My Health Medisure Super Top-up

Tensed? For what? Oh for protection and well being of your and your family members well being?  

Then, keep your tension aside as, we are here the my: Health Medisure Super Top-up Policy Plan for your rescue.

My : Health Medisure Super Top-up Insurance Policy Plan

May your health always be at your best but no problem knocks at your doors with prior note, and there are times when your pre existing health insurance policy plan does not stand enough to handle the health issue alone. Agreed? And so, in those situations do not let these ever rising medical costs keep you tensed for all the expenses that might knock you and your family. With my:health Medisure Super Top-up, secure the seats of peace and coverage. Having this top-up in your bag ensure the best and world class of medical treatment and attention with no restrictions and limitations at all.

1. Binds the family in 1 Secure Bond

The top up plans understand that the list of your loved ones is never ending.  That is why they provide health protection covers for you, your parents, in-laws, niece, nephew, spouse and also your kids.

2. Constant premiums from Age 61

With the my: Health Medisure Super Top-up Plans, choose to make your old school and full of hassle premiums methods to the peaceful ones. Now, pay the constant premiums after the age of 61 years and enjoy the best of health covers with a brand which is trusted by millions in the crowd.

3. No health checkups upto Age 55

Humans always love to secure their health with out any tension and hassle of health check ups. This keeps safe and secure your valuable time and keeps your your and your family’s health is always on the top with an all-encompassing cover, no matter what.

4. Pay less, Get more

It is always recommended to go for a long term policy of 2 years and be eligible to receive a 5% discount on the premium. If you wish to cover a family of more than 2 members on individual Sum Insured basis, then you can avail 10% discount.

What’s included?

1. In patient Hospitalisation

Hospitalisation is always a testing phase in each and every individual’s life. With my: Health Medisure Super Top Up Insurance Plan, you are safe and secure with the full coverage upto the sum insured without any sub-limits.

2. Pre and Post Hospitalization

Pre and post hospitalisation both are the extreme critical phases in life and it might be ignored due to the minimal financial back-up. With this plan in your cart, get full fledged uncompromising health care.

3. Day Care Procedures

With the ever rising technological advancement around the world, some of the most advanced surgeries and treatments are also covered under the day care facility now. It is done basically to ensure the best of services for you and your family when it comes to treatment and care.

What’s not included?

1. Adventure sport injuries

Adventure sports can give you a sudden and drastic adrenaline rush, but when it is coupled with accidents, these can be hazardous too for your life. The my: Health Medisure Super Top-up Policy does not cover accidents which you might hit up with while participating in any of the adventure sport activities.

2. Self-inflicted injuries

There are times when you end up causing injury to your own precious self, but do remember, that my: Health Medisure Super Top-up Policy Plan does not cover these activities and the team always want you to stay safe and lively.

3. War

War is one of the most disastrous and unfortunate event in the human life. However, the my: Health Medisure Super Top-up Policy Plan do not provide and approve any claim that are up due to wars.

4. Participation in defense operations

The my: Health Medisure Super Top-up Policy Plan does not provide coverage for the accidents that you encounter while you are participating in defense (Army/Navy/Air Force) operations.

5. Venereal or sexually transmitted diseases

The my: Health Medisure Super Top-up Policy Plan completely understands the criticality of your disease. However, the policy plan does not provide protection for the venereal or sexually transmitted diseases.

6. Treatment of obesity or cosmetic surgery

The treatment of obesity or cosmetic surgery is strictly not eligible for coverage under the top up insurance policy plan.

Understanding the “Deductibles”

1. What is Deductible?

The Deductible is the fixed amount which is paid out of pocket by an insured individual for the medical expenses before an insurance company pays the balance cost.

2. What is the Aggregate Deductible?

The Sum Total of all the claims which are incurred by the insured during a policy period is known as the Aggregate Deductible.

3. How does Aggregate Deductible Work?

Just assume that you have bought home a my health Medisure Super Top up Policy Plan with Rs. 3 lac aggregate deductible and 7 lacs Sum Insured. In case during the policy tenure there is one or more than one claim which is exceeding Rs. 3 lacs, then the Super Top up policy plan will pay you the balance amount incurred upto maximum 7 lacs.

Now let us understand how my :health Medisure Super Top up Policy Plan actually work:-

  • Claim 1:- 75,000
  • Claim 2:- 50,000
  • Claim 3:-  1 Lac
  • Claim 4:-  1 Lac
  • Total claims:- 3.25 Lacs
  • Aggregate Deductible as per policy:- 3 Lacs
  • Total Sum Insured:- 7 Lacs
  • Balance Claim payable:-  25000
  • Balance Sum Insured:- 6.75 Lacs

Conclusion

1. Secured Over 1.5 Crore+ Smiles!

Trust redefines relations with customers and consumers each time. The my: Health Medisure Super Top-up Policy Plan consistently strives to make your choosen insurance policy plan easier, more affordable and more dependable. The company believes in keeping their promises, claims are also fulfilled and lives are watered with utmost commitment.

2. All the support you need-24 x 7

The my: Health Medisure Super Top up Policy Plan understands that during the times of distress, instant help is the breath of relief. With the company’s 24 by 7 customer care and dedicated claims approval team, the my: Health Medisure Super Top-up Policy Plan ensures to be your constant support system in times of need.

3. Transparency In Every Step!

Claims are the most integral part of insurance policy plan and the company attach maximum importance to seamless claims process.

4. Integrated Wellness App.

The my: Health Medisure Super Top-up Policy Plan go beyond health insurance, caring for your body along with your precious mind. my:health top up service application will guide and encourage you to lead a healthy lifestyle. Go grab your health card, start tracking your calorie intake, monitor your physical activity and enjoy well-being at its best.

5. Go Paperless!

The team of the top up plan don’t like paperwork either. In this fast developing world, it is the time for you to own your policy online with the minimum documentation and easy payment methods. Your policy straight-away sits in your inbox.

FAQs-

1. What is a Super Top up?

Ans – It is a Health Insurance Plan that provides support to your existing plan ams makes it more and more beneficial to give you a higher sum insured and a broad wider coverage to meet all your medical expenses. You can also opt this plan as an independent policy or can choose it as a top up to your existing plan.

2. What is the need of buying a Super Top Up?

Ans – In all the cases where your existing medical coverage is not sufficient enough and full filling to provide protection to your medical expenses, the Super Top Up comes in the picture to help you increase the sum insured and provider wider coverage at an affordable premium.

3. What is deductible & how does it operate?

Ans –The Deductible is the fixed amount which is paid out of pocket by an insured individual for the medical expenses before an insurance company pays the balance cost.

4. What are the minimum and maximum deductible in the plan?

Ans –You can go for a minimum of Rs. 4,00,000 and maximum of Rs. 5,00,000 aggregate deductible in this policy plan.

5. What do you mean by Pre-Existing Diseases?

Ans –The pre-existing diseases can be described as any condition, ailment, injury or illness that an individual have been diagnosed with or had symptoms of the same 36 months before owing the policy.

6. Will my Pre-existing diseases be covered in Super Top Up?

Ans –Pre-existing diseases will be provided coverage in Super Top Up Policy Plan only after 36 months of continuous coverage.

7. Is there any waiting period?

Ans –Yes, there is a waiting period of 36 months (or 3 years) for before Super Top Up starts covering the pre-existing diseases.

8. Do I need to undergo a medical test for buying this policy?

Ans –No pre-policy medical check-up is necessarily needed for individuals up to 55 years of age, subject to no health adversity. However, crossing that age bar you may need to go through some routine check-ups.

9. Are there any special discounts available under the policy?

Ans –You get an approximate of 5% discount on opting for two-year policy and a 10% Family Discount when three or more family members are covered under individual sum insured basis.