United India Super Top Up Medicare Health Insurance

The Super Top Up Medicare Policy provides coverage for the medical expenses reasonably incurred in India during the policy period. It empowers the policyholder to continue to get cover even if the sum insured exceeds the Threshold Level (the amount up to which you or your existing policy can pay the medical bills) or any amount reimbursed or reimbursable. However, it is important to note that the policy responds only when the aggregate of covered hospitalisation expenses exceeds the “Threshold Level” mentioned in the policy.  

• Coverage is applicable in excess of any primary health policy/benefit scheme that you may have
• Threshold Level ranges between Rs. 2 Lakh to Rs. 5 Lakh
• This policy can be taken in addition to other health insurance policy
• No health check-up required below the age of 45 years
• Coverage for 30 days pre & 60 days post hospitalisation expenses
• Cover for all family members under a single individual policy with different sum insured & threshold level
• Inpatient hospitalisation expenses, including room and boarding charges and fees of doctors, surgeons, practitioners, OT charges, etc. 

The Super Top-up Mediclaim policy offers many more benefits, such as cashless treatment in thousands of network hospitals, reimbursement of medical costs if the treatment is taken in a non-network hospital, coverage for pre-existing diseases after 48 months, and options to select the sum insured from several sum insured options and threshold levels. Here are some more benefits of the policy:

• A portability feature to transfer the policy
• Tax benefits according to Section 80D of the Income Tax Act
• Provision of renewing the policy yearly throughout the lifetime
• 15 days of free look period to review the T&C of the policy
• 30 days of the grace period in the case of lapse in the policy renewal date 

Buying a new heath cover just to increase the sum insured limit can leave a huge dent in your pocket. The Super Top-Up Health Insurance Policy provides the benefits of higher insurance coverage at a marginally higher cost. It can be a good supplement to your primary health insurance cover. Since it’s a super top-up plan, you need to select a deductible or threshold limit at the time of buying the policy.

When buying a health insurance policy, it is advisable to choose InsuranceDekho as an online platform. It will help you to do a thorough quote comparison and pick the right plan that can fit your budget and health requirements. Besides, InsuranceDekho will also help you when it comes to filing up of claims.

Individual sum insured and family floater sum insured type are the two coverage types you can choose between at the time of purchasing Super Top Up Medicare policy.

The sum insured range for Super Top Up Medicare is Rs. 3 Lakh to Rs. 15 Lakh.

The Specified Threshold Level under Super Top Up Medicare policy ranges between Rs. 2 Lakh to Rs. 5 Lakh. 

While the minimum entry age for Super Top Up Medicare policy is 3 months, the maximum entry age is 80 years.