United India Super Top Up Medicare Policy

What is the Plan all About?

Super Top Up medicare policy provides additional protection at an affordable cost in the event of high hospitalization cost.This Policy covers aggregate hospitalization costs in regard to all covered hospitalization of insured or insureds during the policy tenure exceeding the Threshold limit up to a Sum Insured mentioned in the contract.

Basis of Payment

Claim under this policy shall be payable under the condition if the covered hospitalization costs surpass the Threshold limit or any amount received/receivable under any other Health Insurance plan/ Reimbursement scheme whichever is higher.

Key Features

Additional protection against medical bills at lowest cost
Cashless Treatment available in more than 7000 hospitals pan India
Available as an individual and family cover
Pre Acceptance Medical Test is waived off upto 45 years under insured’s normal health

Policy Benefits

In Patient Hospitalization Expenses for hospitalization more than 24 hours exceeding the chosen Threshold Limit are covered. Expenses such as Room, Boarding and Nursing Expenses, IV fluids/Blood Transfusion/Injection administration charges, Surgeon fees, Anesthetist, Medical Practitioners, Consultants, Specialist’s fees, etc. are covered.
Expenses for Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical appliances, Medicines & drugs, Dialysis, Chemotherapy, Radiotherapy, cost of Artificial limbs, cost of prosthetic devices implanted during surgical procedure viz. Pacemaker, Orthopaedic implants, etc. are covered as a part of inpatient hospitalization expenses.

Value Added Benefits

Cashless facility in more than 7000 hospitals across Pan India.
Premium paid for this policy attracts tax benefits under section 80D of Income Tax Act.

Sub Limits

Co- Pay is not applicable under this plan.

Waiting Period Clause

Pre existing Disease Waiting Period: This plan has a waiting period of 4 years to cover pre existing diseases.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years, Child: 3 Months Child: 3 Months	Adult: 80 Years Child: 18 Years
Sum Assured	3 Lacs	15 Lacs
Deductible	2 Lacs	5 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-