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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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Around 3-5 lacs expenses on health care may not impact my lifestyle. We can always depend on my friends and relatives or on my savings.

But imagine if the treatment cost goes beyond 20 lacs or 40 lacs.

It happens in accidents, cancer, joint replacements, heart attacks, kidney transplantation etc..

Many of us will go back 2-5 years financially. Many will have to sell their houses to cover the cost.

This is when we actually need health insurance.

This is when Super Top up Health Insurance helps.

It covers higher value of claims and surprisingly very low cost of premiums. It does not cover the lower value of claims and that can be covered from your pocket or from your employer group health insurance or from any other regular health insurance policy.

In-fact it is a wise idea to first cover ourselves with a higher amount of claims through Super top up Insurance and then if our budget permits, we can cover for a lower amount of claims too

Let’s understand how super top up works

Mr. Raju had a major Surgery for which the medical expenses were Rs 9 lakhs. His insurance policy provided by his company had a threshold limit of Rs 3 lakhs. When his boss asked how he would manage the rest of the expenses, Mr. Raju said that he has a Super top-up plan.

A regular health insurance policy has a sum insured limit, beyond which it does not cover any expenses. This is when a Super top-up policy is useful, it becomes effective soon as the sum assured from a health plan is exhausted. Therefore, Ms.Raju can claim the balance amount of Rs 6 lakhs from his super top-up health cover. So essentially, he has a super top up plan with a deductible of Rs 3 lakhs.


Let’s say you have taken two policies

1. A Normal Health policy of 3 lacs and (it could be your corporate policy or you may choose to cover up to 3 lacs from your pocket.)

2. Super top up policy of 10 lacs with 3 lacs deductible.

Case 1: If the claim is of 9 lacs

Policy 1: will pay 3 lacs which is equal to its sum insured. If you don’t have a base policy or corporate policy, then this amount will be paid from your pocket.

Policy 2: This policy will pay above 3 lacs (which is deductible). That means 6 lacs (9-3=6) will be paid from this policy.

You will be still having a balance sum insured of 4 lacs (10 lacs – 6 lacs = 4 lacs) in the super top up policy which can be utilised in any future claims.

Don’t get confused between Top up and Super top up

A super top up comes to the rescue when a single claim does not cross the deductible limit of top up policy, but multiple claims do. Thus, if Mr.Raju submitted three different claims of Rs 3 lakhs, Rs 3 lakhs and Rs.3 lacs respectively, the top up plan would be useless since none of them exceed Rs 3 lakhs individually.

But in Super top up, all the three claims will be added up the total claim beyond 3 lacs deductible, which in this case will be 6 lacs is payable.

Thus one should always choose Super top up instead of Top up.


Compare your Super Top up Health Insurance plans

Insurance CompanyStarOrientalNew IndiaHdfc ErgoUnited IndiaLibertyBajajKotakNationalUniversal SompoFuture GeneraliCholamandalam
Entry age18-6518-70 years. 10% loading on premium if entry is18-65 years18-6518-6518-6518-80 years91 days – 65 years.18-65 years18-80 yearsAny age.Adult: 18 years-70 Years
Premium increaseUp to 80 years.Up to 60 years2.5% every year beyond 65.Up to 60 years for Medisure, upto 70 for HSUp to 60 years.Up to 65 years.Up to 70 yearsUp to 80 years.Up to 75 years.Up to 76 years.Up to 70 Years
Pre acceptance healthNot RequiredAbove 55 yearsAbove 50 yearsAbove 55 yearsAbove 45 yearsNot Required.Above 55 yearsAbove 50 years50 years and aboveAbove 65 years of if Sum Insured is greater than 20 Lacs.On case to case basisAbove 55 Years.
Pre-Existing Diseases Waiting Period1 year4 years.4 years.3 years for Medisure, 4 years for HS4 years.3 years1 year4 years.After 1 year – 50% Co-Pay. 2 years – 25% Copay.3 years for Gold, 2 years for Diamond and 1 year for Platinum plan.2 years.Premiere: 4 Years Supreme : 3 years
No Claim bonusNot Applicable.Not Applicable.Not Applicable.Not Applicable.Not Applicable.10% every year, max 100%Not Applicable10% every year, max 50%5% of Sum Insured every year, Maximum 50%20% every year, max 100%10% every year, max 50%Not Applicable.
Pre and Post Hospitalisation60/90 days respectively30/60 days respectivelyNot Covered.30/60 days respectivelyNot covered30/60 for option 1. 60/90 for option 260/90 Days respectively30/60 days respectively30/60 days respectively60/90 – gold, 90/120 – Diamond,60/90 days respectivelyNot covered for Premiere and 60/90 days for Supreme
Health Check upNot coveredNot coveredNot coveredNot ApplicableNot coveredOnce in 3 years.Not ApplicableNot ApplicableEvery Year.Not Applicable.Not covered
Room Rent limitSingle Standard Private RoomSingle Standard Private Room1% and 2% of SI of Deductible for Normal and ICU respectively.Single Standard Private RoomSingle Standard Private RoomSingle Standard Private RoomSingle Standard Private RoomSingle Standard Private RoomSingle Standard Private RoomSingle Standard Private RoomSingle Standard Private RoomSingle Standard Private Room
Orgon DonorCovered.Covered.Covered.Covered.Covered.Covered.Covered.Covered.Covered.Not covered for Gold, Covered for Diamond and Platinum planCovered after 2 years.Covered.
Ayush BenefitNot CoveredCovered.Covered.Not Covered.CoveredOptionalUpto 50KCovered.Covered for Diamond and Platinum plans only.Covered after 2 yearsCovered
Special Benefits.Maternity up to 50K with 1 year waiting period. Recharged benefit up to the limit specified. Air Ambulance up to 10% of Sum Insured for above 10 lacs Sum Insured only.Maternity Benefit up to 10% of Sum Insured. New Born from day 1 up to 5% of Sum Insured. Treatment in SAARC countriesCataract up to 50K max.Not Applicable.Not Applicable.Maternity Covered with waiting period of 1 year.Double Sum Insured for Accident Claims, max 40L. Restoration of Sum InsuredMaternity Covered after 36 Months. HIV/AIDS Waiting Period 3 Months (If pre-existing, not covered) Bariatric Surgery Covered – 36 MonthsBariatric Surgery Covered for 3 lacs for Diamond and 5 lacs for Platinum plans. Not covered for Gold plan. Global Cover for 180 days. Automatic Restore benefit – Not covered for Gold, Covered for Diamond and Platinum planHIV/AIDS Waiting Period 4years. Mental Illness or Psychiatric Illness covered after Waiting
Co-payment10% Co-pay If entry is above 60 years.Not Applicable.Not Applicable.10% above 80 years.Not ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableNot Applicable
Optional benefits.Not ApplicableNot ApplicableNot ApplicableNot ApplicableNot ApplicableWorld Wide Cover Ayush Benefit. Restore Benefit.Air Ambulance CoverInstalment Facility for payment of premiumsNot Applicable.Wellness Benefit.Instalment facility for payment of premium.Not Applicable.
Waiting Periods for specificAilments30 days
One years waiting period.

30 days

One years waiting period.
Two years waiting period

30 days

Two years waiting period1.
Four years waiting period.
30 days
Two years waiting period
30 days30 days
Two years waiting period.
30 days
One years waiting period1.
30 days.
Two years waiting period

30 days

One years waiting period
Two years waiting period
30 days
Two years waiting period
30 days
Two years waiting period
30 days
One years waiting period