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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.
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.
|List of TOP UP Health Insurance Policy Companies in India|
|Star Health and Allied insurance Co Ltd.||Apollo Munich Health Insurance Company Limited.||HDFC ERGO General Insurance Co Ltd.|
|Bajaj Allianz General Insurance Co Ltd.||ICICI Lombard General Insurance Co. Ltd.||Reliance General Insurance Co Ltd.|
|National Insurance Co Ltd.||The New India Assurance Co Ltd.||The Oriental Insurance Co. Ltd.|
|United India Insurance Co Ltd.||Future Generali India Insurance Company Ltd.||Cigna TTK|
|Iffco Tokio General Insurance Co Ltd.||Royal Sundaram Alliance Insurance Co Ltd.||Tata AIG General Insurance Co. Ltd.|
|Cholamandalam MS General Insurance Co Ltd.||SBI General Insurance Company Ltd.||MAX Bupa Health Insurance Company Ltd.|
|Religare Health Insurance Co Ltd.||L & T General Insurance Co Ltd.||Bharti AXA General Insurance Co Ltd.|
|Universal Sompo General Insurance Co Ltd.||Liberty Videocon General Insurance||Shriram General 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.
The following documents are required apply for health insurance claim:
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