What is a Top-Up or a Super Top-Up Health Insurance Policy?
In a nutshell, Top-Up and Super Top-Up health insurance is a kind of health medical insurance will that gives you an extra amount of cover to deal with medical expenses due to illness, injuries or accidents.
Why these two options, you ask? We believe that you should be free to choose, based on what you need!
How do these plans work? Very simply, if you already have an existing health policy (from any company) or have your own budget to spend on such expenses, and you end up spending much more, the Top-Up or Super Top-Up health plans pay the extra amount
Still confused? Scroll below to understand which plan is better for you!
Well, it’s a simple but important difference. To explain this, we first need to answer another question:
What’s a deductible?
If you run up a hospital bill, the deductible is the amount that you need to pay, either from your basic Health Policy (from any company) or out of your own pocket (We hope not!)
Zuno Top-Up Policy - You can use this policy only when one single claim exhausts your deductible amount. If you are hospitalised again in the same year and your claim amount does not reach the deductible amount, then your Top-Up will not kick in
Zuno Super Top-Up Policy - With this policy, you can claim multiple times in the same policy year, and do not have to spend the same deductible every time for your Super Top-Up to kick in.
Who should buy Health Insurance Top-Up and Super Top-Up Health Insurance? Everyone!
Hospital bills are unpredictable. Here’s a solution that’s totally dependable.
With Zuno Health Top-Up or Super Top-Up, get additional cover of as much as Rs 5 Crore, at a really reasonable premium.
Professionals – Many employers offer Mediclaim Health insurance to employees and their family members. But these policies have limited cover, which may not be enough. That’s why you need an extra layer of protection.
People with a low Sum Insured – The pandemic, and the sharp rise in healthcare costs, have shown us that the average health insurance policy just isn’t enough. But hey, you don’t need to buy another base health policy when Top-Up health insurance plans are easily available! Just choose a Top-up with a high sum insured and the right deductible amount.
Senior Citizens – Seniors face health problems much more often than others, and so have to pay higher premiums on regular policies. Top-Up health insurance plans let them find the perfect balance between cover and expense.
Some amazing features of Zuno Top-Up Health Insurance
Wide range of Sum Insured
Enjoy a huge Sum Assured: up to Rs 20 Lakhs with Top-Up, and up to Rs 5 Crores with Super Top-Up
No age based or Zone based co-payment
Let’s keep it simple! Your age or city of residence doesn’t matter when you’re buying the health insurance plan from us. Premiums are fixed across all cities in India, and uniform premium rates are defined for every age point
No room rent capping
Choose the hospital room that suits you, without worrying about any upper limit to the room rent.
Ayush Cover
You’re totally covered for treatment taken under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.
Health 241 Add-on
If you take your Zuno Health Insurance Policy with the Health 241 Add-on and your first year is healthy and claim-free, we’ll cover you absolutely free for the second year
Discounts
We let you save up to 30% on the premium through family discounts, long-term discounts, loyalty discounts, etc. You even get an online saving of 15% on the total premium if you buy from our official website
Hospital Cash
Flexible Hospital Cash cover ranging from Rs 500/day to Rs 5,000/day, with the number of days and deductible as specified
Why should you buy Zuno Top-Up Health Insurance?
As the pandemic showed us, healthcare costs are shooting up. Your medical insurance cover which may sound like enough, probably isn’t in reality. Make up for it by taking one of our Top-Up health plans
If you have an old-fashioned health insurance plan or corporate health insurance which has a low Sum Insured or very basic cover, an emergency could leave you totally unprepared.
You get tax benefits under Section 80D as per existing regulations, from Rs 25,000 to Rs 75,000!
Zuno Top-Up Health Insurance Plan Add-ons
Health 241
Stay covered for two years, with a health medical insurance policy that’s twice as nice! If you take your new policy with this Health Insurance Policy Add-on, and your first year is healthy and claim-free, we’ll cover you absolutely free for the second year
What is covered under Zuno Top-Up Health Insurance? A lot!
Get extra cover up to ₹ 5 Crore for Inpatient Hospitalization.
Depending on your Sum Insured, benefit from AYUSH cover.
Every time you renew, get a No Claim Bonus of 5%, up to a maximum of 50%.
Choose from a range of Add-ons like Reduction of Waiting Period, Hospital Cash, Dental OPD, Double Sum Insured for Critical Illness, as per your needs.
What is not covered by Zuno Top-Up Health Insurance?
Expenses towards pre-existing diseases/listed conditions, and surgeries/treatments before the completion of specific waiting periods.
·Expenses related to the treatment of any illness within 30 days from the first policy start date.
The cost of any admission that is mainly for diagnostics and evaluation
Expenses of any admission that is primarily for enforced bed rest, and not for receiving treatment.
Cosmetic or plastic surgery, or any treatment to change the appearance, unless medically necessary
Why choose Zuno? Here are just a few reasons!
Apart from offering a simple and easy-to-understand health insurance policy, we are also trusted for:
Affordability
Our health insurance plans offer cover at very affordable premiums
Cashless Network hospitals
We have over 10,000+ hospital tie-ups in our network. You will not have to worry about finding one in an emergency.
Security Deposit
We also offer advance security deposit of up to Rs 10,000 for admission in non-networked hospitals
How do I claim with Zuno Health Insurance?
Get in touch with us on our:
Toll free number -1800 12000
Paid landline - 022 423 12000
within 30 days of the accident taking place or email us at support@hizuno.com to let us know the details of your claim.
Send us the documents
Fill out the claim form and submit all the necessary documents, including your identity proof and a copy of the FIR
You can send soft copies to support@hizuno.com or send hard copies to Zuno General Insurance Company Limited, Health Claims Desk, 2nd Floor, Tower 3, Wing-B Kohinoor City, Kirol Road, Kurla East Mumbai, Maharashtra – 400 070
Let us work on it
We’ll work on your claim and make the settlement within 30 days if all the documents are in order and your claim is accepted
Making sense of common insurance jargon
Pre-existing Disease
It refers to any kind of disease or ailment that an insured person has been suffering from, before having bought an medical insurance policy
Waiting Period
A pre-decided time period in which the you cannot claim.
Cashless Claim
Cashless claims in medical insurance are a mode of claim settlement where you don’t have to pay cash for treatment, and the settlement of the bills is handled directly between the hospital and insurance company.
Reimbursement Claim
In a reimbursement claim, you pay your hospital bills after treatment. Later, Then you must submit these bills and any other relevant medical documents to your insurer to have your claim approved and the money paid to you.
Deductible
The agreed part of the claim amount that you pay from your own pocket, before your insurance cover kicks in.
AYUSH
You get covered for alternative therapy such as Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.
Hospital Daily Cash
It is the fixed amount of benefit which you get on a daily basis in case of hospitalization for a long period of time.
Cashless Claim
Cashless claims in medical insurance are a mode of claim settlement where you don’t have to pay cash for treatment, and the settlement of the bills is handled directly between the hospital and insurance company.
Reimbursement Claim
In a reimbursement claim, you pay your hospital bills after treatment. Later, you submit these bills and relevant medical documents to your insurer to have your claim approved and the money paid to you.
Why Buy Zuno Top Up Health Insurance?
Enjoy tax benefits on premiums paid for your health insurance policy under section 80D of the Income Tax Act
However you prefer, you can choose to pay the premium either through Single payment or Instalments.
You can select from Cashless as well as Reimbursement Claims
The family floater policy covers yourself, your spouse, dependent children, dependent parent(s)/parents(s)-in-law
FAQs
What Is the Zuno Top-Up plan?
Zuno Top-Up is an awesome health insurance plan that helps build up your existing health insurance plan, by giving you a higher sum insured and a wide range of benefits to take care of all your medical expenses
What is the minimum and maximum age to take this plan?
Minimum entry age is 3 months, with no upper age limit.
Can Zuno Health Top-Up Insurance be taken for a longer period?
Staying covered for a longer period is a great idea! The policy can be issued for 1,2 and 3 years.
Does Health Top Up And Super Top Up cover Hospital Cash also?
Yes, if you take our Hospital Cash Add-on. You can choose the amount you need while taking this Add-on, from Rs 500 per day to Rs 5,000 per day, depending on the number of days and the deductible amount
Can I have Worldwide Cover if I take Super Top-Up Health Insurance?
Yes, globetrotters need extra protection!
Is AYUSH treatment covered by Zuno Health Top-Up Insurance?
Definitely! We respect your right to choose the treatment that suits you best.
Can I get even more cover than the Sum Insured I choose with Zuno Health Top-Up?
You can, by taking the Restoration Add-on. We will restore 100% of your Sum Insured in case your claims during a policy year exhaust your Sum Insured.
Can I have An example to understand the difference between Health Top Up & Super Top Up Insurance?
Sure! Let's take the case of Mr Mehta. First, let's assume that Mr Mehta has a base plan of Rs 3 Lakhs and a Top-up plan of Rs 6 Lakhs, where the deductible is Rs 3 Lakhs. If he runs up a hospitalization bill of Rs 5 Lakhs, the base plan will cover Rs 3 Lakhs. The remaining Rs 2 Lakhs will be covered by the Top-Up. But what happens if Mr Mehta is hospitalized twice in one year? Suppose the total cost for the first time is Rs 2 Lakhs, and for the second time, it is again Rs 2 lakhs. The first bill will be covered by the base plan of Rs 3 Lakhs. However, for the second time, the base plan will pay only Rs 1 Lakh (that's the balance remaining in his plan). However, Top-Up gets activated only when a single claim amount exceeds the deductible limit. So in this case, it will not get activated, because Rs 3 Lakhs has not been paid from the base plan. Despite having a combined health insurance cover of Rs 6 Lakhs, Mr Mehta will have to pay Rs 1 Lakh from his pocket.
Now assume that Mr Mehta had chosen a Super Top-Up plan of Rs 6 Lakhs with Rs 3 Lakhs as deductible. The first claim of Rs 2 lakhs is covered by his base plan; however, the next time when he again runs up a bill of Rs 2 Lakhs, Rs 1 Lakh will be covered by the base plan and the remaining Rs 1 Lakh by his Super Top-Up plan. So Mr Mehta does not have to pay anything from his pocket.
What is Health 241?
This is our most exciting Add-on. If you choose Health 241 and stay healthy and claim-free in Year 1 of your policy, you don’t pay the premium for Year 2!
What About Cashless claims In Super Top Up Health Insurance?
You can get Cashless treatment at any of our Network Hospitals across India. And don't worry, we have a pretty huge network of good hospitals.
What is a Deductible and how does it work in case of Zuno Health Top Up And Super Top Up Policies?
Deductible is the fixed amount of money that you need to pay, before you claim on this policy. There is a large range of deductible amounts for you to choose from, and the deductible can be crossed in single as well as multiple claims during the policy year.
What are the minimum and maximum Deductibles available under Zuno Health Top Up?
The deductible ranges from as little as Rs 50,000 to as much as Rs 1 Crore.
Are there any special discounts available under Zuno Health Top Up Insurance
You will get a discount when you choose a long-term policy, i.e 7.5% discount for a 2-year policy, and 10% if you take it for 3 years. You can also enjoy an online discount of 15%, if the policy is bought at our website hizuno.com
If my base policy And Health Top Up Policy both have been taken with Health 241, am I eligible for free renewal next year for both policies?
Yes! The renewal premium for both the policies will be waived if you stay healthy and have a claim-free year
What are the main advantages of taking Zuno Health Top Up or Super Top Up Insurance?
There are so many! Here are the main benefits:
* A wide range of Sum Insured and deductible options
* Affordable premium
* Add-ons to reduce the waiting period for pre-existing diseases
* Worldwide coverage as an Add-on
* Long-term discount and discount on online payments
How are these policies useful for young couples?
If you choose the Maternity Add-On, this policy will cover all the expenses related to pregnancy and childbirth up to two deliveries, and the medically recommended lawful termination of pregnancy.
Is Covid-19 covered by Zuno Health Top-Up and Super Top-Up?
Yes, have no worries! This policy will cover the cost of treatment of Covid-19.