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top up/ super top up over corporate policy

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03 Sep, 2023 by  Naman Kabra

How does Top up and super top up work in case of a corporate policy of Floater Mediclaim coverage of INR 5 Lakhs, Plus Additional floater Mediclaim policy of INR 5 Lakhs.

Will everything in the base policy apply to a Top Up / Super Top Up policy as well ?

Health Insurance

1 Answer

12 Sep, 2023

Hello Naman,

Top-up and super top-up plans activate and start paying when your hospitalization expenses surpass the "deductible'.

  • For a top-up plan, the "deductible" is based on each individual hospitalization event, meaning it pays out only when a single hospitalization cost exceeds the deductible.
  • On the other hand, in a super top-up policy, the "deductible" is calculated by summing up all your hospitalization costs over a policy year. When the total cost of hospital admissions exceeds this deductible, the super top-up policy begins to pay.

And, not everything covered by the base policy will apply to a top-up and super top-up policy. These are separate covers with distinct terms and conditions. Therefore, the coverage limits may differ between the base policy and the top-up and super top-up plans.

Hope this helps. Thank you!

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