Rapid Approval: Offers cashless final approvals within 3 hours.
3. Extensive Network: Has 850+ Branch offices across India.

Below listed are the advantages of Super Top-up Health Insurance:

A super top-up health insurance policy is beneficial for people of all ages and best for people who want full coverage for multiple medical expenses throughout the year. Opting for the best super top-up Medical insurance plan completely depends on manifold elements, like premium costs, coverage, waiting period, claim process, additional benefits, and network hospitals.

Benefits of Super Top-up Health Insurance

1. Supports to Enhance Coverage: Its additions to your existing policy and safeguards comprehensive medical coverage for the individual.
2. Budget-Friendly Premiums: Compared to increasing the sum insured in a standard policy, health insurance top-up plans are more affordable.
3. Flexibility: You can purchase a health insurance top-up plan separately, even from a different insurer.
4. Fight Medical Inflation: Super top-up plans are a great way to fight the surging medical inflation and stay prepared for enormous hospitalisation bills.
5. Cumulative Claims Coverage: Unlike regular health insurance, super top-up health insurance covers dozens of hospitalisations within the same policy year after crossing the deductible.
6. Ideal for Senior Citizens: Over the last few years, it has been proven that health insurance is extremely advantageous for senior citizens.

While considering which is the best super top-up health insurance, it is essential to evaluate factors like affordability, claim process, and additional benefits. This insurance provides numerous advantages to the individual, but there are also certain disadvantages of super top-up health insurance to study:

1. Fixed Deductible: The policyholder must pay the deductible amount before the health insurance top-up starts covering expenses.
2. No Coverage Below Deductible Limit: If your medical expenditures do not cross the deductible limit, the top-up health insurance will not be valid.
3. Limited Coverage Choices: Some health insurance top-up plans may have limitations on specific critical illnesses.

Top-up in Health Insurance

Many policyholders often wonder, what is top-up for health insurance?  A top-up health insurance plan provides additional coverage only for a single claim exceeding the deductible amount. Before choosing the best top-up health insurance plan, it is important to check the waiting period. Top-up insurance plans do come with waiting periods during which no claims can be raised. It is best for people who want to enhance their existing health insurance plans with additional coverage for high medical expenses.

The advantages of top-up health insurance are:

• Affordable: Top-up plans are profitable. They offer additional coverage at a lower premium, making them a cost-effective choice for enhancing medical insurance coverage.
• Comprehensive Coverage: Top-up plans act as a financial safeguard by offering additional coverage beyond the basic health insurance policy. They cover expenses exceeding the primary policy coverage limit, ensuring the policyholder does not face financial strain during a medical emergency.
• Personalisable: Top-up plans can be specially designed according to the policyholder’s needs and lifestyle.
• Tax Benefits: Just like regular health insurance programs, premiums paid for top-up medical insurance plans are eligible for tax rebates.
• Peace of Mind – Even if your current health policy gets exhausted while filing a claim, you can still have peace of mind as your health insurance top-up plan will cover your remaining bills.

Things Covered in Top-up Health Insurance Plan

• Pre-hospitalisation expenses
• Post-hospitalisation Expenditure
• Day care procedures
• Organ donor costs
• Emergency ambulance bill
• Domiciliary treatment charge

Methods to Choose a Top-Up Health Insurance Plan

• Go for higher deductibles.
• Avoid opting for expensive plans for exclusions.
• Do check the waiting period for pre-existing health conditions.
• Do check if the plan also provides coverage to your family members.

Ways to Apply for Top-Up Health Insurance Plans

• Visit the insurance company’s website.
• Choose the Plan (According to your needs and budget).
• Provide required Details: Fill all the details.
• Submit the Documents: Provide all the documents required (especially identity proof, address proof, health records, etc).
• Pay up: Now make the payment.
• Receive the Policy: After the payment and successfully uploading the document, you will receive the policy document at your registered mobile number and email ID.

Conclusion

A super top-up health insurance plan is an admirable method to enhance individual medical coverage without a substantial rise in premiums. Whether you are in search of the best super top-up health insurance plans in India, a top-up health insurance plan for senior citizens or an individual top-plans, comparing different plans can support you to make a good decision.