In the past, dealing with medical issues was a massive challenge for many people. This is because the costs associated with medical treatments was something that not everybody could afford. Today, health insurance policies have changed everything. With health insurance policies, dealing with medical emergencies became extremely easy. You won’t have to stress over the bills racking up, and you can focus on getting better.

To help their customers, insurers like Tata AIG offer health insurance policies online. You can compare the different policies available with an online purchase and opt for the most suitable one with an online purchase. Some insurers also provide cashless health insurance plans to assist customers. 

However, with the rise in medical advancements these days, the cost of getting the proper medical treatment has risen. Therefore, you may be in a position where your existing personal health insurance policy’s coverage is insufficient to deal with the bills. For these situations, you can rely on the super top-up health insurance plan.

What is a Super Top-Up Health Insurance Plan?

Top-up health insurance plans are security plans that provide you with additional health insurance protection for your existing plan. Top-ups help you deal with the medical expenses if you have exhausted your existing health insurance plan’s base coverage. However, a top-up health insurance policy’s coverage will only cover claims when a single claim goes above the deductible limit. If you wish to get coverage for the cumulative bills once the deductibles have been exhausted, you can opt for the super top-up health policy.

A super-top health insurance plan is a type of top-up health plan that provides you with the flexibility to increase the limit when the medical bills rise above the policy’s coverage. With a super top-up health insurance policy, you get to file multiple medical claims for hospitalisations or medical expenses.

How Does Super Top-Up Health Insurance Work?

In super top-up health insurance, you get additional health insurance coverage if your existing health insurance policy’s coverage has been exhausted. 

For instance, let’s say you have purchased a health insurance policy with a sum insured of ₹6 lakhs. If you face a medical emergency, and the total bills go up to ₹7 lakhs, you will have to pay the additional ₹1 lakh out of your pocket. 

However, if you have included the super top-up health insurance coverage with your health plan, you will not have to worry about the medical bills exceeding the sum insured limit. However, you will have to pay a deductible amount to get the coverage from your super-top up plan’s coverage. After paying the deductible, your super top-up coverage will cover all the medical expenses you may deal with during the policy tenure.

Five Optimal Features Offered by the Super Top-Up Health Insurance Plan

Given below are some of the features you can get with the super top-up health insurance plan:

• Single deductible payment: One of the essential features of a super top-up health insurance policy is set based on the health insurance deductible principle. When you include the super top-up feature in your health insurance plan, you will have to pay the deductible only one time. 

After you have paid the deductible payment, you can file the health insurance claim as many times as you want. The insurance plan will provide you coverage only if the hospital expenses are higher than the deductible amount. 

• Ability to adjust top-up plan: With a super top-up plan, you get the option to choose ₹1-₹5 lakh as your deductible and select the sum insured somewhere in the range of ₹10 lakhs to ₹20 lakhs. When you have the flexibility to adjust the deductible and sum insured, you can adjust the plan as per your needs. 

• Flexibility to select global protection: You may find a suitable treatment for a disease in another country. The super top-up feature in health insurance plans allows you to get the treatment you need from a different country. With this feature, you can take care of the medical expenses in some other country, even if you were diagnosed with the disease in India.

• Coverage for Covid-19: A super top-up health insurance policy will provide you coverage for the medical bills and hospitalisation expenses required for treating Covid-19. In addition, the super top-up health insurance coverage includes protection for other critical illnesses as well.

• Additional insurance protection: With the increase in medical costs, relying solely on your employer’s health insurance may not be sufficient. The super top-up policy helps you get the insurance coverage you need for the issues that may not be covered under your employer’s health policy. This way, you get to include the specific coverage you need from the health insurance.

Conclusion

Super top-up health insurance policies allow you to get additional health insurance coverage when the medical bills go higher than your base policy’s coverage. As a result, the super top-up policy’s coverage will help you get the coverage you need. This addition to your health insurance also offers additional features with the coverage. For instance, you can rely on the policy to get the medical attention you need in a different country.