Increase Your Health Cover By ₹20L, Starting At ₹529/Yr
Add an extra safety net of insurance coverage with MantraCare’s Super Top-up plan. Available only to employees of companies who are already users of group health insurance plan of MantraCare.
Why super top-up?
Stays with you
Remains valid even if you move out of your company
Covers COVID-19
Covers COVID-19 pandemic where costs can run in lakhs
No medical required
You get pre-qualified without undergoing medical tests
Covers critical illnesses
Tackles life-threatening diseases
Tax benefit
Get tax benefit under Section 80D
Cashless claims
Cashless claims at 7400+ hospitals
Family of four
Covers you, your spouse and 2 kids through a floater cover
Instant policy issuance
Get your cover activated within a short span of two minutes
Additional cover for parents
Cover your parents with separate policies (New purchase: 65 yr, Renewals: 75 yr)
What's Covered?
The pandemic has changed many things; one is how we look at our health. Medical costs are skyrocketing, and equal access to good quality healthcare has become the immediate requirement for everyone in India.
Sum Insured
We partner with your team to ensure we have everything in place to support your goals.
Waiting Period
We seamlessly roll out our digital health and well-being solution and provide tailored ongoing support.
Pre Hospitalisation
We continuously monitor measures of success, explore insights, and implement new experiences.
Post Hospitalisation
We partner with your team to ensure we have everything in place to support your goals.
Zero Copay
We seamlessly roll out our digital health and well-being solution and provide tailored ongoing support.
Room Rent Restriction
We continuously monitor measures of success, explore insights, and implement new experiences.
Frequently Asked Questions
Super top-up is additional coverage of 20 lakhs added to your existing policy. You can avail the additional cover for yourself, and/or for your entire family (self+spouse+2 kids), and/or your parents.
Let’s consider an example with employee Ravi’s policy, which covers Ravi, his spouse, and their children.
Ravi purchased a super top-up for his in-laws with a sum insured of 15 lakhs and a deductible of 2 lakhs. He paid a premium of Rs. 1760 for the year to get the super top-up (880 for his father-in-law and 880 for his mother-in-law).
Unfortunately, Ravi’s mother-in-law needs to undergo treatment that costs 6 lakhs. As the deductible chosen by Ravi is 2 lakhs, he will have to pay the initial 2 lakhs of the bill out of his pocket, or his mother-in-law’s sum insured (if she is covered by another health insurance policy bought separately).
For the remaining 4 lakhs, Ravi can use the super top-up. The sum insured via the super top-up is 15 lakhs. Since 4 lakhs have been utilized, the super top-up balance becomes 11 lakhs (15 – 4).
If Ravi’s mother-in-law is hospitalized again, with a total bill of 8 lakhs, he can use the super top-up to settle the entire bill. The super top-up balance becomes 3 lakhs (11 – 8).
The deductible is the sum that the policyholder has to pay (either via out-of-pocket or another health insurance policy) before the super top-up becomes effective.
The primary member, purchasing the cover, has to be part of the group health insurance cover provided by MantraCare. Individuals with pre-existing diseases are not eligible for the cover.
Yes, the plan is available to individuals of age 75 or below. Dependent children should be of age between 90 days and 24 years.
Family floater plans can include an employee, spouse and 2 children. Yes, parents (up to 75 years) can be covered in separate individual policies.
