How to Buy Health Insurance Top Up at Bajaj Markets
Simply follow the below steps to buy a health insurance top-up plan at Bajaj Markets online:
Step 1: Get a quick quote by entering the details of the person being insured.
Step 2: Select the top-up coverage you need.
Step 3: Provide personal details, as requested.
Step 4: Review the policy and verify the details.
Step 5: Make the premium payment online.
Step 6: The insurer will issue the top-up plan on your existing health cover in no time.
What is Covered Under Health Insurance Top-Up Plans?
Here are the types of expenses included under a top-up mediclaim policy:
Health insurance top-up plans cover certain costs related to organ transplantation. These include one week of hospitalisation and a month of medication. Organ procurement costs and expenses incurred by the donor are not included.
A top-up medical plan covers all maternity-related charges. It takes any expenses that may arise from delivery complications into consideration. However, the waiting period is of 12 months to avail the maternity benefit.
Costs incurred on availing day care treatment/hospital facilities are covered. It includes daycare facilities like surgical procedures and hospitalisation for less than 24 hrs.
Pre and Post-Hospitalisation Expenses
Health insurance top-up plans cover all expenses incurred 60 days before and 90 days after hospitalisation. It usually includes doctor’s fees and nurse’s services, ICU and Operating Theatre (OT) usage, rent for the room, and charges for purchasing blood, medicine, and oxygen.
In the event of an accident, a maximum amount of ₹3,000 is provided for transportation per valid hospitalisation.
What is Not Covered Under Health Insu rance Top-Up Plans?
Here are a few types of expenses that are not covered under top-up health plans:
Disease/sickness that is diagnosed during or before purchasing this insurance top-up falls under the ‘exclusion’ category. Medical top-up plan doesn’t cover any condition that is contracted within 30 days of purchasing/starting the top-up plan. Moreover, any surgery that requires joint replacement (except accidents) and has a waiting period of 4 years is not covered.
Treatment Costs for Excluded Diseases
Costs incurred for the treatment of HIV AIDS and other such diseases are excluded from the health top-up plan. You can read about the list of diseases not covered under health insurance before purchasing one. Furthermore, any procedure related to fertility, impotence, subfertility, assisted conception, and sterilisation is not included under the health insurance top-up plan.
Costs incurred in purchasing non-allopathic drugs such as homoeopathic or ayurvedic medicines are not covered under the top-up plan.
Aesthetic and Dental Surgery
Expenses incurred for cosmetic and aesthetic treatments are not included. Also, any expense incurred during dental surgery that doesn’t require hospitalisation won’t be covered.
Why choose Bajaj Markets for Health Insurance Top-Up Plans
Wondering why Bajaj Markets is the right option for top-up health insurance? Continue reading!
A customer base of over 100 million speaks volumes about the trust they have in us. Choose us as your financial partner, and you are sure to enjoy our services too!
No hassles or long waits during claim settlement! We promise superfast claim settlement with no third-party involvement.
You can make the most of Health CDC (Claim by Direct Click)–an insurance wallet app–for instant claim settlement of bills amounting to ₹20,000.
Tailor-Made Insurance Plans
If you are looking for plans that cater to specific needs, you are at the right place! With options like lifetime renewal, we offer the best customised insurance plans.
Now get treated at more than 6,500+ empanelled hospitals across India with a sum insured ranging from ₹3 lakh to ₹50 lakh.
Health Insurance Top-Up Plans vs Regular Health Insurance Plans
Health insurance top-ups are just an extension of regular healthcare plans. Yet, both are different in multiple ways. Let’s understand how a top-up medical plan is different from a base health insurance plan.
Particulars |
Health Insurance Top-Up Plans |
Regular Health Insurance Plans |
Objective |
Health insurance top-up plans are an extension of a base health insurance policy, providing additional coverage. Since it is an add-on cover, you need to pay an extra premium. |
Regular health insurance plans are primary healthcare policies that protect you against unforeseen medical emergencies. The premiums of such base plans depend on the extent of coverage chosen by you. |
Claim Process |
Claim process is straightforward. Depending on the insurer, you can either avail cashless claims or reimbursement facilities. |
The claim process is effortless. Based on your insurance provider, you can make cashless or reimbursement claims. |
Deductibles |
Health insurance top-up plans generally have higher deductibles. |
Regular health insurance plans come with lower deductibles. |
Switching Insurers |
Switching to a different insurance provider can be complicated. |
Switching to a different insurer is easy. |
Type of Plan |
Health insurance top-up plans are purchased over and above your base plan for extra protection. |
Regular health insurance is a standalone plan. |
Health Insurance Top-Up Plan Claim Process
Now that you have a top-up mediclaim policy, let’s check out the step-by-step guide to claim it.
How to File Cashless Claims
Step 1: Inform your insurer about the incident and visit a partner hospital.
Step 2: Submit health insurance plan details and take the pre-authorisation form.
Step 3: The insurer then examines the form, and the hospital is notified about your policy details.
Step 4: Once discharged, the hospital will share medical bills and discharge papers with the insurer.
Step 5: The claim will then be directlysettled with the hospital after reducing the co-payment (if any).
How to Get a Claim Reimbursement
Step 1: Share necessary original medical documents, hospital bills, and insurance claim forms with your insurer.
Step 2: The insurance provider evaluates the details and may ask for any additional information if required.
Step 3: Your claim decision is made post verification.
Step 4: You will receive the claim amount based on the policy terms and conditions.
Documents Required for Filing an Insurance Claim
Here’s a list of documents you need to submit for raising an insurance claim:
Duly filled claim form
Original copy of hospital discharge summary or card
Prescription and cash invoices from pharmacies and the hospital
An investigation report by the doctor
Medical Certificate
Health insurance policy document
In case of an accident, FIR or Medico Legal Certificate (MLC)
