A health insurance coverage will cover the costs of any medical care that you may require in the future. A standard medical insurance policy provides coverage for a sum covered up to a specified level. If you suffer medical expenditures that exceed the set limit, your main insurance coverage will not pay for them. It is at this point that having a super top-up policy becomes critical. It provides additional protection for you (the insured) over and beyond your existing main insurance policy. It might be medical insurance provided by a company or any other group, or it could be personal health insurance provided by an individual.
After you have exhausted the amount protected under your current health insurance policy, or if the amount is insufficient to cover your claim, the super top-up policy kicks in.
What are Top-Up Health Insurance Plans, and how do they work?
The term “top-up health insurance plan” refers to a program that provides more coverage, often over and beyond the existing available maximum, while charging reduced premiums. It may be thought of as a safety net that protects you in the event that you go over a specific limit. In a typical health insurance policy, the insurer compensates the amount that an individual is covered for; nevertheless, there may be instances in which the expenditures surpass the amount that the individual is insured for, in which case a top-up plan is utilized.
What is a Super Top up Health Insurance Plan, and how does it work?
You can pick the best health insurance plan for you and your family.
When it comes to the execution of a top-up insurance policy, there are several disadvantages that may be overcome by purchasing a super top up health insurance policy instead. Instead of paying solely when the threshold limit on a normal policy is surpassed on a single hospitalization, a Super Top-up plan pays if the threshold limit on such a regular policy is exceeded on numerous hospitalizations.
What is the procedure for super top up health insurance?
As previously stated, the super top up health insurance policies operate on the assumption that you pay the pre-established deductible. Once the deductible has been met from you and your existing healthcare insurance policy, the super top-up policy will cover the remaining portion of the covered sum. The deductible could be paid over a period of time rather than as a lump sum, and you can file several claims within the super top up health insurance period. To know more, click here and get the detailed information.
What is the process for filing a claim for the Super Top up Health Insurance?
Reimbursement claim
A reimbursement claim is filed when you’ve been treated but did not get compensation from the provider. By submitting this claim, you will be reimbursed for the amount you have claimed. The best method to accomplish this is to notify your insurance provider as immediately as you are admitted to the hospital. It is possible to file a claim either online through the insurance company’s website or by sending an email. It is your responsibility to ensure that you present the super top up health insurance provider with all invoices and papers pertaining to your hospitalization within a set amount of time after being discharged. The insurance provider will next investigate your claim and issue reimbursement in accordance with its policies.
Claims without the use of cash
In order to receive cashless treatments, you must be admitted to a network hospital. The cashless request form can be obtained at the hospital helpdesk by displaying your e-health card to the staff. If everything is in order, your claim will be handled right there and then.
