Universal Sompo Health Insurance Top-up & Super Top-up Plans

A top-up policy allows the policyholder to make a claim that exceeds the deductible amount as well as the sum insured of the base health insurance plan in case of a single hospitalisation. Under a top-up policy, all claims are treated individually and multiple claims are not aggregated. The deductible is the threshold limit specified in your policy.

Whereas a super top-up policy allows the policyholder to avail claim for cumulative medical expenses during a policy year when it exceeds the deductible and sum insured of the base health insurance plan. Simply put, a super top-up policy kicks in when multiple claims from all the members exceed the deductible limit.

Super Healthcare Insurance Policy

Super Healthcare Insurance Policy offers the policyholders additional coverage for extra security at an affordable premiums. The policy comes in several variants under Top-Up and Super-Top Up plans. These include Plan 1, Plan 2, Plan 3, and Gold, Diamond, and Platinum, respectively. The sum insured options are available for up to Rs. 1 crore and deductible options range between Rs. 50,000 to Rs. 40 lakh.

Key Benefits of Super Healthcare Insurance Policy

Super Healthcare Insurance Policy covers the insured for sum insured options ranging between Rs. 1 lakh to Rs. 1 crore. It can cover up to 16 relationships and can be purchased for 1 year, 2 years, or 3 years, as per the requirement of the policyholder. Other benefits that the policy offers the insured are listed below:

• No medical test up to 65 years
• Worldwide coverage option
• 20% No Claim Bonus for every year a claim is not made
• Free restoration of sum insured
• Wellness program-reward to reduce the renewal premium
• Tax benefits under Section 80D of the Income Tax Act, 1961

Who Can Buy This Plan?

People aged between 18 years and 80 years can buy Super Healthcare Insurance Policy.

Waiting Period Under the Plan

Super Healthcare Insurance Policy comes with an initial waiting period of 30 days. Specific waiting periods and waiting periods for pre-existing disease vary from variant to variant.

Renewability of the Plan

Super Healthcare Insurance Policy offers lifetime renewability benefits to the policyholders.

Exclusions Under the Plan

Super Healthcare Insurance Policy does not cover the insured for the following expenses:

• Self-inflicted injuries
• Hazardous or adventure sports
• Change of gender treatments
• Expenses incurred on unproven treatments
• Treatment of obesity or cosmetic surgery