Supercharge your health
Insurance coverage

Super top-up is additional coverage of upto 1 Crore added to your existing policy. You can avail the additional cover for yourself, and/or for your entire family (self+spouse+2 kids), and/or your parents.

This policy, however, comes with waiting periods on certain critical illnesses and applicable deductibles.

Consider an example where employee Neha's policy covers the employee, her spouse, and her children.

Neha buys a super top-up for her parents with the sum insured as 20 lakhs, and a deductible of 3 lakhs. Neha paid a premium of Rs. 1248 for the year to get the super top-up (624 for her father + 624 for her mother).

Unfortunately, Neha's father runs into a situation where he needs to undergo treatment. Let's say the total hospital bill for the treatment was 7 lakhs.

Since the deductible that Neha opted for is 3 lakhs, she will have to pay 3 lakhs worth of bills out of her own pocket, or the father's sum insured (in case the father has been insured via an external health insurance policy bought separately) first.

Then, for the remaining 4 lakhs, Neha can use the super top-up. The sum insured via the super top-up is 20 lakhs. Since 4 lakhs has been used up, the super top-up balance becomes 16 lakhs (20 - 4).

If Neha's father is hospitalized again, with a total bill of 10L, she can now directly use the super top-up to settle the entire bill. The super top-up balance becomes 6 lakhs (16 - 10).

Deductible refers to the amount paid by the policyholder (via out-of-pocket or other medical insurance policy) before the super top-up kicks in. Read all about how a deductible works here.

No, the policy doesn’t cover same-sex or unmarried couples.

A 30-day waiting period from the policy start date is applicable, except for injuries and accidents. There is a 12-month waiting period for the following illnesses/surgeries:
Arthritis, if non-infective, gout, rheumatism and spinal disorders, joint replacement surgery
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Benign ear, nose, and throat (ENT) disorders and surgeries (including but not limited to adenoidectomy, mastoidectomy, tonsillectomy, and tympanoplasty), nasal septum deviation, sinusitis, and related disorders
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Benign prostatic hypertrophy

Cataract

Dilatation and curettage

Fissure/fistula in anus, hemorrhoids/piles, pilonidal sinus, gastric and duodenal ulcers

Surgery of genitourinary system unless necessitated by malignancy

All types of hernia, hydrocele

Hysterectomy for menorrhagia or fibromyoma or prolapse of uterus unless necessitated by malignancy

Internal tumors, cysts, nodules, polyps including breast lumps (each of any kind) unless malignant

Kidney stone/ ureteric stone/ lithotripsy/ gall bladder

Myomectomy for fibroids

Skin tumors unless malignantVaricose veins and varicose ulcers  

There is also a 4 year (48 months) waiting period for pre-existing diseases (PEDs).

The primary member, purchasing the cover, has to be part of the group health insurance cover provided by Plum. Individuals with the following conditions are not eligible for a super top-up policy.

Yes, the plan is available to individuals below the age of 65 years for new purchases and can be renewed till the age of 75 years.

Yes, parents can be covered in separate individual policies. Please note that you can only purchase a new policy for your parents who are 65 years old or under. However, these policies can be renewed till they are 75 years old.

As your parents get older, there is the possibility of rising healthcare costs. There is always a chance that your existing health insurance cover may not meet their healthcare expenses. A super top-up can help enhance their existing health insurance cover (which they may have purchased in a personal capacity or may have obtained through your insurance plan) if they don't have any pre-existing conditions.

No, super top-up does not cover maternity.

No - Ayush treatments are not covered by super top-up.

You will have to file two claims since you will utilize two policies. First, make sure that the deductible amount has been either exhausted through another policy or through out-of-pocket expenditure. Before raising the claim, reach out to care@plumhq.com for the best assistance and advice on using your super top-up policy.

Your super top-up remains with you even after you leave your company.You also get additional tax benefits under Section 80D.Additionally, buying a super top-up cover is more cost-effective than paying a higher premium to increase your existing coverage.

Super top-up health insurance is an additional policy that works with your existing insurance policy.

It kicks in only when you have exhausted your deductible amount in your base policy (i.e. a regular health insurance plan).

Your super top-up premium payable is affected by factors such as your age, the plan and deductible that you’ve selected.

Your super top-up policy remains active for one full year from the purchase date, irrespective of you leaving the company