Super Top Up Policy offers financial relaxation in the event when your hospitalisation claim bill crosses your sum insured under your base Mediclaim policy. Thus it comes into action when you have exhausted the chosen limit or base policy.
In simple words we can say Super top-up policy means maximum coverage at affordable rates.
Difference between Mediclaim & Supertop Policy?
A Mediclaim policy pays the claim from maximum Sum Insured under your base policy. Whereas Super top-up policy cover hospitalization expenses beyond the chosen Deductible limit or once base policy sum insured exhausted.
The deductible limit is chosen by you. In other word it is a Mediclaim policy which triggers after a certain pre-decided limit of expense has crossed.Therefore,mediclaim and super top up policy can work along with one another.
Why should i take Super-Topup Policy when i already have mediclaim policy?
As i mentioned earlier also it increases your sum insured at very reasonable premium.
Super top up policy is advisable where you can top up your mediclaim sum insured by 95Lacs at very nominal premium.
For major surgeries like Replacement of Organ like Kidney Transplant, heart transplant where the claim cost crosses Rs. 30 to 40lacs this Super top Up policy can only cover such expenses.
What is a base policy we are referring to?
Base policy is your Mediclaim policy. It can be your Individual Mediclaim policy or a Family Floater Mediclaim policy. It can also be your group Mediclaim policy offered by your employer. The sum insured under your base policy is base policy sum insured.
How to select sum insured under super top up policy?
Higher the better.i.e. You can select sum insured from Rs. 10 Lacs to 95lacs . However it is better if you select Rs. 95 lakhs as sum insured to maximize your Coverage over and above your Base Policy.
Am I eligible for Tax Benefit under Super Top UP Policy?
No. There is no co-payment applicable to Super Top Up Policy.
As above we discussed majorly all the features or benefits of Super top up policy.Mostly every health insurance company is having super top up policy in their kitty.Where max bupa super top up or health recharge is offering the best because their premium is very much competitive if we compare with other companies.MaxBupa health recharge also offering unlimited online or tele consulations also called as e-consultation.
And Max bupa super top up policy or also called as health recharge also covers mental discorder treatment.