Super Top Up Health Insurance

A top-up health insurance plan is similar to a super top-up health insurance plan. However, as the word "super" suggests, it comes with additional perks that go beyond what a top-up plan may offer. A super top-up health insurance policy reimburses you for medical expenses that exceed the coverage limit of the policy. It only pays for hospitalization costs when the sum insured under your normal health insurance policy has been depleted or you have paid the charges out of pocket up to the deductible. Unlike a top-up plan, which only pays expenses beyond the policy limit once a year, a super-top up plan covers several claims over the policy limit throughout the year.

You may require health insurance that provides a greater sum insured amount than a standard health insurance policy these days. You might choose a super top-up health insurance to expand your health coverage if you believe your current health insurance coverage is insufficient to satisfy your current needs. It assists you in covering additional medical bills if your existing insurance coverage is exhausted. After you've paid your deductible, you'll be able to move on to the next step.

A super top-up mediclaim policy, which is less expensive than paying a larger premium under your current policy, is the most cost-effective option to increase your health insurance coverage with your current health plan. Let's look at some of the important elements of a mediclaim top up plans now that we've figured out how it works:

•  Deductible -It is the amount of a claim for which an insured is liable, and it is computed on an annual basis. The top up health insurance will only give coverage if the total hospital expenses surpass the deductible. It's important to remember that the deductible must be paid just once.
•  Hospitalization Cover - A best super top-up health insurance allows you to save money that would otherwise be spent on increased charges. At the same time, it aids in the relaxation of you and your family in emergency situations. Room rental, nursing costs, ICU fees, and doctor's fees will all be refunded to the insured. Day-care and advanced medical procedures will be covered under this policy.
•  Pre-hospitalization and Post-Hospitalization Coverage -The plan pays for expenses that aren't covered by your hospitalization insurance, such as diagnostic fees, follow-up tests, and pharmaceutical costs. It also covers medical expenses incurred 30 days previous to admission to the hospital and 60 days following discharge.
•  Annual Physical Examination -Annual health check-ups for you and your family are also covered by a super-top-up mediclaim policy offered by some health insurance companies. If a check-up is performed at a network hospital affiliated with the insurer, this benefit can be obtained without paying any money.
•  Organ Donor Coverage –The best Super-top-up health plans usually cover organ donor payments, which can be a lifesaver when dealing with the high expenditures of a major illness.
•  Floater for the Whole Family -A family floater plan with a top up health insurance can cover medical expenses for you and your complete family for a single payment.
•  Cashless Therapy - If you use a network hospital, the costs of treatment are reimbursed immediately by the insurer, with no need for you to pay anything out of pocket for subsequent reimbursement.
•  Cost-effective and Adaptable - You should also be aware that the super top-up health insurance is adaptable, since you can set your own deductible amount. Reduced premiums are the outcome of lower deductibles. You may also be eligible for a rebate under Section 80D of the Internal Revenue Code. The premium rate is determined by a number of parameters, including the amount covered, the number of insured people, their ages, and the length of the policy.

You now understand how super-top mediclaim policy can assist you in purchasing health insurance. It expands your health insurance coverage and offers a variety of perks. One cannot ignore the rising medical costs. Medical inflation is a hard reality today. With each passing year, the expense of high-quality health care continues to rise. Recent world events, such as the coronavirus epidemic, medical expenses will continue to climb in the near future. In such a case, having a comprehensive super top up mediclaim policy is critical since it provides significant financial protection.

However, if the amount of coverage provided by your mediclaim policy is insufficient to cover your and your family's medical needs. A top up mediclaim policy can bridge the gap between your needs and your resources. In an event of an unexpected medical urgency, these plans are a cost-effective method to cover your medical expenses that may arise.

If your current health plan does not offer the top-up benefit, you can also augment of your current health cover by purchasing the Axis Max Life SEWA Plan. The Secure Earnings & Wellness Advantage from Axis Max Life Insurance gives you the dual benefit of an additional health cover along with life insurance and investment benefits rolled into a single product.

When weighing the benefits of a super top-up health insurance plans for yourself and your family, bear the following in mind: -

• It is important to note that the deductible should only be paid once a year. This payment is one-time only. Any additional accumulated medical bills will be covered by the insurance.
• You can also get cashless treatment if you choose the super-top options. This is especially beneficial when considering the significant sums of money that medical expenses can require.
• You can easily purchase top-up mediclaim policy online. This makes renewing and purchasing these insurance a breeze, especially in medical situations, when they're most required.
• COVID-19 treatment is also covered because this is a provision designed to be utilized in an emergency. This is a significant benefit for many people in today's world.
• A top up health insurance policy often covers hospitalization costs, childcare costs, and the costs of pre-hospitalization and post-hospitalization care. These costs include diagnostic fees, doctor's fees, and so on. However, check the policy document for the scope of coverage or inquire with your insurer about what is covered. Make a note of the exclusions so that there are no issues during the claim settlement process.
• One of the benefits of this policy is that it can be purchased as an individual policy or as a family floater policy. Depending on the size of your family, your budget, and other factors, you can go for a family floater, you may insure your entire family under one policy.

With rising healthcare prices, it's more important than ever to be financially prepared to deal with unexpected medical expenses. If your ordinary health plan has limited coverage, a Super Top-up mediclaim policy for family is a useful method to arrange for an additional sum insured.

Although different health insurance companies have different claim filing procedure, here’s what the most common procedure is:

There are two ways through which you can make a claim towards your top-up mediclaim policy

•  Reimbursement Claims - If you are admitted to the hospital, the first thing you must do is to notify your insurer as soon as possible. You don’t have to visit any office to make a claim. You can just send an email as well. Ever since the claims are made digital all you have to do is to start the reimbursement procedure and submit your medical bills and all essential papers to your insurance provider.
•  Cashless Claims -In order to receive cashless treatments, you must be admitted to a network hospital. You can ask for the cashless request form by showing your e-health card to the hospital help desk. If everything checks out, your claim will be processed right away.
  
  Make sure you get a positive test report from a government-approved centre if you're making a claim about Coronavirus.