PolicyandFunds.com we are one of the leading Top Up Health Insurance Policy Agent in Chennai, India. We are helping to choose perfect Top Up Health Insurance Plans / Mediclaim Policy to our clients.

Top Up / Super Top up Health Insurance Plans in India?

In our day to day life everything that we use needs a spare. If the one that we use gets exhausted, we try use the spare ones. Similarly, we also need a spare for our health insurance plan if it gets exhaust. Generally, we will be able to spend the amount up to a limit that we have insured. Here plays the role of top up plan that it will help us to cover the costs after certain limit is reached.

Top up policy is not a single plan rather it’s an additional plan coverage for people who have already been using the individual health plans or mediclaim. If the actual cost spend exceeds the existing plan limit, then we can use the top up plan to help us.

Let me explain you briefly on the describing a situation. Suppose let’s consider that a person has a Rs. 5 lakh coverage. If you need a huge amount for an emergency spend then he will be thinking to opt for another Rs. 5 lakhs policy which is not a wise idea and also its an expensive one. In this situation I would suggest that he can go for a Top up plan of Rs.5 lakhs which will cost less than the individual plan premium in a month.

In a nutshell I would like to say that if you are in an idea of increasing your health plan coverage then always go for Top Up plan. It is not necessary to take a top up plan only if you have an individual health policy but it is always a good idea to have a top up plan with reimbursement policy. This is to reduce your expense on your health plans.

Top Up Health Insurance Policy Coverage

• In-patient treatmentDay care treatments
• In-patient AYUSH treatment
• Donor expenses
• Pre and post hospitalisation
• Domestic road emergency ambulance cover
• Relationships covered
• Individual and Floater cover for the family
• Lifetime renewal guaranteed
• Floater option: Covers up to 2 Adults and 3 Children under the same single policy
• Eligibility: Children age 3 months – Maximum entry age no restriction
• Pre-existing diseases: covered after 2 years
• Tax Benefit: section 80D of Income Tax act
• Cashless Hospitalisation
• Pre-policy medical checkup: No medical tests will be required
• Free look period: 15 days of receipt.
• Domiciliary Hospitalisation Cover
• Claim Service Guaranteed

Steps involving to register Your Top Up Health Insurance Plans Claim with Health Insurance company

First Step: Complete details about Doctor advises of treatment or hospitalisation.

Second Step: Register your claim with the Health insurance company.

Third Step: For Cashless Claim – May Visit Network Hospital for the treatment. (Or) Can Reimbursement the Claim –  Treatment taken at the Non linked network Hospital.

Fourth Step: Cashless Claim –  Contact to avail the cashless treatment TPA or In-House Claim of health insurance company, this process generally will followed by the Hospital Insurance Help Desk for arranging cashless treatment.

Reimbursement Claim – Once treatment have taken Submit your documents within 15 days of discharge from the hospital for reimbursement.

Intimating the claim keep ready with the below Documents

• Current Health Insurance Policy Number
• Contact details of Insured / Claimant
• Name of Insured person or claimant person, who is admitted for hospitalised
• Intimate the information when register the claim relationship of insured with the patient person who is admitted for treatment.
• Name of the hospital admitted for treatment
• Person admitted what nature of ailment
• Information of date & time of accident if that is accident case
• Where the accident happened if that is accident case  

Top Up Health Insurance Policy Reimbursement Claim Process

Documentation are Required:

The following documents are required apply for health insurance claim:

• Which is Duly filled claim form by the proposer
• Treating Doctor signed Medical Certificate.
• Complete Discharge summary.
• Complete bills and receipts which is original
• Prescription of medicine and cash memos from the treated hospital pharmacies.
• Report of investigation
• For accident case, the FIR or Medico Legal Certificate (MLC) is required.

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