“A top-up health policy is an additional coverage for people who have an existing individual plan or a mediclaim from the employer. It is for reimbursement of expenditure which arises out of single illness beyond the limit of the existing cover,” says Deepak Yohannan, CEO, MyInsuranceClub.com. WHEN IT MAKES SENSE.
Moreover, how does top up insurance work?
A top up plan increases the insurance coverage over and above your existing base policy at a comparatively lower cost as compared to increasing the sum assured in the base policy. The top-up plan will come to your rescue in case your medical insurance claim crosses a threshold limit (also known as a deductible).
Hereof, how do I claim super top up on health insurance?
How to file a Claim for Super Top–up Health Plan?
- Reimbursement Claims – In case of hospitalization you need to inform the insurer about it as soon as possible. You can also register your claim over email. …
- Cashless Claims – For cashless treatments you need take admission in a network hospital.
What is difference between top up and super top up?
The major difference lies in the fact that a Super Top-up Plan offers coverage for complete hospitalization bills above the threshold limit, whereas a top-up policy only covers a single hospitalization claim above the threshold limit (i.e. the Deductible amount).