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Worried About The High Cost Of Treatment For Covid ?

If you want to increase the Health Insurance coverage for COVID policy, you may like to consider Super Top up Health Insurance. This policy triggers when your existing Sum Insured is exhausted and the claim is over and above the sum insured.

  • It has a 30 days waiting period for covering COVID, so the sooner the better.

Super Top up Health Insurance

The average medical cover provided by an employer is generally in the range of Rs 3 Lakh to Rs 5 Lakh, however considering the medical expenses in current medical settings, do you think that the coverage by the employer is enough?

Yes and No.

Yes because:

  • 85% of treatments currently in India get done within 3-5 lacs.

No because:

  • The cost of healthcare is increasing exponentially. It is increasing at a much higher rate than normal inflation and our normal salary increases per year. So the gap is fast increasing and Insurance can cover that gap.
  • New diseases every year like Ebola, Corona, Swine Flu etc., are further increasing the risk.
  • Advancement in medical technology like Robotic and stem cells are blessings for mankind. But these blessings come at cost.
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Insurer
  • Plan Name
  • Entry Age
  • Pre acceptance health check up
  • Pre acceptance health check up-UW waiver
  • Pre Existing Waiting period in years
  • 30 Days Waiting Period
  • Waiting period for Specific Ailments
  • Waiting period for Specific Ailments
  • Copay
  • Disease wise limits
  • Pre & Post Hospitalisation Expenses.
  • Single Private AC Room
  • Road Ambulance
  • Domicilary Hospitalisation.
  • Organ Donor
  • Health Check up.
  • Day Care Procedures Covered.
  • Cumulative Bonus for Claim Free year.
  • Extended Cumulative Bonus
  • Restoration even for related claims
  • Restoration for unrelated claims
  • Air Ambulance
  • Out Patient Expenses
  • Maternity Benefit
  • New Born Baby Cover
  • Child Vacination Benefit
  • Dental and Vision
  • Hospital Daily Cash Benefit.
  • Laser surgery cover
  • Shared Accomodation Benefit
  • Recovery Benefit
  • Ayush Benefit
  • Accidental Death Benefit
  • Permanent Total Disablement Benefit
  • Accidental Hospitalisation Benefit.
  • Coverage for Modern Treatments
  • Wellness Services
  • Second Opinion Benefit
  • Bariatric Surgery Benefit
  • Compassionate Travel Benefit
  • Discounts on Renewal Premium
  • Infertility Treatment
  • Critical Illness
  • Emergency hospitalization
  • Emergency medcial evacuation
  • Compassionate visit
  • Care and/or transport of minor children
  • Return of mortal remains
  • Medical referal
  • Medical repatriation
  • OPD cover
  • Loss of passport
  • Loss of checked in baggage
  • Trip cancellation and interruption
  • Trip delay
  • Delay of check in baggage
  • Psychiatric and Psychosomatic Disorder
  • Proposal form
  • Prospectus
  • Sum Insured in lacs