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Tech ObserverArticleA Beginner's Guide to Super Top-Up Health Insurance

A Beginner’s Guide to Super Top-Up Health Insurance

If you have health insurance and are thinking about expanding its coverage, buying super top-up health insurance is your way.

If you have health insurance and are thinking about expanding its coverage, buying super top-up health insurance is your way.

Today, it is critical that everyone invests in , as even a short trip to the hospital can deplete your savings and put you in debt. However, health insurance isn’t always enough because treatment for a critical illness can cost huge amounts of money. Therefore, it is crucial to back it up with super top-up health insurance to cover additional expenses that could quickly exhaust the sum insured of your standard policy.

So, if you have health insurance and are thinking about expanding its coverage, buying super top-up health insurance is your way. So, without further ado, let us look at some of the benefits that you get as part of super top-up health insurance coverage:

Extended coverage During hospitalization

A super top-up health insurance plan can range from ₹1 lakh to ₹30 lakhs and kicks in when your base health insurance coverage is exhausted. So, you can be assured that your super top-up will provide coverage for additional expenses should you require additional care and an extended treatment period at the hospital.

Seamless Cashless Hospitalization Across Network Hospitals

Like standard health insurance plans, even top-up health insurance policies offer cashless hospitalization in the best hospitals across India. So, even if you need to utilize the top-up plan, arranging cash or going through the reimbursement process will be the least of your worries.

Saves You from Financial Ruin

A single hospitalization incident can wipe out your entire life savings. Moreover, you might need to borrow more money to fund your treatment. All this can spell financial ruin for your family; therefore, to avoid falling into debt and facing financial struggles, you must have additional coverage just in case you need it.

Free

These days it’s essential to be aware of your health as lifestyle diseases like hypertension and diabetes are pretty standard and can go undiagnosed. They can give rise to other health complications. Therefore, being aware of your medical condition is the best way to ensure that you are in the pink of your health. By buying top-up health insurance, you get free annual health checkups to stay on top of your health.

Coverage for Pre & Post-Hospitalization Expenses

Top-up health insurance offers complete coverage for pre & post-hospitalization expenses for up to 30 days and 60 days, respectively. It covers all your expenses related to diagnostic procedures, medicines, blood tests, doctor’s consultations, surgeon’s fees, etc., so you don’t have to spend anything from your pocket on your journey to recovery.

Day Care Treatment is Covered

Many medical procedures don’t require an extended hospital stay, and patients are free to go home in less than 24 hours. Your super top-up insurance plan covers you for a myriad of daycare treatment options. So, you can rest assured knowing that your expenses are still covered even if the hospital stay is less than 24 hours.

Options for Add-ons

Super top-up health insurance plans also allow add-ons that further enhance your coverage by clubbing value-added services and extra services, such as the option of getting a second opinion and alternative treatments. However, this largely depends on your health insurance provider, so ensure that you carefully read the policy terms and conditions before investing.

Now that you know the basics of top-up health insurance, you should have a look at Care Health Insurance’s super top-up health insurance plan, ‘Enhance’, which lets you access all the benefits we discussed and offers comprehensive coverage. They have tie-ups with 19000+ top-tier hospitals across the country, with multiple premium medical institutes on the roster. Moreover, they have an industry-leading 95.2% Claims Settlement Ratio with a strong team of professionals to make the entire process quicker and easier.

Even though buying super top-up health insurance is optional, it’s an add-on cover that you can’t ignore. So, if you have regular health coverage, it’s also best to get super top-up health insurance cover to ensure a stress-free, healthy, and financially secure life!

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