Super top-up health insurance covers your hospital bill when your basic health insurance plan is exhausted. It offers a higher sum insured at an affordable premium, giving your health insurance a boost without breaking the bank
Consider this, you have a base group health insurance policy with a sum insured (deductible) of ₹4L and a Nova super top-up health insurance of ₹15L.
Increase your base health policy coverage to up to ₹20L extra in just 2 minutes.
Super top up health insurance acts as an extra blanket of protection for your team
A plan that covers your medical bills up to the super top-up sum insured provided in the plan above a base amount (deductible) once exhausted. The deductible amount is predetermined by the base policy. A base policy can be either your individual health insurance or your GMC coverage provided by your employer
Once you have exhausted your base coverage amount, the super top-up ensures coverage till the super top-up sum insured amount. It also gives you the benefit of a higher sum insured at a lower premium amount as compared to regular policies
Super top-up plans are available for employees below 75 years of age who are already covered under Nova group health insurance. Dependent children should be between 90 days and 24 years of age.
Any premiums paid for super top-up plans are eligible for tax deduction under section 80D for up to 25,000 per year.
Yes, you can buy a family floater super top-up plan that offers coverage for you, your spouse and 2 children. Your parents (up to 75 years of age) can be covered under separate individual policies.
The super top-up plan can be bought by an employee already covered under a group health insurance cover by Nova. You can buy the plan under your own name.
You can raise a claim for the super top-up under your policies section on your Nova Portal. If your base policy is not with Nova, you can visit Nova’s portal to claim against the super top up policy only.
Expenses related to the treatment of the listed conditions and surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the policy. This exclusion shall not be applicable for claims arising due to an accident.
We ask for your personal email when you sign up. If you leave the organization, you can contact Nova to make your personal email the primary email for your super top-up policy.
The top-up policy is independent of your base policy provided by your employer. In case, you leave your current workplace, then the deductible amount applicable for the super top-up should come from another health insurance policy that you have or cash.
For example, if your current workplace provides you with a base policy of 5 lakh, then the super top-up policy will have a deductible of 5 lakh. Now if the hospital bill is 15 lakhs, 5 lakh can be claimed from the current workplace base policy and the remaining 10 lakh can be claimed from the super top-up policy. In case, you leave the current workplace, the initial 5 lakh comes from another insurance policy (your new workplace’s base policy or personal health insurance policy) or cash.