Top Up Health Insurance Plans are what you can turn to when you feel you want something more from your medical insurance policy. Our Top Up plans, while supplementing your primary health insurance cover at a low cost, it also comes with a host of attractive additional benefits.

Our plans offer benefits that suit your needs with no room rent restriction, no sub limits, and the option of lifelong renewability.

Need for Top Up Health Insurance

While some of you may be able to self-finance your healthcare costs when need arises; others feel satisfied with their existing insurance cover. But what if the illness is way too critical and expenses tower beyond what you ever imagined or could afford? Considering the growing medical inflation, you sure don’t want that extra burden turning your world upside down. Which is why you need a Top Up health insurance for you and your family.

What it Covers?

  1. In-Patient treatment - Hospital stays can be disheartening but we make everything easy and comfortable.
  2. Pre-hospitalization - Before hospitalisation, there are expenses towards doctor consultations, check-ups, and prescriptions.
  3. Post- hospitalisation - Get full coverage of expenses incurred on doctor consultations, rehabilitation charges etc. till 90 days after hospitalisation.
  4. Day Care procedures - Get full coverage up to sum insured on medical procedures that take up less than 24 hours.
  5. Organ Donor - For a noble deed as organ donation, we cover the organ harvesting expenses caused to the donor.
  6. Emergency Ambulance - Absence of timely help can prove fatal. Our policy pays transportation expenses to help reach the nearest hospital if the insured encounters life-threatening injuries.

What it does not cover?

  1. Adventure sport injuries - Adventure sports can give you an adrenaline rush, but when coupled with accidents, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.
  2. Self-inflicted injuries - You might think of causing injury to your precious self, but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.
  3. War - War can be disastrous and unfortunate. However, our policy does not cover any claim that are caused due to wars.
  4. Participation in defence operations - Our policy does not cover accidents while you are participating in defence (Army/Navy/Air Force) operations.
  5. Venereal or sexually transmitted diseases - We do understand the criticality of your disease. However, our policy does not cover venereal or sexually transmitted diseases.
  6. Treatment of obesity or cosmetic surgery - Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.