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
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%) |
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.
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
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.