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Top Up Health Insurance Policies from Companies in India
  Last Updated On- 05, April 2012
(1) Who offers TOP UP Health Insurance Policy   (2) Policy Wording/ Proposal Form/ Brochure
(3) Various TOP UP Health Insurance Policy by Health Insurance Companies
General/Health Insurance Companies Products
3- United India's Top UP Medicare Policy - Prospectus
This Policy covers In -Patient Hospitalisation Expenses, Pre and Post Hospitalisation Expenses, Ambulance charges incurred in India.
  • This Policy covers hospitalisation expenses up to the opted Sum Insured over and above a specified level called the Threshold Level. It gives additional protection at an affordable price when hospitalisation costs are very high. This is irrespective of whether the insured has any other Health Insurance Policy or not.
  • This policy will respond only when the covered hospitalisation expenses exceeds the “Threshold Level” stated in the policy.
  • The Policy will not cover the expenses in excess of Threshold Level, received/reimbursable from any other source whatsoever.
  • However, the sum insured under the policy will be available exclusively over and above any reimbursement received/receivable from any source whatsoever if such amounts exceed the Threshold Level opted for the insured person and stated in the Policy.
  • Thus, this Policy offers protection in excess of any Primary Health Policy/Benefit Scheme that the insured may have.
The Policy can be issued individually to the family members as well as for the family as a whole on floater basis as given below.
Top Up Medicare Policy-Individual -All the family members can be covered under single policy with sum insured and threshold level to be provided for all insured persons separately. Parents can be covered under the same policy covering the proposer’s family.
Top Up Medicare Policy-Family –Single Sum Insured/Threshold Level for all family members covered under the Policy. Parents can take a separate policy for themselves or the son/daughter can cover them under a separate policy.
  • Any proposer fulfilling the eligibility norms given below.
  • The proposer may or may not have any other Health Insurance Policy.
  • This policy can be taken in addition to any other Health Insurance Policy.
Eligibility - Family comprising of Self, Legal Spouse and Dependent Children.
Age - Proposer between 18 and 80 years
- Dependent children between the age of 3 months and 18 years provided either or both parents are covered concurrently. However, children above 18 years will cease to be covered if they are employed/self-employed or married. For unmarried and unemployed girls, disabled children without income dependent upon Proposer, the age limit of 18 will not apply.
- Male child upto 26 years can be covered provided they pursue full-time higher studies and submit Bonafide Certificate from Educational Institution.
The following are to be submitted -
  • Proposal form duly completed & signed and details of insured person/s.
  • The details of existing and previous Health insurance Policies in respect of each insured person are to be provided without fail in the proposal form along with claim history. Copy of current/expiring policy may be attached.
  • Signed copy of Prospectus.
Pre-acceptance health check-ups will be required in the following instances.
(1.) Age of insured person exceeding 45 years not covered under any Health Insurance Policy/Benefit Scheme.
(2.) Adverse Medical/claims history.
(3.) Option of high value sum insured in relation to sum insured under existing policy below threshold level.
The following tests will have to be carried out at proposer’s cost -
(1.) Physical examination including Blood Pressure.
(2.) Glycosylated Haemoglobin
(3.) Serum Creatinine
(4.) Serum Urea
(5.) ECG
(6.) Stress Test unless contraindicated.
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