With the drastic shift in lifestyle and the rising medical costs, having a good health insurance plan is necessary to protect oneself financially during medical emergencies. But, even the most exhaustive insurance policy may only cover some of the high medical expenses.
That’s where super top up medical insurance plans can help policyholders. It fills the gap between current healthcare insurance coverage and actual medical costs. This plan offers extra coverage, making it a smart choice to add to your health plan portfolio.
But what is this plan? How does it work? Read this article to get all these answers.
What is a Super top up Health Plan?
A super top-up health plan is a type of health plan policy. It provides extra coverage on top of existing healthcare insurance plans. This plan can help you when the regular health plan coverage is exhausted.
It gives additional financial protection against medical expenses that are beyond the coverage limit of a regular healthcare insurance plan.
How Does a Super Top Up Health Plan Work?
When one incurs medical expenses, their regular healthcare insurance will cover up to the limit as per the agreement. But, if the medical costs exceed that limit, the super top up medical insurance comes into play.
Suppose the regular health plan has a coverage limit of ₹10,000, and one incurs medical expenses of ₹15,000. The regular health plan will cover the first ₹10,000 in this scenario. However, the remaining ₹5,000 will not be covered.
Now, if one has a super top-up plan with a coverage limit of ₹50,000, it will kick in to cover the remaining ₹5,000.
What are the Benefits of a Super top up Health Plan?
A super top-up medical insurance offers several benefits. Some of them are:
1. Extended Coverage
With a super top up plan, one can extend the coverage beyond the limit of their regular health plan. It ensures they have extra coverage when their standard policy’s coverage limit is exhausted.
2. No Claim Bonus
Some super top up plans come with a no-claim bonus feature. One may be eligible for a bonus if they do not file any claims throughout the policy year. The bonus increases the coverage limit without increasing the premium.
3. Family Coverage
Super top up plans often provide the option to cover one’s entire family under a single policy and ensure that their loved ones also enjoy the extended coverage.
What are the Inclusions and Exclusions Under a Super top up Health Plan?
Under a super top up medical insurance, certain medical expenses are included in the coverage, while others are not. They are as follows:
| Inclusions | Exclusions |
| Hospitalisation expenses (in-patient care) | Pre-existing diseases (usually for a waiting period) |
| Surgeries and related medical procedures | Cosmetic surgeries or treatments |
| Diagnostic tests and laboratory investigations | Non-allopathic treatments and alternative therapies |
| Doctor’s consultation fees and medical practitioner’s fees | Treatment of self-inflicted injuries |
| Room rent and boarding charges during hospitalisation | Maternity expenses and childbirth-related costs |
| Intensive Care Unit (ICU) charges | Non-medical expenses, such as administrative fees |
| Ambulance charges for emergency transportation | HIV/AIDS-related treatments |
| Pre and post-hospitalisation expenses | Injuries due to war, terrorism, or illegal activities |
| Daycare treatments and procedures | Substance abuse and related treatments |
| Organ donor expenses (in case of transplant) | Congenital diseases and birth defects |
Who Should Consider Buying a Super top up Health Plan?
A super top-up health plan is suitable for the following individuals:
1. Individuals with Basic Health Insurance
If one already has a basic healthcare insurance plan, a super top-up plan can provide extra coverage beyond the limit of their existing policy.
2. Individuals With High Deductible Plans
If one has opted for a high-deductible healthcare insurance plan, then they will have to pay a significant part of medical expenses before their coverage begins. In that case, a super top-up plan can be beneficial.
3. Individuals With a Family
A super top-up plan can provide complete coverage for all family members under a single policy.
Conclusion
Getting a super top up health plan is a smart move to protect one’s health. Moreover, it can enhance financial security by better preparing oneself to handle high medical expenses in emergencies.
So, getting a top up health plan is the right thing to do. Thus, if you are looking for a super top up health plan, then consider Niva Bupa the best health insurance company in India. They offer different plans at affordable prices and are known for their excellent customer service and quick claim settlements.
