Super Top-up Health Insurance

At its peak, COVID-19 posed varied challenges. For instance, multiple members of the same family were hospitalised at the same time! Naturally, such a situation caused panic at multiple levels. From a financial standpoint, even those with a health insurance policy found it hard to meet the hospital expenses, as their policy’s sum insured was exhausted. This need not be the case all the time because a Super Top-up Health Insurance plan can come to the rescue. 

Read ahead to know how ACKO’s Super Top-up Health Insurance Plan can help you during challenging times. 

A Super Top-up Health Insurance Plan, is a type of plan which you can purchase with or without a primary health insurance policy. All you need to do is set a deductible while buying a Super Top-up Plan. 

The deductible is an amount you must pay before your insurance plan starts covering your approved medical expenses. Then, at the time of claim, you must pay the hospital bill up to this deductible, and the Super Top-up Plan will cover the remaining claim amount.  

Deductibles can be paid by in three different ways:

From your pocket 

From the Group health cover

From your existing health insurance policy

Let's understand this with the help of an example. 

Best friends James and Neha bought ACKO Platinum Super Top-up Health Insurance Plans for themselves and their dependents. 

James already had a health insurance policy with Rs. 5 lakhs sum insured.

Neha did not have any existing health insurance plan.

Since they both could set a deductible of their choice on the Super Top-up plan, James set it at Rs. 5 lakhs, and Neha set it at Rs. 2 lakhs. 

In case of a future claim, James can claim up to Rs. 5 lakhs from his primary health plan and the balance amount from his Super Top-up plan if the expenses exceed the deductible. 

At the same time, Neha must pay Rs. 2 lakh out of her own pocket, and then claim the remaining amount from the Super Top-up plan; since she does not have an existing health plan. 

Also, read: Difference between top-up plan and super top-up plan in health insurance

A Super Top-up health insurance plan offers benefits similar to a regular health insurance policy. It also covers treatment costs, ambulance charges, etc. The only difference is this plan can be used only when the expenses exceed the set deductible.

For example 

Ms B bought a health insurance policy with a sum insured of Rs. 3 lakhs. It covered herself, her spouse, and one child. After some time, she realised that the base plan’s sum insured could be insufficient and decided to buy a Super Top-up Plan with a deductible of Rs. 3 lakh. This new plan offered a usable sum insured of Rs. 4 lakhs. 

Unfortunately, the family got into a road accident, and all three members had to be hospitalised for multiple injuries. The hospital bill amounted to Rs. 5 lakhs. Here is how both the plans helped Ms B during the medical emergency.

Super top-up plans are the most beneficial to people that belong to high-risk groups. For example, people of the higher age group and those with a worrying medical history, especially critical illness. It is also useful where a specific medical condition is common in a family, like hereditary diseases. 

Buying Super Top-up Plans is also useful for people who have bought a health plan with a lower sum insured. It can prove to be insufficient in case of multiple medical events and may pose a financial risk if the sum insured gets exhausted. The Super Top-up ensures that a higher sum insured is available to cover the maximum cost of treatment.

The following factors will be taken into consideration while approving your application to buy our Super Top-up Plan.

Group Medical Coverage (If the policyholder is covered under ACKO Group Medical Cover (GMC), they can add the same dependents in our Super Top-up Plan.)

Senior citizens might suffer from long-term health issues and frequently need medical treatment. Under ACKO’s Super Top-up Health Insurance Plan, you can get coverage for your senior citizen parents if they are a part of your ACKO Group Medical Coverage (GMC), also known as Group Health Insurance. Thus, all the members insured under the GMC can avail of coverage under ACKO’s Super Top-up plan.

It's pretty simple to submit a claim against your ACKO Platinum Super Top-up Health Insurance Plan. All you need is a computer or smartphone with a working internet connection. Then download the ACKO app on your phone to submit a claim anytime from any location. 

Following are the steps to claim against your ACKO Platinum Super Top-up Health Insurance Plan.

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.

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