Top-up Health Insurance
SUPER Top-up Health Insurance has similar features as Regular Health Insurance. A regular policy reimburses hospital bills up to the sum insured while a SUPER top-up plan covers costs after the Threshold/Deductible is reached. This plan covers the total of the entire bill in a given year. In other words, the multiple hospitalizations are covered and they look at the aggregate claim.
Mr. Amit has a Health Insurance with a sum insured of Rs.3 lakhs with a Super Top-up policy also for Rs.3Lakhs with a deductible of 3lakhs.
- Example 1:
In the above instance only after the Deductibles are exhausted the person can use the claim from the Super top up.
- Example 2:
In the above incident the since the deduction isn’t exhausted the Super Top Up doesn’t trigger
- Example 3:
In the above incident the claim was made twice, first time the deductible amount was exhausted and the second time claim was made from super top up.