Health Insurance Top up PlanBoost your health coverage today!
Our super top-up plan, MediCare Plus, is a pocket-friendly health companion you can always rely on. MediCare plus offers additional health benefits over and above your regular health insurance plan. Super top-up plans are crucial as they provide you with coverage after you’ve maxed out the claims against your regular health insurance policy. But that isn’t the only reason why they’re a good idea.
When you make claims against your base health insurance policy, each claim amount needs to be more than the deductible amount. With a super top-up, you can benefit from aggregate deductibles. This means that the total amount of all the claims you make in a policy year should be more than the deductible amount. On the other hand, regular health insurance policies have a deductible against every claim you make.
Range of benefits: Indemnity based health insurance cover with range of benefits without any sub-limit unless otherwise mentioned.
Network of hospitals: We are equipped to offer you health care with our network of 6200+ hospitals across India.
Lifelong renewal: We offer you a lifelong renewal for your policy provided premium is paid without any break. Your premiums will be basis the age, sum insured, deductible and plan. Your renewal premium will be basis your age on renewal and there will be no extra loadings based on your individual claim.
Global Cover (Optional Cover): We will cover Medical Expenses of the Insured Person incurred outside India, upto the sum insured in excess of deductible provided that the diagnosis was made in India and the insured travels abroad for treatment.
Consumables Benefit: We will pay for expenses incurred, for consumables which are listed in ‘Items for which optional cover may be offered by insurers’ under ‘Guidelines on Standardization in Health Insurance, 2016’, which are consumed during the period of hospitalization directly related to the insured’s medical or surgical treatment of illness/disease/injury.
Cumulative bonus: 50% increase in cumulative bonus for every claim free year In the case a claim is made during the policy year, the cumulative bonus would reduce by 50% in the following year.
Tax Benefit: The premium amount paid under this policy qualifies for deduction under Section 80D of the Income Tax Act.
Aggregate Deductible: All claims under the policy benefits shall be payable only if the aggregate of covered medical expenses, in respect to hospitalizations in a policy year is in excess of deductible specified in policy schedule. In case of family floater policy, the deductible shall be per policy per year and in case of individual policy, the deductible shall be per insured person per year