Top-up Health Insurance

Anyone who has gone through a medical emergency will know that it leaves one with no time to think and can easily set you back financially. Hence it is very important to have sufficient health insurance coverage. But how do you know if your cover is sufficient? When you buy health insurance, you roughly estimate the sum insured basis your current needs and the premium to be paid. But it is very possible that you realise in some time that you need higher cover but may not be able to pay a higher premium. At such times, a top-up health plan can be purchased to enhance your health insurance policy’s limit at minimal rates. In simple words, while a regular policy reimburses hospital bills as per the sum insured, a top-up health insurance plan covers the additional expenses after a certain limit is reached. These plans work as an extra cover for your regular health insurance plans. In case you have exhausted the sum insured limit of your health insurance plan, you can claim your top-up health insurance plan to get coverage for the additional treatment expenses.

You can choose from the two top-up plans given below:

How to apply for online top-up health insurance plans

Step 1: Click here to open our online application form.

Step 2: Fill in the application form with basic details such as name, gender, mobile number, date of birth, and residential PIN code for you or the person you want to insure.

Step 3: Now click on ‘Get Quote’ to proceed.

Step 4: From the list of policies shown, choose your preferred top-up health insurance plan by clicking the ‘Buy Now’ button placed under each plan. You can further modify the insured amount, policy term, and plan-type to get a list of policies tailored to your preference.

Step 5: Based on the plan you choose, you may get the option to select the policy term and premium amount.

Step 6: Enter your email ID and check if all personal details shown are correct. Click ‘Next’ to proceed.

Step 7: Enter some additional details, such as height, weight, nationality, marital status, address, and nominee details (if applicable).

Step 8: Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on the ‘Next’ button to proceed.

Step 9: Verify if the previously filled details are correct and click on the ‘Proceed’ button to visit the payment page.

Step 10: Make the payment through net banking, UPI, debit or credit card to buy the policy.

After successful payment, your policy document will be available for you to download instantly. A copy of the policy document will also be mailed to your registered email ID within 5-7 working days.

You will also receive an SMS confirmation immediately after the payment process is completed.

You can also access your policy details through the My Account section within 5-7 days after purchase.

Key features and benefits of top-up health insurance plans

• In-patient hospitalisation treatment coverage

  Policyholders can benefit from financial coverage on charges incurred during hospitalisation for treatments, tests, or other medical procedures. It includes the medical expenses, but the room rent capping depends on the insurance provider.

• Pre and post-hospitalisation coverage

  There are medical expenses involved even before getting admitted to a hospital and in the recovery phase post-discharge from the hospital. These include diagnostics tests, such as angiograms, X-rays, MRIs, medication, investigating processes and more. Top-up health insurance covers all these charges incurred up to 60 days before and 90 days post-hospitalisation.

• Organ donor expenses coverage

  Donors feel reluctant to come forward as they must cover their medical expenses. With a top-up health insurance plan, you can steer clear of this major deterrent. It covers the surgical and medical costs associated with harvesting a critical organ transplant of the insured.

• Emergency ambulance coverage

  You no longer have to pay for emergency ambulance charges if your health insurance does not cover it. With a top-up plan, you get the sum insured as per the insurance purchased.

How to raise a claim against your top-up health plans

Policyholders must keep all receipts arranged chronologically while raising a claim against their top-up health insurance Below is the step-by-step guide to filing a claim with the company:

Cashless claim

Follow the steps to file a cashless claim for treatment at a partner network hospital anywhere within India:

• Look for a partner network hospital in the city where you want to opt for cashless treatment.

• In case of planned hospitalisation, inform the insurer 72 hours before the admission. If an emergency, imitate the same within 48 hours of hospitalisation.

• While going to a partner network hospital, you need to bring the patient’s insurance cashless card or policy details.

• Produce the health insurance cashless card and valid ID proof at the insurance desk of the hospital.

• Collect a pre-authorisation request form available at the hospital, fill it in carefully and submit it to the concerned authority.

• For prompt response, you can fill up the request form online on the official website and inform your insurer.

• Your insurer may take up to 2 hours to review and inform you about the decision via SMS or e-mail. You can check the status of your cashless claim online.

• After completing all required formalities, your insurer will process your claim according to the terms and conditions of your health insurance policy.

Reimbursement claim

Follow the steps to file a reimbursement claim at a partner network hospital anywhere within India:

• You need to inform the insurer within 48 hours in case of any emergency admission. Then pay the charges at the hospital if the insurer has not issued a pre-authorisation.

• Submit all the necessary documents within 15 days of discharge from the hospital.

• Your insurer may approve or reject your claim according to the terms and conditions of your policy.

• Once your claim is approved, the insurer will send you the reimbursement amount through NEFT to your registered bank account.

• If your claim is rejected, your insurer will inform you via your registered contact number and e-mail address.

Adding a top-up health insurance plan can help you enhance your health coverage amid increasing healthcare costs. So, even if you already have an existing individual or group health insurance policy, having a top-up health plan along with them makes perfect sense.