Health Insurance - Top Up Policy
High-Deductible Super Top-Up Coverage for High Medical Spends at Nominal Premiums
Health Insurance Top Up Policy (Optima Super Aggregate Top-Up) allows you to enhance your health sum insured at a nominal premium cost. Unlike traditional top-ups, aggregate top-ups calculate cumulative medical expenses over multiple hospitalizations during a policy year.
Ideal for individuals with group employer health insurance or low base sum insured policies. Features a unique conversion benefit to shift into a regular nil-deductible health plan upon retirement or at the 6th policy anniversary, alongside lifelong renewal and family floater options.
Health Insurance - Top Up Policy Details & Add-On Covers
Optima Super Aggregate Features & Conversion
- * Aggregate Top-Up Plan: Aggregates medical bills over multiple hospitalizations in a policy year
- * Nominal Premium cost to secure high medical protection
- * Conversion Option: Convert into a regular (nil deductible) plan at retirement or 6th anniversary
- * Ideal for employees with Corporate Group Cover or low base Mediclaim policies
- * Lifelong Renewal Benefit with single family floater coverage option
Covered Benefits (Exceeding Chosen Deductible)
- * a. In-patient Treatment - Hospitalisation expenses due to illness or accident
- * b. Pre-Hospitalisation - Medical expenses incurred in 60 days prior to hospitalisation
- * c. Post-Hospitalisation - Medical expenses incurred in 90 days after discharge
- * d. Day Care Procedures - Enlisted 144 day-care procedures not requiring 24-hr stay
- * e. Organ Donor - Medical expenses for harvesting organ donated to insured person
- * f. Ambulance Service - Expenses up to Rs. 2000 per hospitalisation
Key Benefits & Highlights
What Is Covered Under Health Insurance - Top Up Policy
- Inpatient Hospitalization Expenses Exceeding Deductible Limit
- 60 Days Pre-Hospitalization & 90 Days Post-Hospitalization Bills
- 144 Day-Care Surgeries & Minor Procedures
- Organ Donor Harvesting Medical Expenses
- Emergency Ambulance Transport (up to Rs. 2000 per hospitalization)
Why Choose Dattani Insurance for Health Insurance - Top Up Policy?
With over 20 years of risk management experience led by Chief Insurance Advisor Jay Dattani (United India Insurance Co. Ltd.), we prioritize honest, need-based advising over selling generic policies. We guide you through policy comparison, optimal sum insured valuation, and dedicated claim settlement assistance.
Frequently Asked Questions
What is an Aggregate Top-Up Health Plan?
An aggregate top-up calculates total medical expenses accumulated across all hospitalizations in a policy year to cross the deductible, whereas non-aggregate top-ups require crossing the deductible in a single claim.
Can I convert a Top-Up policy into a regular health plan?
Yes, Optima Super provides a unique conversion option to shift to a regular health insurance plan with nil deductible upon retirement or at the 6th policy anniversary.
