Super Top-up (Terms and Conditions)

Super Top-Up (STU) is a retail policy that provides additional coverage over your existing health insurance policy. The Sum insured can be a maximum of 1 crore including the deductible (Coverage options are 20L, 50L, 1 crore).

It is an individual retail policy and always comes with a deductible (deductible options are 1,2,3,5 or 10 lakhs) 

Deductible refers to the amount paid by the policyholder (via your base health insurance policy or personal health insurance policy or out-of-pocket) before the super top-up kicks in. It means you have to exhaust the deductible amount chosen by you, only post which additional cover from Super Top-up will be available to use.

Important to note: The premium for Super top-up will be based on the age of the individual and the deductible opted for.

You need to buy individual super top-ups for each of your parents and pricing depends on the age of the parent.

Terms and conditions

The super top-up policy is a retail policy you are purchasing on your own and your company is not involved in this purchase. Hence, there are specific terms and conditions which are different for this policy. 

• There is a 30-day waiting period from the date of purchase of the policy before which you can use it for a claim.
  
  
• Certain named ailments have a waiting period of 12 months from the date of issue of the policy.
  
  
• Any member or their dependent will be ineligible for purchasing a Super Top-up policy, if the person(s) suffer from any kind of existing disease. Existing diseases include diabetes, hypertension, obesity, cellulitis, coronary pulmonary issues, kidney-related ailments etc. which the person(s) have been suffering from before or at the time of policy purchase.