10 Lakhs Super Top-up Health Insurance Plan

Buying a standard health plan may not be sufficient in a situation where you need frequent medical care. Here, you must create a backup that helps reduce out-of-pocket expenses and pay for expensive treatment. Super Top-up health plans provide this backup. In this article, we will shed light on what we offer under our 10L ACKO Platinum Super Top-up Health Insurance Plan. Read on to learn more.

ACKO Platinum Super Top-up Health Insurance Plans are specialised health insurance plans that can be purchased with or without primary medical insurance coverage. These insurance policies provide coverage above the selected deductible. 

The Ten Lakhs Super Top-up Health Insurance functions like a standard health insurance policy, but there’s one significant difference between a basic health plan and a Super Top-up Plan: while purchasing a Super Top-up Plan, you must specify a deductible. It is usually set to match the person's current health plan. However, having an existing health insurance coverage is not required to purchase the Super Top-up Plan.

If you have to make a claim, you must pay the bill up to your deductible (from your own pocket or from an existing health plan) and then claim the remaining balance from the Super Top-up Plan. This ensures that you receive the maximum claim amount from your Platinum Super Top-up Plan.

Buying 10 Lakhs Super Top-up Health insurance is an excellent way to safeguard your savings during medical emergencies. The table below highlights the policy's key features. Please refer to the applicable policy wordings for specific and detailed information.

The 10 Lakhs Super Top-up Health Insurance Plan is particularly beneficial to people in high-risk groups. Seniors and those with a medical history, especially of serious illnesses, should purchase a Super Top-up Plan. Moreover, this health insurance plan is beneficial when a medical condition, such as a hereditary illness, runs in the family.

Super Top-up Plans may also benefit people who have a primary health plan with a lower sum insured amount. Here, such individuals can use the Super Top-up Plan as per the specified deductible when the hospital charges exceed the primary plan's sum insured limit.

You can easily submit a claim against your 10 Lakhs Super Top-up Health Insurance Plan. There are two methods for submitting a claim: a cashless claim (can be availed at a network hospital) and a reimbursement claim (pay the hospital bill first and then raise a claim).

Here is the basic process for filing an ACKO health insurance claim.

Step 1: Access your ACKO account through your phone or our website.

Step 2: Click on your Super Top-up Plan and click on “Claim”.

Step 3: Answer questions related to your claim and then upload the necessary documents. We'll get in touch with you to finish processing your claim.

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.