The CAGR for the hospital sector in India has been growing by almost 17% during the FY 2022 period. This spike in medical expenses has led the common man to prefer super top-up plans to add extra cushioning to their existing medical insurance safety net. This article lists the advantages of buying super top-up health insurance plans in India. 

Super Top-up Health Insurance Benefits:

Learn about how a super top-up helps you get the extra health security cushioning while keeping your budget in place with these benefits:

1. It Covers Additional Hospitalisation Charges

A super top-up plan comes into play when you exhaust the sum insured limit of your health insurance. The super top-up plan covers most of the hospitalisation expenses, including room rent, expenses for nursing service, OT charges, ICU charges, doctor’s consultation fees, charges for blood or oxygen, charges for anaesthesia, etc. The policy document will clearly state all of the in-patient expenses that will be covered. 

2. It Covers Daycare Treatment Charges

Not only do super top-up health insurance plans in India cover in-patient expenses, but they also cover the expenses of certain pre-specified daycare treatments. Daycare treatment refers to procedures that involve less than 24 hours of hospitalisation. The expenses incurred for such minor treatment are well-covered under super top-up plans.

3. It Covers Advanced Treatments

In addition to in-patient and daycare treatment expenses, a super top-up health insurance plan covers the expenses for advanced treatments involving the use of the latest technology. It helps insured members to access expensive treatment without burdening their budget. 

Some of these advancement treatments covered by the best super top-up plans in India include oral chemotherapy, stem cell therapy, balloon sinuplasty, deep brain stimulation, robotic surgeries, immunotherapy, intraoperative neuromonitoring (IONM), stereotactic radio surgeries, uterine artery embolisation, etc.

4. It Covers Pre and Post-hospitalisation Expenses

Super top-up health insurance plans cover expenses incurred before and after the hospitalisation. In the former case, medical expenses incurred during the 30 days prior to hospitalisation are covered. The latter covers expenses incurred 60 days immediately after hospitalisation.

5. It Covers Organ Donor Costs

With comprehensive coverage, super top-up offers one of the most crucial medical benefits of organ donation. The best plans cover the expenses incurred by the organ donor during an organ transplantation surgery.

6. It Covers Daily Care Expenses

Medical treatment isn’t always restricted to a hospital. Sometimes, even after hospitalisation, constant daily medical care is required at home. Such care involves numerous doctor consultations meetings with different specialists, surgeons, etc. All of these expenses are also covered by the super top-up health insurance plans in India. Additionally, they also provide access to free healthcare helplines, health risk assessments, health and wellness offers, etc.

7. It Covers Costs for Expert Opinions

Expert opinions are expensive. However, they are vital in charting out an effective medical treatment plan. A super top-up health plan empowers policyholders to receive expert opinions without worrying about the expenses involved.

8. It can be Cancelled within Time

The best super top-up insurance plans in India can be easily purchased, claims can be made through simple steps, and this simplicity of proceedings also extends to cancellation if the need ever arises. The company should be given prior notice of cancellation within 15 days from the date of policy issuance. In the event that no claims have been made under the policy, the policyholders are eligible for a refund of the premium for the unexpired period of the policy. 

Choosing the Right Health Insurance Plan

Whether you are looking for standard health coverage or a top-up to enhance the base plan, you need the right insurance to meet your healthcare needs. One of the leading health insurers, Care Health Insurance offers wide-ranging health insurance plans, including family floater health plans, senior citizen health covers, super top-up health insurance, and others. So, pick the right coverage for yourself and your family from one of the most trusted health insurance companies.