userA top-up health insurance plan designed to enhance your existing health coverage with added benefits and affordability.
Plan Essentials
1. Top-up Policy
Provides additional Sum Insured over your existing health insurance at affordable premiums.
2. Flexible Policy Options
- Available for Individual and Floater plans with 7 family size options:
- 2 Adults (2A)
- 2 Adults + 1 Child (2A+1C)
- 2 Adults + 2 Children (2A+2C)
- 2 Adults + 3 Children (2A+3C)
- 1 Adult + 1 Child (1A+1C)
- 1 Adult + 2 Children (1A+2C)
- 1 Adult + 3 Children (1A+3C)
3. Long-Term Discount
- Enjoy a 5% discount on a 2-year policy term.
4. No Medical Screening
- Pre-insurance medical screening is not mandatory.
5. Flexible Payment Options
- Premiums can be paid quarterly or half-yearly.
6. Eligibility
- Individual Entry Age: 18 to 65 years.
- Floater Entry Age: 18 to 65 years (Dependent children covered from 91 days to 25 years).
General Features
- Policy Term: 1 or 2 years.
- Lifelong Renewal: Ensures continued coverage.
Policy Benefits
Individual Plan – Gold
1. Hospitalisation: Covers hospitalisation exceeding 24 hours.
2. Pre-Hospitalisation: Medical expenses up to 60 days before admission.
3. Post-Hospitalisation: Medical expenses up to 90 days after discharge.
4. Room Rent: Single private A/C room expenses covered.
5. Road Ambulance: Covered up to ₹3,000 per policy period.
6. Air Ambulance: Covered up to 10% of the Sum Insured (for policies of ₹7 lakhs and above).
7. Modern Treatment: Advanced treatment expenses covered per policy limits.
8. Delivery Expenses: Covered up to ₹50,000 (max 2 deliveries after a 12-month waiting period).
9. Organ Donor Expenses: Covers expenses if the insured is the recipient.
10. Recharge Benefit: Reinstates Sum Insured once during the policy period.
11. Wellness Services: Rewards healthy lifestyle choices.
12. E-Medical Opinion: Consultation with expert panels available upon request.
13. AYUSH Treatment: Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy up to the Sum Insured.
Individual Plan – Silver
1. Hospitalisation: Covers hospitalisation exceeding 24 hours.
2. Pre-Hospitalisation: Medical expenses up to 30 days before admission.
3. Post-Hospitalisation: Medical expenses up to 60 days after discharge.
4. Room Rent: Covered up to ₹4,000 per day.
5. Modern Treatment: Advanced treatment expenses covered per policy limits.
6. AYUSH Treatment: Expenses for AYUSH systems covered up to the Sum Insured.
7. Deductible: Amount up to which the company is not liable for hospitalisation expenses.
Floater Plan – Gold
1. Hospitalisation: Covers hospitalisation exceeding 24 hours.
2. Pre-Hospitalisation: Medical expenses up to 60 days before admission.
3. Post-Hospitalisation: Medical expenses up to 90 days after discharge.
4. Room Rent: Single private A/C room expenses covered.
5. Air Ambulance: Covered up to 10% of the Sum Insured (for policies of ₹10 lakhs and above).
6. Road Ambulance: Covered up to ₹3,000 per policy period.
7. Modern Treatment: Advanced treatment expenses covered per policy limits.
8. Delivery Expenses: Covered up to ₹50,000 (max 2 deliveries after a 12-month waiting period).
9. Organ Donor Expenses: Covers expenses if the insured is the recipient.
10. Recharge Benefit: Restores Sum Insured once during the policy period for any hospitalisation.
11. E-Medical Opinion: Expert panel consultation available upon request.
12. Wellness Services: Encourages a healthy lifestyle with rewards.
13. AYUSH Treatment: Covers AYUSH treatments up to the Sum Insured.
Floater Plan – Silver
1. Hospitalisation: Covers hospitalisation exceeding 24 hours.
2. Pre-Hospitalisation: Medical expenses up to 30 days before admission.
3. Post-Hospitalisation: Medical expenses up to 60 days after discharge.
4. Room Rent: Covered up to ₹4,000 per day.
5. Modern Treatment: Advanced treatment expenses covered per policy limits.
6. AYUSH Treatment: Covers AYUSH systems of medicine up to the Sum Insured.
7. Deductible: Amount up to which the company is not liable for hospitalisation expenses.
Key Highlights
1. Recharge Benefit: Additional Sum Insured for the same hospitalisation upon exhaustion of the existing cover.
2. AYUSH Coverage: Comprehensive coverage for alternative medicine.
3. Delivery Cover:
- Coverage for up to 2 deliveries after a waiting period.
4. E-Medical Opinion: Direct access to expert opinions on medical treatments.
For further details, refer to the Policy Documents and Terms & Conditions.
Rahul Khanna
