Coverage Similarity
The coverage under a Group Super Top-Up Health Insurance plan includes all the benefits typically offered under a standard Group Medical Insurance policy. This includes in-patient hospitalization expenses, pre and post-hospitalization expenses, day care procedures, ambulance charges, and more.
Deductible
The deductible is a pre-defined threshold that must be met before the Super Top-Up policy begins to cover the expenses. This deductible is usually covered by the base health insurance policy or out-of-pocket payments by the insured.
Activation of Coverage
Once the medical expenses exceed the deductible amount, the Group Super Top-Up policy is triggered, providing additional financial protection for the insured.
| Feature | Top-Up Plan | Super Top-Up Plan |
|---|---|---|
| Activation | Per claim basis - activates when single claim exceeds deductible | Annual cumulative basis - activates when total annual expenses exceed deductible |
| Multiple Claims | Each claim must individually exceed deductible | Multiple small claims can add up to trigger coverage |
| Cost Effectiveness | Lower premium but limited activation scenarios | Slightly higher premium but broader coverage scenarios |
| Ideal For | Single major medical emergencies | Multiple medical expenses throughout the year |
Cosmetic Treatments
Expenses for cosmetic or aesthetic treatments are excluded unless they are medically necessary due to an accident or illness.
Dental Treatments
Routine dental procedures are excluded unless they are required due to an accident.
Maternity Expenses
Some policies may exclude expenses related to maternity care.
Self-inflicted Injuries
Injuries or illnesses resulting from self-harm or suicide attempts are not covered.
Substance Abuse
Treatments related to alcohol or drug abuse are excluded.
Hazardous Activities
Injuries resulting from participation in hazardous activities or sports are not covered.
Enhanced Coverage
Provides employees with additional coverage beyond the base policy, ensuring financial protection against high medical costs.
Cost-Effective
Helps manage healthcare expenses more efficiently by covering significant medical costs that exceed the deductible.
Employee Satisfaction
Boosts employee morale and satisfaction by offering comprehensive health coverage.
Attract and Retain Talent
Enhances the benefits package, making the company more attractive to potential and current employees.
Tax Benefits
Companies may receive tax deductions for providing health insurance benefits to employees.
Assess Employee Needs
Understand the healthcare needs and demographics of your workforce.
Choose a Suitable Deductible
Select a deductible amount that balances cost and coverage effectively.
Include Critical Illness Cover
Consider adding coverage for critical illnesses to provide comprehensive protection.
Regularly Review the Policy
Ensure the policy remains relevant by periodically reviewing and updating the coverage.
Communicate Benefits Clearly
Make sure employees understand the benefits and how the super top-up plan works with their base policy.
Cost Effective
Affordable Premiums: Lower premiums compared to increasing the base policy's sum insured, making it a cost effective solution.
Managing High Medical Costs
Major Expenses Coverage: Covers significant medical treatments and prolonged hospitalizations that might exhaust the base policy's coverage.
Flexibility
Customizable Deductibles: Choose a deductible that aligns with budget and coverage needs, allowing effective cost management.
Employee Satisfaction
Enhanced Benefits: Increases employee satisfaction and loyalty by providing comprehensive health coverage, aiding in talent attraction and retention.
Tax Benefits
Tax Deductions: Premiums are typically tax-deductible as a business expense, offering additional financial benefits.
Enhanced Coverage
Provides additional financial protection beyond the base health insurance policy.Cost-Effective Solution
More affordable than purchasing a separate high-coverage policy or increasing base policy limits.Talent Attraction
Comprehensive benefits package helps attract and retain top talent in competitive markets.Ready to Protect Your Business?
Get a customized quote in under 2 minutes. No hidden fees, no obligations.
⚡ Instant digital policy issuance • 📞 24/7 support • 🛡️ Zero paperwork claims