Question 1

What all does Super Top Up Medicare policy cover?

Accepted Answer

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.

Question 2

What are the coverage types under which I can buy Super Top Up Medicare policy?

Accepted Answer

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.

Question 3

What is the sum insured range for Super Top Up Medicare policy?

Accepted Answer

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

Question 4

What is the Specified Threshold Level range under Super Top Up Medicare policy?

Accepted Answer

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

Question 5

What is the eligibility criteria for purchasing Super Top Up Medicare policy?

Accepted Answer

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

Question 6

Does Super Top Up Medicare policy cover children?

Accepted Answer

Super Top Up Medicare policy, under its family coverage type, not only covers self & spouse, but also dependent children (minimum age - 3 months).

Question 7

Is pre-policy medical check up required for Super Top Up Medicare policy?

Accepted Answer

Under Super Top Up Medicare policy, pre-policy medical check up is compulsory for entry age 45 years or above.

Question 8

Does Super Top Up Medicare policy cover Ayurvedic treatment?

Accepted Answer

In case of Ayurvedic Treatment, hospitalisation expenses are admissible if the treatment has been received in a government hospital or in any institute recognised by the government and/or accredited by Quality Council of India/National Accreditation Board of Health.

Question 9

What is the waiting period for pre-existing diseases under Super Top Up Medicare policy?

Accepted Answer

Under Super Top Up Medicare policy, pre-existing diseases are covered after a waiting period of 48 months.

Question 10

Can I avail tax benefits under Super Top Up Medicare policy?

Accepted Answer

Yes, you can avail tax rebate as per the Income Tax rules under Section 80D for Super Top Up Medicare policy.

Question 11

What are the modern treatment methods and advancements in technologies covered under this policy?

Accepted Answer

Following are the modern treatment methods and advancements in technologies covered under this policy:        Uterine Artery Embolization & High Intensity Focussed Ultrasound (HIFU)    Oral chemotherapy    Immunotherapy- Monoclonal Antibody to be given as an injection    Balloon sinuplasty    Deep Brain Stimulation    Robotic Surgeries (including Robotic-Assisted Surgeries)    Intra vitreal injections    Bronchial thermoplasty    Stereotactic Radio Surgeries     Stem Cell Therapy    The vaporisation of the prostate (green laser treatment or holmium laser treatment)    Intra Operative Neuro Monitoring (IONM)

Question 12

Are maternity expenses covered under this policy?

Accepted Answer

No. The policy does not cover you for maternity expenses including complicated deliveries and caesarean sections incurred due to hospitalisation, except for ectopic pregnancy and expenses arising due to miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy term.

Claim Settlement	Dedicated Team
Claim Settlement Ratio	78.03%
COVID-19 Cover	Yes
Network Hospitals	7,000+
Policies Sold	11,82,067
Renewability	Lifelong

Name of Plan	Sum Insured
Individual Health Insurance PolicyMin: 91 Days; Max: 65 YearsPopular	2 Lakh	Check Premium
UNI Criticare PolicyMin: 21 Years; Max: 65 Years	1 Lakh	Check Premium
Family Medicare PolicyMin: 3 Months; Max: 80 Years	2 Lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years	50,000 - 5 lakh	Check Premium

Name of Plan	Sum Insured
Super Top Up Medicare PolicyMin: 3 Months; Max: 80 Years	3 Lakh	Check Premium

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What all does Super Top Up Medicare policy cover?

What are the coverage types under which I can buy Super Top Up Medicare policy?

What is the sum insured range for Super Top Up Medicare policy?

What is the Specified Threshold Level range under Super Top Up Medicare policy?

What is the eligibility criteria for purchasing Super Top Up Medicare policy?

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