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Super Top Up Cover with Non Payable items coverage

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With a solid medical care plan in place, a person should be well prepared for any form of medical emergency that may arise. Some plans offer a substantial amount of compensation, while others do not. If a medical care plan does not provide a substantial quantity of monetary compensation, a super-top-up plan can help supplement the amount of compensation. Bajaj Finserv's Super Top Up Cover offers the benefit of top-up insurance with a sum covered of Rs. 20 lakh. By boosting the amount of compensation paid, this plan can be a lifesaver during difficult circumstances.

Plan Details

Sum Insured (Rs.) 20,00,000 20,00,000
Deductible (Rs.) 3,00,000 2,00,000
Family Combinations Premium Including GST (Rs.)
1 Adult 2,074 3,191
1 Adult 1 Kid 2,489 3,829
1 Adult 2 Kid 2,800 4,308
2 Adults 2,800 4,308
2 Adults 1 Kid 3,173 4,882
2 Adults 2 Kids 3,484 5,361
2 Adults 3 Kids 3,796 5,839
2 Adults 4 Kids 4,107 6,318

Eligibility: Individuals between the age of 18 and 65 years can avail of this plan. The age is taken as on the last birthday.

Plan Validity: The plan is valid for a tenor of one year.

Deductible means a cost sharing requirement under a health insurance policy that provides that the insurer will not be liable for a specified rupee amount in case of indemnity policies and for a specified number of days/hours in case of hospital cash policies which will apply before any benefits are payable by the insurer. A deductible does not reduce the Sum Insured.

What's covered?

  • Money-in-bank

    Benefits available

    Under this scheme, if during the Policy Year, the Insured Person suffers an Illness/ Injury and that Illness/ Injury solely and directly results in the Hospitalization the expenses will be paid towards following situations, up to Sum Insured. 

    • In-patient Hospitalization – Sum Insured Rs. 20 Lacs covers hospitalization expenses up to the Base Sum Insured. Room under hospitalization would be limited Up to Single Private Room.
    • Day Care Treatment - Day Care procedures will be covered up to the base sum insured under the policy. The cover is a part of the Base Sum Insured.
    • Pre Hospitalization - covers medical expenses up to 60 days before hospitalization. The cover is a part of the Base Sum Insured.
    • Post Hospitalization - covers medical expenses up to 90 days after hospitalization. The cover is a part of the Base Sum Insured.
    • Road Ambulance Cover (per event) - Covers expenses towards road ambulance charges up to a maximum of Rs. 2,000/- per hospitalization. The cover is a part of the Base Sum Insured.
    • Domiciliary Hospitalization Cover - Covers medical expenses towards Domiciliary Hospitalization up to the base sum insured under the policy. The cover is a part of the Base Sum Insured.
    • Donor Expenses Cover - Covers In-patient Hospitalization Expenses of Donor up to base sum insured under the policy. The cover is a part of the Base Sum Insured.
    • Non-Payables Cover –Covers expenses towards Non-Payables up to 25,000, to base sum insured under the policy. The cover is a part of the Base Sum Insured.

    Waiting Period 

    Waiting Periods Details

    Period

    Pre Existing Disease Waiting Period

    2 Years

    Specified Disease/Procedure Waiting period

    2 Years

    Initial Waiting Period for Hospitalisation

    30 Days

    Other Details 

    Policy Tenure

    1 Year

    Cover Type

    Individual & Family Floater

    Relationships Allowed

    Self, Spouse, Son, Daughter

    Age (Min-Max)

    1. Individual - 18 to 65 yrs.

    2. Family - Adult above 18 yrs., Dependent children - 91 Days up to 25 years

    Specified disease/procedure Waiting period

    A Waiting Period, since the Inception Date of the cover, specified in the Policy Schedule/Certificate of Insurance shall apply to any treatments, of the following, whether medical or surgical for all Medical Expenses along with their complications on treatment towards:

    a) Cataract,

    b) Hysterectomy for Menorrhagia or Fibromyoma or prolapse of Uterus unless necessitated by malignancy myomectomy for fibroids,

    c) Knee Replacement Surgery (other than caused by an Accident), Non-infectious Arthritis, Gout, Rheumatism, Osteoarthritis and Osteoporosis, Joint Replacement Surgery (other than caused by Accident), Prolapse of Intervertebral discs (other than caused by Accident), all Vertebrae Disorders, including but not limited to Spondylitis, Spondylosis, Spondylolisthesis, Congenital Internal,

    d) Varicose Veins and Varicose Ulcers,

    e) Stones in the urinary urogenital and biliary systems including calculus diseases,

    f) Benign Prostate Hypertrophy, all types of Hydrocele,

    g) Fissure, Fistula in the anus, Piles, all types of Hernia, Pilonidal sinus, Hemorrhoids and any abscess related to the anal region.

    h) Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis and related disorders, Surgery on tonsils/Adenoids, Tympanoplasty and any other benign ear, nose and throat disorder or surgery.

    i) Gastric and duodenal ulcer, any type of Cysts/Nodules/Polyps/internal tumours/skin tumours, and any type of Breast lumps (unless malignant), Polycystic Ovarian Diseases,

    j) Any Surgery of the genito-urinary system unless necessitated by malignancy.

    Note: If these diseases are Pre-Existing Diseases at the time of proposal or subsequently found to be Pre-Existing Diseases, the Pre-Existing Disease Waiting Periods as mentioned in the Policy Schedule/ Certificate Of Insurance shall apply.

What's Not Covered/Exclusions

*For a full list of exclusions, please refer to the policy wordings.

How to apply?

Applying for the Super Top up Cover requires you to fill in the online application form and pay the premium using your preferred mode of payment. Here is the step-by-step process to complete the purchase.

Step 1: Click on ‘Apply Now’ button and share your basic details in the online application form.

Step 2: Check & Confirm your application by entering the OTP received on your mobile number.

Step 3: Pay the premium via credit/debit card, UPI, mobile wallet, or any other available online payment mode.

How to Apply

Click on ‘Apply Now’ button and share your basic details in the online application form

Check and confirm your application by entering the OTP received on your mobile number

Pay the premium via credit/debit card, UPI, mobile wallet, or any other available online payment mode

You will receive the details of your membership via email/WhatsApp

Claim process

You can raise a claim by reaching out to the insurer via one of the following ways:
  • Insurer’s Email: servicesupport@manipalcigna.com
  • Insurer’s Toll free number: 1800-102-4462

Contact Us

In case you have any queries about coverage, exclusions, or claims, please write to us at wecareinsurance@bizsupportc.com.

Disclaimer - Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Insurance Company. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The above-mentioned benefits and premium amount are subject to various factors such as age of insured, lifestyle habits, health, etc (if applicable). BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage under ManipalCignaFlexiCare Group Insurance Policy, UIN: MCIHLGP20120V011920. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third-party products.

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