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Super Top-Up Health Insurance Plans

Enhance your health insurance coverage at affordable premiums. Stay financially protected against rising healthcare costs.

Coverage for inpatient hospitalisation
Sum insured up to ₹95 lakhs
Individual and family floater coverage

Start your journey

Submit your details below to start your journey towards financial security against medical emergencies.

Step 1

Step 2

Step 3

Finish

2.5Cr +

LIVES INSURED

4800 +

LOCATIONS PRESENCE

11000+

CASHLESS HOSPITALS

96%*

CLAIM SETTLEMENT RATIO FOR FY 22-23

Why do you need Super Health Plus Top-Up Insurance Plan?

Increasing medical expenses

Medical expenses are rising considerably, and meeting hospital bills can be a financial drain if you are not prepared^

Covers your family

Enjoy protection against the medical bills of your family members too with the Super Health Plus Top-Up plan^

Supplements coverage

The Super Health Plus Top-Up plan allows higher coverage levels to pay for expensive medical bills^

Affordable premiums

Premiums are pocket-friendly, allowing you to afford high coverage without hampering your budget^

Comprehensive protection

Get covered against inpatient hospitalisation, daycare treatments, domiciliary hospitalisation and more^

Tax benefit

Enjoy a deduction on the premium paid for the policy under Section 80D of Income Tax Act, 1938 and lower your tax liability**

Our Super Health Plus Top-Up Plans at a glance

BY PRODUCT

Super Health Plus Top-Up

Super Health Plus Top-Up Plan

UIN: ADIHLIP21061V022021

KEY FEATURES Super Health Plus Top-Up

Two coverage variants
Domestic and international coverage emergency assistance services
Health and wellness discounts

Premium

₹10,768*/ year

View Plan Buy Plan

Understanding Super Health Plus Top-Up insurance plans

What is a Super Health Plus Top-Up insurance plan?How does the Super Health Plus Top-Up plan work?What are the features of a Super Health Plus Top-Up insurance plan?What are the tax benefits of Super Health Plus Top-Up insurance?What are the waiting periods under a Super Health Plus Top-Up plan?Who Should Buy a Super Health Plus Top-Up Policy?

What is a Super Health Plus Top-Up insurance plan ?

A Super Health Plus Top-Up plan is a supplemental health insurance coverage which seeks to enhance an existing health insurance coverage. The plan comes with a deductible limit and when claims exceed the deductible limit, the plan pays for the excess claims.

How does the Super Health Plus Top-Up plan work?

There is a sum insured and a deductible limit under Super Health Plus Top-Up plans.
Claims up to the deductible limit are not paid by the plan
Once the aggregate claims in a policy year exceed the deductible limit, the excess claim is paid
Super Health Plus Top-Up plans pay excess claims up to their sum insured limits

What are the features of a Super Health Plus Top-Up insurance plan?

Plans with a deductible limit
Affordable premiums with higher coverage
Provides inpatient coverage
Multi-year plans are available

What are the tax benefits of Super Health Plus Top-Up insurance?

Premium paid for the plan is allowed as a deduction under Section 80D of Income Tax Act, 1938**

The limit is as follows -

₹25,000 if you are below 60 years
₹50,000 if you are 60 and above
Additional ₹25,000 for parents’ premium if the parents are below 60 years
Additional ₹50,000 for parents’ premium if any parent is a senior citizen

What are the waiting periods under a Super Health Plus Top-Up plan?

Goal

Pre-existing waiting period - 36/48 months depending on plan variant
Risk appetite

Initial waiting period - 30 days

Duration

Specific illness waiting period - 24 months
Liquidity

Mental illness waiting period - 48 months

Who Should Buy a Super Health Plus Top-Up Policy?

The following individuals must buy the Super Health Plus Top-Up policy to benefit in the following ways:

Senior Citizens (Above 60 years) and Parents

Aging individuals, especially those above 60 years, may face higher health risks and increased medical expenses. A Super Health Plus Top-Up policy provides additional coverage beyond the threshold of their primary health insurance, ensuring comprehensive protection.

Your Parents

Parents, who may be in an older age bracket, can benefit from the extra financial security offered by a Super Health Plus Top-Up policy. This coverage becomes particularly important as healthcare needs tend to increase with age.

Upgrade Employer Health Plan

Employer-provided health insurance plans often come with limitations. Employees can consider a Super Health Plus Top-Up policy to supplement their employer's coverage, offering an added layer of protection against unexpected medical expenses.

If Your Existing Coverage is Insufficient

Individuals who find that their current health insurance coverage is inadequate can opt for a Super Health Plus Top-Up policy. This ensures additional financial support when the sum insured of their primary health plan is exhausted, offering a safety net during emergencies.

Check Your Eligibility For Top Up Plans

Before you purchase Term Insurance, ensure you qualify and have the necessary documents.

Eligibility Criteria

Entry Age Adults Age: 18 years onwards
Child Age : 91 days to 25 years - Family Floater Plan
5 years to 25 years - Individual Plan
Disclosures Must disclose pre-existing conditions and smoking habit.
Family Must be spouse, children, parents, and sibling to be covered under a family floater plan.

Waiting Period

Initial waiting period: 30 Days
Pre-existing diseases: Depending on the plan selected
Specific diseases: Depending on the plan selected

Things To Keep In Mind

Making a Claim

Keep the deductible in mind when making a claim

Claim is triggered if the aggregate claims in a policy year exceed the deductible
Claims below deductible will not be paid

Claim Process

Simple process when you need help the most

Inform the insurance company of the claim within the specified time frame
Submit all relevant documents for claim processing
Get claims settled on a cashless basis

Exclusions

Instances when the coverage will not be available#

Self-inflicted injuries
Criminal acts
Injuries suffered under the influence of drugs or liquor
War, nuclear threat or mutiny
Congenital abnormalities
Unproven, experimental and cosmetic treatments
Maternity-related treatments and expenses

# For the complete list of exclusions please refer the policy wordings .

Customer Satisfaction Stories

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