View and download policies, proposal forms, detailed wordings, network hospital list etc.
See escalation matrix, send service requests, track progress, get acknowledgements etc.
Intimate claim, fill claim form, share documents, track status, get reminders etc.
Floater cover benefit is offered by insurances to get family (self, spouse, dependent parents, dependent children, brothers and sisters) covered for the same sum insured under a single policy by paying one premium amount. This is a relatively cost-effective approach to health insurance.
Top Up Health Insurance provides all features of Health Insurance like Emergency ambulance cover, Health Check Ups, Pre and post Hospitalisaton expenses, day Care Treatments and others at a low premium as compared to Basic Health Insurance plan. The price is low because these plans have a high deductible. This means that cost below a certain amount will not be paid by the insurance.
Premium paid for Top Up health Insurance is also eligible for Tax Deduction under Sec 80 D.
Buy insurance that can be renewed lifelong. Lifetime renewability would be available even if there is a claim made in the previous year. Premium rates are also standardized for a particular age group.
If any claim is in any manner is fraudulent or dishonest, or is supported by fraudulent means or device, then the claim gets rejected.
Claims which are made on account of pre-existing ailments usually get rejected by insurers in case they are not revealed in the proposal form. Such pre-existing diseases, if any, should be declared and not withheld.
One of the most important condition in Top Up Health Insurance is Deductibles. The company will not be liable for any payment unless the medical expenses exceed the deductible and will pay only cost above the deductibles.
Duly filled claim form (signed by the insured and the treating doctor), Discharge summary (with details of complaints and the treatment availed), Final Hospital Bill (detailed breakup) along with interim bills, Payment Receipts, Doctor's consultation Papers, All investigation reports (e.g. blood report, X-ray, Sonography, MRI, etc.).
Some Add on to cover include : Hospital daily cash, Personal Accident and Long term Plans.
Typical exclusions are: All diseases/illnesses existing prior to or at the time of proposing this insurance for certain period, all expenses arising out of AIDS and related diseases, Use of intoxicating drugs or alcohol.
We have specialized marine underwriters and tie-ups with international experts.
We work with all insurers to get you the best options- both in terms of price and features.
Cover notes are issued within hours of request. This ensures that your goods don’t sit idle at any stage.
We manage all aspects of your claim - from survey appointment to documentation to insurer follow-up.
We will advice you on risk management best practices.
See all your contracts renewal information in one place. Place service requests on PAM.
The biggest difference between a Top Up Health Insurance and a Super Top Up Health Insurance is the way they calculate the deductible amount
In case of a Top Up medical insurance, each and every hospitalisation is treated as a separate instance and deductible is calculated for each of the instances.
In case of Super Top Up health insurance, as long as you have reached your deductible limit in aggregate, the super top up will pay.
For Example: You have a Deductible Limit of Rs 2 Lakhs and you have 2 Hospitalization claims in a year. First claim is for Rs 1 Lakhs and second one is for Rs 1.5 Lakhs. So, If you have a Top Up Health Insurance Plan you will not be able to claim anything as each of your claim will be treated separately. But in case of Super Top Up, the claims will be seen in aggregate for a year and you will Rs 50,000 (2.5 Lakhs - 2 Lakhs) reimbursed.