Kotak Mahindra Health Insurance Top-up & Super Top-up Plans

A super top-up plan is an additional investment that helps the insured individual enhance their health insurance coverage. Working alongside the basic health insurance policy, a super top-up plan provides a better cover, without paying a high premium. An ideal supplement, a super top-up policy provides coverage over the threshold limit in multiple hospitalisations, unlike top-up plans that become active when the threshold limit on a regular policy gets exceeded on a single hospitalisation. An added protection with multiple benefits, super top-up plan is definitely a boon offered by health insurance companies.

Kotak Health Super Top-Up Policy

Super Top-Up Policy by Kotak Health Insurance is a beneficial super top-up policy that provides ‘More for Less’. Helping insured persons secure themselves even if their health insurance cover doesn’t due to a limit, Kotak General’s super Top-Up plan is an ultimate solution that prevents sky-rocketing medical costs from burning a hole in one’s pocket.

Key Benefits of Kotak Health Super Top-Up Policy

Kotak Health Super Top-Up Policy is a superior selection to pick. It is a reliable plan that can be availed for a period of 1 year, 2 years or 3 years. When it comes to sum insured range covered, note that it starts from Rs. 3 Lakh. The scope of coverage comprises cover for expenses such as in-patient hospitalisation, pre & post hospitalisation, organ donor expenses, ambulance charges, and:

• Alternative treatment
• 405 day care procedures
• 100% restoration of sum insured for claims
• 30 days pre & 60 days post-hospitalisation expenses
• 10% additional annual sum insured for every claim free year up to a maximum of 50%
• Double sum insured for hospitalisation due to an accident, subject to maximum payout of Rs. 40 lakh

Who Can Buy this Plan?

Available for one and all, the super top-up plan offered comes with a minimum entry age of 91 days and maximum entry age of 65 years.

Waiting Period Under the Plan

While waiting period for pre-existing diseases under Kotak super top-up plan is as per the variant opted for, the initial waiting period is 30 days. Moreover, there is a waiting period of 2 years for certain diseases and surgeries such as Hernia, Fissures/Fistula, Arthritis, Gout, and others.

Renewability of the Plan

Kotak Health Super Top-Up policy is lifelong renewable.

Exclusions Under the Plan

Kotak Health Super Top-Up policy does not cover you against the following:

• HIV/AIDS
• Claims related to criminal acts
• Dental treatments, aesthetic or cosmetic surgeries
• Procedures or treatments like routine health check-ups
• Injury or illness due to abuse of intoxicating substances