What expenses are not covered under the policy?

Exclusions include cosmetic surgeries, self-inflicted injuries, substance abuse-related illnesses, experimental treatments, and non-medical expenses. Always review the policy wording to understand specific exclusions clearly.

Who can buy the Care Super Top-Up plan?

Adults aged 18–65 years can purchase it, while children can be included under a family floater. It suits individuals, couples, and families seeking affordable higher medical coverage.

Is a medical check-up required to buy this policy?

Not always. Many applicants, especially younger individuals, can purchase the plan without medical tests. However, tests may be required if you disclose pre-existing illnesses or higher risk factors.

Are pre-existing diseases covered?

Yes, pre-existing diseases are covered after completing the mandatory waiting period mentioned in the policy. Once the waiting period ends, related treatments and hospitalisations become fully eligible for claims.

How can I file a claim under this plan?

You can file a cashless claim at network hospitals or reimbursement claim at any hospital by submitting documents and medical records within the specified timelines for smooth processing.

Does the plan offer tax benefits?

Yes, premiums paid for Care Super Top-Up qualify for tax deductions under Section 80D, allowing you to reduce taxable income while securing extra coverage for yourself and your family.

What does the deductible mean in this plan?

A deductible is the fixed amount you must first pay or claim from your base policy. After this amount is crossed, your Care Super Top-Up coverage becomes active for remaining expenses.

Are modern and advanced treatments covered?

Yes, the plan includes several modern and advanced medical treatments such as robotic surgeries, advanced diagnostics, and minimally invasive procedures, depending on the specific plan terms and conditions.

Can my family be included under one plan?

Yes, the family floater option allows you to cover your spouse, children, and dependent parents under a single policy, sharing one sum insured for added convenience and affordability.

Does Care offer cashless treatment?

Yes, cashless treatment is available at over 20,000 network hospitals across India. You can receive treatment without paying upfront, and Care directly settles approved medical expenses with the hospital.

What is the maximum sum insured available?

Care Super Top-Up offers high coverage options, going up to several crores depending on the plan variant and your eligibility. This ensures strong financial support during expensive medical treatments.

What is Care Super Top-Up Health Insurance?

Care Super Top-Up is an affordable plan that offers additional coverage once your deductible or base insurance limit is exhausted, helping you handle large medical bills without increasing your base policy premium.

Do I need a base policy to buy this plan?

Yes. This Super Top-Up plan activates only after your base health insurance or chosen deductible amount is crossed, making it a cost-effective way to enhance your overall health coverage.

What expenses are covered under this plan?

It covers hospitalization, ICU charges, room rent, surgeries, doctor consultations, ambulance services, organ donor costs, and multiple day-care procedures, offering broad financial protection against major medical expenses.

Is the Care Super Top-Up plan renewable for life?

Yes, the plan offers lifelong renewability, allowing uninterrupted coverage. You can continue renewing it every year without age restrictions, ensuring long-term health protection for your family.

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Care Super Top-up Health Insurance Plan

Why is a Super Top-Up a Smart Choice?
A Super Top-Up is a smart choice because it offers significantly higher coverage at a fraction of the premium of a regular plan.

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97%

Claim Sеttlеmеnt Ratio:

20,000+

Nеtwork Hospitals

15+ Lakh

Total Claims Sеttlеd

Less than 2 Hours

Cashlеss Claim Approval

Our Verdict

Our Verdict on Care Super Top-Up Health Insurance

Pros

Lifelong renewability with easy digital purchase and claim support.

Flexible deductible choices to match different budgets and existing base policies.

Coverage for modern treatments, day-care procedures, and major hospital expenses.

High sum insured options at very affordable premiums.

Cons

Cashless network strength varies by city and can be improved in smaller towns.

Some advanced treatments may have sub-limits depending on the plan.

Co-payment may apply for certain age groups or policy types.

Pre-existing disease waiting periods can feel long for some buyers.

Pros

Lifelong renewability with easy digital purchase and claim support.

Flexible deductible choices to match different budgets and existing base policies.

Coverage for modern treatments, day-care procedures, and major hospital expenses.

High sum insured options at very affordable premiums.

Cons

Cashless network strength varies by city and can be improved in smaller towns.

Some advanced treatments may have sub-limits depending on the plan.

Co-payment may apply for certain age groups or policy types.

Pre-existing disease waiting periods can feel long for some buyers.

Final Verdict

Care Super Top-Up Health Insurance is a strong choice for individuals and families seeking large coverage at minimal cost. It works particularly well for those who already have a base health insurance policy but want extra protection against rising medical expenses. The plan’s flexibility in deductibles and high sum insured...

Care Super Top-Up Health Insurance is a strong choice for individuals and families seeking large coverage at minimal cost. It works particularly well for those who already have a base health insurance policy but want...

Care Super Top-up Health Insurance Plan

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

Factors to Consider While Buying Care Super Top Up Mediclaim Policy

Assess Your Existing Coverage

Review your current health insurance to see whether it sufficiently covers rising medical costs. A Super Top-Up is useful if your base sum insured falls short.

Choose the Right Deductible

Select a deductible that aligns with your financial comfort. Higher deductibles reduce premiums but increase your out-of-pocket expense before the policy activates.

Consider Your Family Size

For families, opting for a family floater plan is cost-effective and easier to manage, offering shared coverage for all members.

Evaluate Health Needs

Ensure the policy supports your specific medical requirements, especially if you or dependents have ongoing health conditions.

Check Premium Affordability

Pick a premium structure that fits your budget. Aim for strong coverage without creating financial pressure.

Assess Your Existing Coverage

Review your current health insurance to see whether it sufficiently covers rising medical costs. A Super Top-Up is useful if your base sum insured falls short.

Choose the Right Deductible

Select a deductible that aligns with your financial comfort. Higher deductibles reduce premiums but increase your out-of-pocket expense before the policy activates.

Consider Your Family Size

For families, opting for a family floater plan is cost-effective and easier to manage, offering shared coverage for all members.

Evaluate Health Needs

Ensure the policy supports your specific medical requirements, especially if you or dependents have ongoing health conditions.

Check Premium Affordability

Pick a premium structure that fits your budget. Aim for strong coverage without creating financial pressure.

Super Top Up

Inclusions & Exclusions of Care Under Super Top Up Health Insurance Plan

Here are the main coverages included and and exclusions of Care health insurance super top up:

Inclusions

Domiciliary treatments are covered when hospitalisation is not possible.

Emergency ambulance charges are included.

Organ donor medical expenses are covered.

ICU/ICCU expenses are covered within policy limits.

Daycare procedures that don’t require 24-hour admission are included.

Pre- and post-hospitalisation costs covered for a specified number of days.

Covers hospitalisation expenses including room rent, surgery, doctor fees, and nursing after deductible.

Exclusions

Unproven, experimental, or alternative treatments not recognised by the insurer are excluded.

Injuries due to self-harm, alcohol, or drug abuse are excluded.

Maternity, childbirth, and fertility-related treatments are not covered unless specified.

Cosmetic, aesthetic, and plastic surgeries are excluded unless accident-related.

Non-medical and administrative expenses are not covered.

Illnesses diagnosed within the initial 30-day waiting period are excluded (except accidents).

Pre-existing diseases are not covered until the waiting period is completed.

Inclusions

Domiciliary treatments are covered when hospitalisation is not possible.

Emergency ambulance charges are included.

Organ donor medical expenses are covered.

ICU/ICCU expenses are covered within policy limits.

Daycare procedures that don’t require 24-hour admission are included.

Pre- and post-hospitalisation costs covered for a specified number of days.

Covers hospitalisation expenses including room rent, surgery, doctor fees, and nursing after deductible.

Exclusions

Unproven, experimental, or alternative treatments not recognised by the insurer are excluded.

Injuries due to self-harm, alcohol, or drug abuse are excluded.

Maternity, childbirth, and fertility-related treatments are not covered unless specified.

Cosmetic, aesthetic, and plastic surgeries are excluded unless accident-related.

Non-medical and administrative expenses are not covered.

Illnesses diagnosed within the initial 30-day waiting period are excluded (except accidents).

Pre-existing diseases are not covered until the waiting period is completed.

Care Super Top-up Health Insurance Plan

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Super Top-up

Claim Process for Care Super Top-up Health Insurance Policy

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FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.