Important to know before purchasing:
There are three coverage options under Super Top-up;
- ₹ 20 lakh cover (deductible options for this cover are 1, 2, 3, 5 and 10 Lakhs)
- ₹ 50 lakh cover (deductible options for this cover are 5 and 10 Lakhs)
- ₹ 1 crore cover (deductible options for this cover are 5 and 10 Lakhs)
Super Top-up Plan types
1. One (Self only) - one policy only
This is one individual policy that only covers you for a maximum of ₹1 crore.
2. Pro (Parents only) - at least 1 and up to 2 separate policies
You can purchase up to two policies for:
- your mother and father
- your mother-in-law and father-in-law
Important points to note:
- You cannot cross select (i.e Policies for mother and father-in-law or vice versa)
- Each individual is covered up to a maximum of ₹1 crore.
Example of the policy: If you buy 2 policies of ₹50 lakh covers for both your mother and your father, they will each be covered for ₹50 lakh.
3. Plus (Self + Parents) - at least 2 and up to 3 separate policies
Here, you will need to purchase one policy for yourself and up to two policies for:
- your mother or mother-in-law
- your father or father-in-law
Important points to note:
- You cannot cross select (i.e Policies for mother and father-in-law or vice versa)
- Example of the policy: You could be buying 3 policies for you, your mother and your father where each person is covered for ₹1 crore or you could be buying 2 policies for you, and say, your father-in-law where again each person is covered for ₹1 crore.
4. Max (Self + Spouse + Kids) - one policy only
This plan includes you, your spouse and up to two kids. Here, you would be purchasing one policy where your entire family will be sharing a cover of up to a maximum of ₹1 crore. This is typically called a floater cover.
5. Grand (Self + Spouse + Kids + Parents) - at least 2 and up to 3 separate policies
This plan would include:
- A floater policy for you, your spouse and up to 2 kids with a maximum coverage of ₹1 crore
- A ₹1 crore policy for your mother or mother-in-law with a
- A ₹1 crore policy for your father or father-in-law
You might be wondering- why choose higher coverages like ₹50 lakh and ₹1 crore?
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- Healthcare costs have been skyrocketing in recent years and more so for older individuals. Be assured of fully meeting the healthcare needs of your parents with higher insurance coverage plans.
- Secure you and your entire family with floater plans covering up to ₹1 crore and be prepared for any eventualities.
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