Super Top-up Health Insurance

Are rising medical expenses keeping you up at night? 😰 

If so, you're not alone! With healthcare costs continually on the rise, many individuals are searching for ways to protect themselves from unexpected medical bills without breaking the bank.

Here comes a super top-up health insurance: a powerful, budget-friendly way to enhance your existing health coverage and secure your financial future.

This type of plan is designed to kick in when your base health insurance policy reaches its limit, providing you with peace of mind and extra protection.

A super top-up health insurance plan is like an extension of health insurance plan you can use when you’ve already used the maximum claim amount (during the year) from your primary insurance.

However, a super top-up requires you to set a deductible in health insurance before purchasing to pay for your authorized medical expenses claims, and you must pay the deductible. The Super Top-up Plan will then pay the remaining claim amount once you have paid the hospital cost up to this deductible at the time of claim.

So, what’s great about a super top-up plan?

It covers claims for cumulative medical expenses within a policy year once you’ve exceeded the deductible, versus a regular top-up that only covers claims when a single claim goes above the deductible!

Confused? Here is an example to explain you better.

So far, we understand that super top-up health insurance provides additional coverage over and above your existing health insurance policy by covering medical expenses beyond a specified deductible amount. Here’s how it works:

Deductible Clause

You must pay or claim up to the deductible amount through your base policy or out of pocket. The super top-up plan activates only for expenses exceeding this limit.

Cumulative Claims

Unlike standard top-up plans, super top-ups consider the total medical expenses within a policy year, even if you make multiple claims. This is done to determine if the deductible is met.

Additional Protection

It enhances coverage at a lower premium, ensuring financial security during high or recurring medical costs.

For example, if your deductible is ₹3 lakh and your total medical expenses for the year amount to ₹5 lakh, the super top-up policy will cover the ₹2 lakh exceeding the deductible. This makes it an excellent choice for managing extensive medical bills without overburdening your finances.

You can submit a claim against your super top-up policy online or in writing to your policyholder to recover your expenses. For example, if you have taken Digit’s Super Top-Up Plan, here are the steps to get a cashless and reimbursement claim.

Cashless Claim Settlement Process

Step 1: Choose any 9000+ Network Hospitals at Digit for a cashless claim.

Step 2: Notify us within 24 hours of being admitted to the hospital in case of an emergency or at least two to three days before any scheduled hospitalization.

Step 3: Present your e-health card to the hospital's help desk or insurance support desk and get the pre-approval paperwork.

Step 4: Complete the form, sign it, and turn it in at the support desk.

Step 5: If everything is verified, you can proceed with the treatment using the cashless facility.

Read: Cashless Health Insurance Policy

Reimbursement Claim Settlement Process

Step 1: Call us within two days after being admitted to the hospital.

Step 2: You will receive a link to upload soft copies of all original documents (bills, reports, etc.) along with the bank account information of your choice.

Step 3: You must personally sign each document before uploading.

Step 4: Upload the documents after you obtain the link or within 30 days of the discharge date.

Step 5: You will be paid within 30 days after verification and approval of the document.

Read: Reimbursement Claim in Health Insurance

It is important to know about the eligibility criteria before buying any super top-up health insurance plan. These eligibility criteria might vary from one insurer to another, but in general, the eligibility includes the following:

• Age: The person buying the policy must be 18 years of age or older.
• Nationality: The policyholder must be an Indian citizen.
• Medical Examination: Every individual above 45 must get certain tests done to get super top-up coverage.
• Previous Medical Health Condition: Disclose your medical health condition before buying any super top-up.

In conclusion, super top-up health insurance is an excellent way to extend your financial safety net and safeguard against high medical expenses without significantly increasing your premiums. It’s especially beneficial for those who want comprehensive coverage for unexpected, large medical costs while keeping their overall insurance costs manageable.

Don't wait until a medical emergency arises — consider adding a super top-up health insurance plan to strengthen your health coverage today.