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.

How to File a Super Top Up Health Insurance Claim?

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.

What is Not Covered in Health Insurance Plans for Family?

Here is the list of few exclusions of a family floater health insurance plan

• Any claim raised within the 30 days waiting period of the health insurance policy. issuance wouldn’t be covered unless and until it arises due to the accident.
• Any sexually transmitted diseases.
• Any treatment related to fertility issues.
• Any treatment and expenses incurred due to routine medical check-ups.
• Any treatment/surgery done for gender reassignments or for gender change.
• Artificial life maintenance, including life support machine use, where recovery or restoration of the previous state of health is not possible.
• Any treatment undergone due to surgery or a plastic surgery, aesthetic treatment, or any further consequences due to such treatments. – Treatment of stress, mental illness or any psychological disorders, or due to the abuse of stimulants or depressants.
• Any OPD Treatment.
• Any treatment undertaken abroad.
• Any Illness or Injury directly or indirectly causing or arising because of breach of any law by the insured who has a criminal intent, war, nuclear, chemical or biological attack or weapons, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds.
• Illness or Injury caused due to consumption or abuse of tobacco, intoxicating drugs and alcohol or hallucinogens.
• Any act of self-inflicted injury, suicide or attempted suicide while sane or insane.
• Any treatment related to pregnancy (including voluntary Termination), childbirth, maternity (Including caesarian section), miscarriage (unless due to an Accident), abortion or complications of any of these. However, this Exclusion will not apply to ectopic pregnancy.
• That’s the list of few common exclusions of a family health insurance plan. However, one must refer and read policy wordings for the full list of exclusions.