United India Super Top Up Medicare Health Insurance

Claim Settlement | Dedicated Team |
Claim Settlement Ratio | 78.03% |
COVID-19 Cover | Yes |
Network Hospitals | 7,000+ |
Policies Sold | 11,82,067 |
Renewability | Lifelong |
About United India Super Top Up Medicare Health Insurance
Super Top-up Policy is a popular health insurance product offered by United India Insurance that offers enhanced protection to people aged between 3 months and 80 years. It covers aggregate hospitalisation expenses with respect to all covered hospitalisations during a policy term that exceed the threshold limit up to the sum insured as specified in the policy. If covered under the policy, you can choose from the different sum insured options between Rs. 3 Lakh and Rs. 15 Lakh, depending on the threshold or deductible limit which can be Rs. 2 Lakh, Rs. 3 Lakh, and Rs. 5 Lakh. The policy is available on an individual or family floater basis, where a separate sum insured for every insured person is provided under an individual sum insured basis while the sum insured limit is shared by the whole family of the Proposer if the policy is purchased on family floater basis. On a family floater basis, you can include self, spouse, dependent children, and parents under this policy.
The policy comes with several coverage benefits some of which include in-patient hospitalisation expenses, daycare expenses, expenses related to ayurvedic treatment, organ donor’s hospitalisation expenses, cover for modern treatments, etc. The policy is available for one year, after which it needs to be renewed in order to keep availing of coverage benefits. You can pay the premium for this policy online in case of a new policy as well as renewal. You can avail of tax benefits on the premium paid for this policy, under Section 80D of the Income Tax Act, 1961. Also, kindly note that you will be required to undergo a pre-policy medical check-up to be covered under this policy if you are aged 45 years or above.
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Key Inclusions and Exclusions of the Plan
What's Included
- Daycare treatments
- In-patient hospitalisation expenses including room rent, nursing, and boarding expenses is covered under this plan
- Organ donor’s hospitalisation expenses
- Expenses related to ayurvedic treatment are covered
- Cover for some modern treatment methods and advancements in technology
What's Not Included
- Change of gender treatments
- Dental treatments or surgery of any kind unless required due to an accident that results in hospitalisation
- Expenses arising due to sterility and infertility
- Congenital external diseases, defects or anomalies
- Hospitalisation for investigation and evaluation purpose is not covered
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United India Super Top Up Medicare Policy Expert Review
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Expert Review
Super Top Up Medicare Policy designed by United India Insurance is a kind of policy that prevents you from falling prey to the financial crisis during a medical emergency. Available on the individual and family floater sum insured basis, Super Top Up Medicare Policy is an all-round health product to ensure proper medical coverage beyond the chosen deductible limit. Equipped with various customer-friendly features, the policy comes with a vast range of sum insured options from Rs. 3 Lakh to Rs. 15 Lakh and covers aggregate hospitalisation expenses due to an illness or an accident.
The Super Top-Up Health Insurance Policy has been designed to give additional protection at lower prices when hospitalisation expenses are very high. If the policy is taken on an individual basis, the premium is calculated based on the completed age of the insured person during the inception of the policy. On the other hand, if the policy is taken based on the family floater, the premium is calculated based on the age of the eldest member of the family.
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Major Attractions
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.
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What’s More?
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
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Conclusion
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.

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FAQs on Super Top Up Medicare Policy Health Insurance Plan
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What all does Super Top Up Medicare policy cover?
Super Top Up Medicare policy by United India Insurance offers coverage for inpatient treatment if hospitalisation exceeds 24 hours. The plan covers medical expenses, room rent, boarding, anesthetist fee, surgeon fee, and specialist fee up to the sum insured. Additionally, it indemnifies hospitalisation expenses incurred for a donor in the event of an organ transplant.
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What are the coverage types under which I can buy Super Top Up Medicare policy?
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.
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What is the sum insured range for Super Top Up Medicare policy?
The sum insured range for Super Top Up Medicare is Rs. 3 Lakh to Rs. 15 Lakh.
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What is the Specified Threshold Level range under Super Top Up Medicare policy?
The Specified Threshold Level under Super Top Up Medicare policy ranges between Rs. 2 Lakh to Rs. 5 Lakh.
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What is the eligibility criteria for purchasing Super Top Up Medicare policy?
While the minimum entry age for Super Top Up Medicare policy is 3 months, the maximum entry age is 80 years.