As the name suggests, top-up health insurance is an additional health insurance policy that can be combined with your existing health insurance plan. Top-up policies help you in having a financial backup for medical expenses that are beyond your regular health plans at affordable rates.
Here are some of the key features and benefits offered under the top-up health insurance plan:
The plan offers coverage against medical expenses incurred during hospitalisation. Additionally, the room rent capping depends on the insurer chosen.
Top-up plans offer coverage for medical expenses incurred up to 60 days before hospitalisation.
Top-up plans offer coverage for medical expenses incurred up to 90 days after hospitalisation.
In case the insured needs an organ transplant, the expenses of organ donor’s treatment are also covered under the top-up plans.
Emergency ambulance costs are covered under the plan. The sum insured under this benefit depends on the insurance purchased.
Here are some of the conditions that are not covered under the plan:
Top-up health insurance plans will not cover self-imposed injuries.
Any injury or accident with a civilian during an ongoing war is not covered under top-up health insurance.
The insurance plan does not cover the injuries while participating in any defense operation such as Navy, Army, or Air force.
Sexually transmitted disease such as AIDS is not covered under health insurance plans.
Top-up health insurance plans do not cover the expenses of any cosmetic surgery or obesity treatment.
Top-up plan health insurance from Bajaj Finance is the best to choose because it offers some of the following unique features:
Secured over one crore lives
The company constantly works to make health insurance more accessible, affordable, and more reliable for the policyholders.
Get emergency support seven days a week, 9 am to 8 pm for any query.
Transparency at every step
The company has a transparent process where every aspect is discussed with the policyholder.
With the seamless online facility, we enable an easy and simple online application that requires minimum documentation.
While raising a claim under top-up health insurance, one must keep all receipts and bills arranged chronologically. Here are a few steps to raise a claim with your insurer:
For cashless claim:
You can avail of the benefit of cashless treatment at partner network hospitals anywhere in the country. The procedure to file a claim is as follows:
Here are the steps you can follow to easily apply for the top-up health insurance plan with us:
Step1: Click the ‘Apply Now button at the top
Step2: Fill in the online application form with your personal and click on the ‘Submit’ button
Step3: A Bajaj Finance representative will get in touch with you to discuss the available policies and receive necessary documents
Steps4: Receive your top-up health insurance within few hours.
The top-up health insurance plans are the backup plan in addition to your health insurance policy. A standard health policy will cover hospitalisation expenses, but the top-up health insurance will cover the additional expenses. For example, if you have health insurance of Rs. 5 lakh, but you need more than the amount due to a medical emergency, then the top-up plan will cover the extra amount.
Top-up and super top-up plans are planned to give extra health insurance coverage over and above the existing health insurance plans in any medical emergency. The top-up plans are generally offered to cover the additional expenses till the threshold limit. The super top-up plan is somewhat like the top-up plan, except it covers all the expenses of hospitals beyond the threshold limit of the insured amount.
The deductible amount in the super top-up plan is the primary amount you pay before you get the benefits of the top-up plan. The insurance company will pay only once the claim exceeds the deductible amount. For example, if you have a super top-up plan for Rs. 20 lakh, and the deductible amount is Rs. 2 lakh. In case of a claim of Rs. 5 lakh, the company will deduct Rs. 2 lakh and pay Rs. 3 lakh.
Bajaj Finance offers the following benefits under the top-up health insurance plans: