Top Up Health Insurance Plan

Simplify your financial security. Our top-up plan provides extra protection when you need it, allowing you to focus on recovery, not finances

Covers medical expenses for in-patient hospitalisation beyond the voluntary aggregate deductible limit as per the policy terms

Avail high sum insured options at relatively lower premiums than regular health insurance policies

This policy is applicable for up to 80 years of age (as per policy terms)

No pre-policy medical tests up to the age of 55 years

*For an individual within age group of 0-20 Premium Starts at INR 1783 annually which is about INR 5 per day

Coverage for the cost of in-patient hospitalisation (including room rent type choices), all types of day care procedures, and surgeries

Pre-hospitalisation expenses (up to 60 days) and post-hospitalisation expenses (up to 90 days) are covered as per policy terms

Medical expenses incurred in undergoing treatment using modern and advanced procedures and technologies

Medical expenses for an organ donor's in-patient treatment during organ harvesting are covered, provided the insured is the recipient of the donated organ

Coverage for Ayurvedic, Yoga, Unani, Siddha and Homeopathic (AYUSH) treatment on a doctor's advice for treating illness or body injury

Medical expenses related to delivery of baby and the treatment of the new born are covered under the selected plans

Get the coverage for an emergency need of ambulance when in need

Option to cover your family members under shared SI in case of a floater plan or separate SI in case of an individual plan

Please read policy wording for detailed terms and conditions

Treatment expenses during the first 30 days except for treatment of accidental injuries7

Treatment expenses for pre-existing diseases, including diabetes, asthma, and thyroid, during the pre-defined, continuous waiting period of 12 months

Expenses incurred during treatment of certain illnesses, including cataract, knee-replacement, hernia, gout, and endometriosis, for the pre-defined, continuous waiting period of 12 months

Coverage for maternity treatment for a pre-defined, continuous waiting period of 12 months

Cost of diagnostic procedures and medical evaluation unrelated to the current diagnosis or treatment

Cost of supplements that are purchased without a prescription by a certified doctor as a part of treatment, including vitamins, minerals and organic substances

Treatment to change appearance unless it is for reconstruction required for a medically essential treatment or following an accident or burns

Medical expenses incurred as a result of self-harm, illegal actions, hazardous activities, etc.

Part of the claim will by you (the policyholder ) if you have opted for Deductibles or Copay

Covers the expenses for the treatment of correction of eye sight due to refractive error less than 7.5 dioptres

Expenses related to sterility and infertility are not covered as per the policy terms

Expenses related to reversal of sterilization procedures like vasectomy reversal and tubal litigation are not covered

Please read policy wording for detailed exclusions

Covers cost of consumable items (e.g., gloves, syringes, bandages) used during treatment up to the sum insured limit

Coverage for in-person or online doctor consultation, dental wellness, diet & nutrition consultations as per the chosen plan

Senior citizens can avail emergency assistance with services such as SOS alert, doctor on call, and 24x7 ambulance service

Covers expenses incurred for rapid ambulance transportation to the nearest hospital in an airplane or helicopter from the first incident site of illness or accident during policy period

Please refer prospectus of above add-ons for more details