United India Super Topup Health Insurance

• This Policy covers aggregate hospitalisation expenses in respect of all covered hospitalisation of insured person/s during the policy period exceeding the Threshold Level up to a Sum Insured stated in the policy. It gives additional protection at an affordable price when hospitalisation costs are very high. This is irrespective of whether the insured has any other Health Insurance Policy or not.
• The policy acts only when the aggregate of covered hospitalization expenses exceeds the “Threshold Level” stated in the policy.
• The Policy will not cover the expenses in excess of Threshold Level, received/reimbursable from any other source whatsoever.
• However, the sum insured under the policy will be available exclusively over and above any reimbursement received/receivable from any source whatsoever if such amounts exceed the Threshold Level.
• The Policy offers protection in excess of any Primary Health Policy/Benefit Scheme that the insured may have.
• The Policy will respond for each and every hospitalisation after the Threshold Level has been exceeded by previous covered hospitalisation expenses subject only to the Sum Insured stated in the Policy.

TYPES OF POLICY

The Policy can be issued either individually to the family members or for the family as a whole on floater basis as given below.

Super Top Up Medicare Policy-Individual - All the family members can be covered under single policy with sum insured and threshold level to be provided for all insured persons separately. Parents can also be covered under the same policy covering the proposer’s family.

Super Top Up Medicare Policy-Family – Single Sum Insured/Threshold Level for all family members covered under the Policy. Parents can take a separate policy for themselves or the son/daughter can cover them under a separate policy.

WHO CAN TAKE THE POLICY

• Any proposer fulfilling the eligibility norms given below.
• The proposer may or may not have any other Health Insurance Policy.
• This policy can be taken in addition to any other Health Insurance Policy.