50 lakh Super Top-up Health Insurance Plan

Explore the features and benefits, and other coverage details of super top-up health plans with Rs. 50 lakh coverage.
Get Quote
50 lakh Super Top-up Health Insurance Plan
Get Quote
3 min
27-December-2024

In today's world, healthcare costs are rising at an alarming rate. A routine check-up or a medical emergency can result in huge medical bills, taking a toll on your finances. Therefore, it is essential to have a health insurance plan to cover yourself and your loved ones. However, many people often find that their health insurance coverage is not sufficient to cover all their medical expenses. This is where a super top-up health insurance of Rs. 50 lakh comes in handy. Let us have a closer look at such plans and how they can benefit you.

What is a super top-up health insurance plan?

A super top-up health insurance plan serves as a supplemental coverage option, providing additional financial support when your primary health insurance coverage falls short. In essence, it acts as an umbrella over and above your existing health insurance, offering extended protection against hefty medical bills.

Benefits of having a 50 lakh super top-up health insurance plan

Here are some advantages that a super top-up plan offers in addition to your regular health insurance plans.

  • Comprehensive coverage: A 50 lakh super top-up plan ensures that you are adequately covered against substantial medical expenses, leaving no room for financial strain during critical times.
  • Cost-effective premiums: Despite the extensive coverage, super top-up plans often come with affordable premiums compared to upgrading your primary health insurance to a higher sum insured.
  • Flexibility in utilisation: You have the flexibility to utilise the coverage amount for a single significant illness or multiple hospitalisations within the policy period, giving you control over your health expenses.
  • No Claim Bonus advantage: Some super top-up plans offer No Claim Bonus or cumulative bonus, rewarding you for maintaining a healthy lifestyle and not making claims during the policy tenure.
  • Family protection: The 50 lakh super top-up plan extends its protective wings over your entire family, ensuring that each member is shielded against unforeseen health crises.

Also, read - How to download Ayushman card


Super top-up health insurance plans in India

Bajaj Finance, in partnership with leading health insurance companies in India, offers affordable super top-up health plans. These plans, accessible through the Bajaj Finance Insurance Mall, are crafted to cater to the changing healthcare requirements of individuals and families.

Amidst the diverse range of health insurance products, super top-up plans emerge as a pivotal element. They grant policyholders the flexibility to opt for substantial sum insured options, providing a safety net of up to Rs. 50 lakh. This extensive coverage ensures that individuals and their families are financially prepared for any medical emergency.

Explore the super top-up health plans available through the Bajaj Finance Insurance Mall in the featured products section below.

Medical expenses covered under 50 lakh super top-up health insurance plans

Common inclusions under a 50 lakh super top-up health insurance plan, includes:

  • Hospitalisation expenses: Covers room rent, ICU charges, nursing fees, and other hospitalisation-related expenses.
  • Surgical procedures: Includes expenses for surgical procedures, surgeon's fees, anesthesia, and operation theater charges.
  • Diagnostic tests: Covers costs associated with diagnostic tests such as blood tests, X-rays, MRIs, and CT scans.
  • Medication costs: Includes expenses for prescribed medications, injections, and medical supplies during hospitalisation.
  • Pre- and post-hospitalisation: Covers medical expenses incurred before and after hospitalisation for a specified period.
  • Ambulance charges: Reimburses ambulance charges for transporting the insured to and from the hospital in case of emergency.

Who should buy a 50 lakh super top-up health plan?

The 50 lakh super top-up health insurance is tailor-made for individuals who seek robust financial protection against severe illnesses and hefty medical bills. This plan is ideal for:

  • High-risk professions: Individuals engaged in high-risk professions where the likelihood of accidents or health complications is elevated.
  • Families with a history of critical illnesses: Families with a history of critical illnesses may find the 50 lakh super top-up plan particularly beneficial, providing a safety net for potential medical expenses.
  • Individuals in their prime years: Young professionals in their prime years can secure their future by investing in a 50 lakh super top-up plan, ensuring a buffer against unexpected health challenges.
  • Parents and senior citizens: For parents and senior citizens, this plan acts as a reliable financial cushion, safeguarding them against the escalating costs of healthcare in their later years.

A 50 lakh super top-up health insurance plan provides you with an additional layer of protection and financial security in case of medical emergencies. The benefits of having a super top-up plan include higher coverage amounts, comprehensive coverage, cost-effectiveness, and tax benefits, among others. It is suitable for people who want to enhance their existing health insurance coverage.

Frequently asked questions 

What is a 50 lakh super top up health insurance plan?

A 50 lakh super top up health insurance plan is an insurance policy that provides coverage over and above an existing health insurance plan. This policy is designed for individuals who want additional financial protection in case their existing health insurance is insufficient to cover the cost of medical treatment.

What does the term super top up mean?

The term super top up refers to a type of health insurance policy that provides additional coverage on top of an existing health insurance plan. This type of policy is usually purchased by individuals who are looking to enhance their existing health insurance coverage and protect themselves against unexpected medical expenses.

Do I need to undergo a medical check-up before purchasing a 50 lakh super top up health insurance plan?

Depending on the insurance provider, you may or may not need to undergo a medical check-up before purchasing a 50 lakh super top up health insurance plan. It is best to check with the insurance provider for specific details on their policy requirements.

What is the premium for a 50 lakh super top up health insurance plan?

The premium for a 50 lakh super top up health insurance plan varies depending on the insurance provider, the policy terms and conditions, and the individual's healthcare needs. It is best to compare different insurance policies and premiums before making a purchase.

Show More Show Less

Related videos

Bajaj Finserv app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-qualified limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

GET THE APP

Disclaimer

*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services.  Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.