A POLICY FOR MEDICAL EMERGENCIES: No financial planning is complete without an Adequate Mediclaim Cover and a Sufficient Term Plan. Any major Illness in a family can take away a large part of financial savings which could impact the financial goals to be achieved by the family. However, the cure for the disease is affordable only to a few sections of society, and that too only if one has the right Insurance. The best of treatment costs a heavy amount and it is not affordable for everyone to meet the expenses out of their individual corpus.  To treat a disease like Cancer, the cost could be anywhere between Rs.25 lakh to Rs.1 crore and maybe more. Not too many people can afford such kinds of expenses for the treatment and one might give up the fight for saving a loved one.

Therefore, adequate Coverage is a need of the hour in order to avoid the erosion of the Lifetime savings of the family. Thus, the right coverage is as important as one would like to spend on a nice vacation. And the answer to all this is SUPER TOP-UP PLAN which would be over and above your existing coverage.

A SUPER TOP-UP PLAN is a plan where the Insured has a cover over and above a deductible which has to be borne by him, or his base policy, or the GMC cover he enjoys from his Company. The plan is an ideal option one should have to enhance one's coverage which might not be sufficiently covered under the base policy. The Plan is certainly priced more reasonably and comes in really handy in case of critical illness where the small sum assured could be grossly insufficient.


In-Patient Hospitalization: The medical expenses covered for hospitalization of more than 24 hrs.

Pre-Hospitalization: The medical expenses that you incur on consultations, investigations and medicines 60 days before you are hospitalized.

Post-Hospitalization: The medical expenses you incur on consultations, investigations and medicines in 90 days immediately after you are discharged from the hospital.

Day-Care Procedures: The medical expenses for 144 day-care procedures, which do not require 24 hours hospitalization due to technological advancement, are covered.

Organ Donor: Treatment expenses for the organ donor at the time of organ transplant.

Ambulance Service: Expenses incurred if ambulance service is used on the way to the hospital for hospitalization.

Waiver of Deductible Benefit: The option to convert the plan to a full-fledged Indemnity Health Insurance plan with no underwriting or medicals is available only at renewal between 55-60 years provided you have enrolled with Insurance Company under this policy before the age of 50 years and have renewed continuously without a break.

Cashless Service: You need to obtain a pre-authorization for all planned admissions at least 48 hours prior to actual admission or regularize any ‘emergency’ admission within 24 hours post the admission

Portability: If you are insured with some other company’s health insurance and you want to shift to any other insurance company on renewal, you can that offer better features. Our portability policy is customer friendly and aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods etc.

Tax Benefits: you can presently avail of tax benefits for the premium amount under Section 80D of the Income Tax Act.

  • All treatments within the first 30 days of cover except any accidental injury.

  • Any pre-existing condition will be covered after a waiting period of 4 years.

  • 2 years waiting period for specific diseases like cataract, hernia, joint replacement surgeries, surgery of hydrocele etc.

  • Expenses arising from HIV or AIDS and related diseases.

  • Congenital diseases, mental disorders or insanity, cosmetic surgery and weight control treatments.

  • Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol.

  • Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind.

  • Pregnancy, dental treatment, external aids and appliances.

  • Items of personal comfort and convenience.

  • Experimental, investigative and unproven treatment devices pharmacological regimens.



In case you are not there to hold him make sure you leave a safety net for him.