25L Super Top-up Health Insurance

Consider this. You did all the necessary research and purchased a health insurance plan. Unfortunately, there was a need for hospitalisation and all your sum insured got used up! Whoa, this can be scary. But, don't worry, a Super Top-up Plan comes in handy during such situations. Read ahead to know how a Rs. 25 Lakhs Super Top-up Policy can be helpful to you.

Super Top-up Health Insurance Plans are specific health plans that you can buy with or without primary health insurance coverage. Such plans offer coverage beyond the chosen deductible amount. 

The 25 Lakhs Super Top-up Health Insurance works similar to a regular health insurance policy. However, there is one major difference between a standard health plan and a Super Top-up plan. While buying a Super Top-up plan, you must set a deductible. People usually set it to match their current health plan. But having an existing health insurance policy is not necessary to buy the Super Top-up Plan. 

When you need to make a claim, you must pay the bill up to the deductible (either from your pocket or from an existing health plan) that you have set and claim the remaining amount from the Super Top-up Plan. This way, you ensure maximum insurance benefits from the Super Top-up Plan.

People who belong to high-risk groups benefit the most from the 25 Lakhs Super Top-up Health Insurance. Older people and those with medical histories, particularly those with serious illnesses, should ideally buy a Super Top-up Plan. Additionally, this health insurance plan is helpful when a certain medical issue, such as hereditary disorders, runs in the family.

People who have purchased a health plan with a lower sum insured may also find it helpful to purchase Super Top-up Plans. They can use it as a backup to their current health plan. So when the hospital expenses exceed the sum insured threshold of the primary plan, they can claim the Super Top-up Plan as per the set deductible. 

It is possible to quickly raise a claim against your 25 Lakhs Super Top-up Health Insurance. There are two ways to raise a claim: cashless claim (available at a network hospital) and reimbursement claim (get the amount reimbursed from us after treatment).

Here are the basic steps to raise a health insurance claim from ACKO.

Step 1: Log in to your ACKO account.  

Step 2: Open your health insurance plan and click "Claim".

Step 3: Answer a few questions and upload the necessary documents.

We will contact you for further processing of 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.