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Bajaj Allianz Health Insurance Super Top-up Plans
A Top-Up Health Insurance Plan gives you extra coverage after your medical expenses cross a fixed limit (deductible). Unlike regular health insurance, which pays from the very first rupee, this plan starts covering after a certain limit. It is a good choice for people who already have health insurance but want higher coverage at a low cost.
What Does the Bajaj Allianz Super Top-up Plans Cover and Not Cover?
Here is the list of medical terms that are covered and not covered under Bajaj Allianz Health Insurance Super Top-up Plans:
Covered
- Hospitalisation & Day Care Expenses
- Pre- & Post-Hospitalisation Expenses
- Modern Treatment Methods & Technologies
- Organ Donor Expenses
- AYUSH Hospitalisation Cost
- Maternity & Newborn Care
- Ambulance Cover
- Floater & Individual Sum Insured
Not Covered
- Initial Waiting Period
- Pre-Existing Disease Waiting Period
- Specific Illness Waiting Period
- Maternity Expenses
- Expenses for Medical Investigation & Evaluation
- Dietary Supplements & Substances
- Cosmetic Surgery Expenses
- Treatment for Self-Inflicted Acts
- Deductibles & Co-pays
- Refractive Error
- Sterility and Infertility
- Reversal of Sterilization
Health Insurance Plans By Bajaj Allianz
FAQs
A Super Top-up Plan gives extra health insurance coverage once your medical bills exceed a certain deductible. It helps you get higher protection at a lower premium.
Unlike a regular Top-up that covers each claim above the deductible separately, a Super Top-up counts all claims in a year together. Once the total exceeds the deductible, the plan pays for the rest.
It is ideal for people who already have health insurance but want higher coverage for expensive treatments without paying a very high premium.
It covers hospitalisation, daycare procedures, ICU charges, room rent, surgeries, hospitalisation expenses, and more, depending on the plan.
Yes, super top-up plans are designed to work with your existing base health insurance to provide extra financial protection.