Why super top-up?

Super Top Up

Stays with you

Remains valid even if you move out of your company

virus

Covers COVID-19

Covers COVID-19 pandemic where costs can run in lakhs

medical benefit

No medical required

You get pre-qualified without undergoing medical tests

critical illness

Covers critical illnesses

Tackles life-threatening diseases

tax benefit

Tax benefit

Get tax benefit under Section 80D

cashless

Cashless claims

Cashless claims at 7400+ hospitals

family

Family of four

Covers you, your spouse and 2 kids through a floater cover

cashless

Instant policy issuance

Get your cover activated within a short span of two minutes

parents

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

Sum Insured

We partner with your team to ensure we have everything in place to support your goals.

waiting time

Waiting Period

We seamlessly roll out our digital health and well-being solution and provide tailored ongoing support.

pre hospital

Pre Hospitalisation

We continuously monitor measures of success, explore insights, and implement new experiences.

post hospitalization

Post Hospitalisation

We partner with your team to ensure we have everything in place to support your goals.

copay

Zero Copay

We seamlessly roll out our digital health and well-being solution and provide tailored ongoing support.

room rent machine

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.

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