Health Insurance Policy - Super Top Up

Health Super Top Up Plan — High Coverage at Affordable Rates

Overview

Concerned that your current health insurance may not be sufficient? The Health Super Top Up plan is designed to enhance your coverage at a lower premium. It works alongside your existing health insurance (or even without one) by covering expenses beyond a set deductible.

Once the deductible is met—either through another policy or out-of-pocket—this top-up plan activates and covers the remaining costs.

Product UIN: ZUKHLIP21162V042021 View Benefit Illustration: Click here

Key Benefits

Benefit Type

Coverage Details

In-Patient Treatment

Covers hospitalization of 24+ hours

Day Care Procedures

405 listed treatments covered

Pre & Post Hospitalization

Up to 30 days before and 60 days after

Ambulance Cover

Up to ₹2,000 per hospitalization

Organ Donor Cover

Donor’s hospitalization expenses

Alternative Treatments

Ayurveda, Unani, etc. up to ₹50,000

Sum Insured Restoration

100% for unrelated illnesses

Accident Cover

Double sum insured, up to ₹40 lakhs

Cumulative Bonus

10% increase per claim-free year (max 50%)

Features

  • Cover your entire family under one plan

  • Choose from multiple plan variants based on your needs

  • Wide range of sum insured and deductible options

  • Opt for long-term coverage of 2 or 3 years

  • Save tax under Section 80D of the Income Tax Act, 1961*

*Tax benefits are subject to conditions under the Income Tax Act. Please consult your tax advisor.

Claim Process

Cashless Claims

  • For planned hospitalization, inform 48 hours in advance

  • For emergency hospitalization, inform within 24 hours

  • Use your policy certificate at network hospitals

Reimbursement Claims

  • Inform immediately upon hospitalization

  • Pay bills and collect all relevant documents

  • Submit original documents within 30 days of discharge

Waiting Periods & Exclusions

  • Pre-existing diseases: Covered after waiting period as per plan

  • 30-day initial waiting: Applies unless due to accident

  • Specified conditions: Hernia, arthritis, etc. excluded for first 2 years

  • Permanent exclusions: Routine check-ups, cosmetic surgery, substance abuse, etc.

For full details, refer to the policy wordings available on the official website.

Contact us