Several super top-up insurance plans are available in India - policyholders can invest in a plan that suits their needs the best based on price and the level of additional coverage they need. Experts at Nova can help you find the best super top-up coverage for your team.

Super top-up health insurance is 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 health insurance 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 than regular policies.

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 through additional coverage.

Super top-up health insurance 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 health insurance 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 the 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.

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We ask for your personal email when you sign up. If you leave the organisation, you can contact Nova to make your personal email the primary email for your super top-up health insurance policy.

The top-up policy is independent of your base policy provided by your employer. If you leave your current workplace, 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 health insurance policy will have a deductible of 5 lakh. 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 health insurance policy. If 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.