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  • Floater Benefit

    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.

  • Comprehensive Features at Low Premium

    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.

  • Tax Benefit

    Premium paid for Top Up health Insurance is also eligible for Tax Deduction under Sec 80 D.

  • Life Long Renewability

    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.

Why Claims get rejected?

Fraudulent Claim

If any claim is in any manner is fraudulent or dishonest, or is supported by fraudulent means or device, then the claim gets rejected.

Pre-Existing ailments

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.

  • Claim Documentation

    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.).

  • Add-on Cover

    Some Add on to cover include : Hospital daily cash, Personal Accident and Long term Plans.

  • Exclusions

    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.

Why Securenow


    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.


  • proposal form

  • Claim forms

  • Policy wordings


  • Health insurance will protect you and your family against any financial contingency arising due to a medical emergency. However, a health insurance top up plan on your base policy is of equal importance due to various reasons.
    • It supplements your existing medical insurance
    • It covers one against medical emergency in case of exhaustion of the basic cover
    • It covers one against medical emergency in case of change in job
    • It supplements your savings when the treatment costs exceed your savings
    The only difference is between normal mediclaim plan and top up health insurance plan is the deductible amount. Deductible is the amount over which the claim for hospitalization is reimbursable.Policy holder has to opt for deductible amount at the time of buying the fresh plan. Higher the deductible, cheaper the plan. But top-up health plans should be bought to bridge the gap between existing policies and actual costs.

    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.

  • Age is a major factor that determines the premium, the older you are the premium cost will be higher because you are more prone to illnesses. Previous medical history is another major factor that determines the premium. If no prior medical history exists, premium will automatically be lower. Claim free years can also be a factor in determining the cost of the premium as it might benefit you with certain percentage of discount. This will automatically help you reduce your premium.
    Insurance is a contract of utmost good faith. It always pays to be honest. Declaring the correct and accurate health status at the time of buying health insurance ensures smooth processing of your application. This will also help insurance companies to serve you in a better manner.
    A waiting period is the length of time the insured need to wait before being eligible for Health Policy benefits.