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COCO Cure's Super Top Up Policy which is an aggregate deductible policy that allows you to enhance your sum insured as per your need at a lower cost .
A single critical medical condition is capable of upsetting your finances and put you under mental pressure. Considering the alarming medical inflation rate, it is not only essential to have a health insurance coverage, but also having the correct amount of cover to save yourself and your family for higher hospitalization costs.
Buying a large health insurance cover may not be affordable. Hence, we brought you COCO Cure's Super Top Up Policy which is an aggregate deductible policy that allows you to enhance your sum insured as per your need at a lower cost . What's more to have when you have a wider health protection at an affordable price with tax benefit.
Features you'll appreciate
Who can Buy
If You are looking to increase your current individual health insurance sum insured and /want to enhance your current employer's provided health coverage or,
If You have a health insurance provided by employer that may cease due to your retirement or your change of job or,
If You are only looking for coverage over a self-financing capacity, then protect yourself and family now.
Sum Insured Options - You have the option to choose from the below wide range of Deductible & Sum Insured.
Coverage - This policy is designed to offer 11 Core coverage's & 7 Optional coverage's
Waiting Period - We shall not be liable to make any payment under this Policy directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following waiting periods. All the waiting periods shall be applicable individually for each Insured Person and claims shall
be assessed accordingly.
a) 30 days waiting period - 30 days
b) Waiting Period for Named Ailments - 2 Years
c) Waiting Period for Named Mental Illness - 2 Years
d) Waiting Period for Internal Congenital Anomaly - 2 Years
e) Waiting Period Pre-Existing Disease / Conditions - 3 Years
Age Eligibility - Minimum age at entry under this Policy is 91 days and above. There is no limit for maximum age at entry. However, sum insured will be restricted to 10 Lacs with 2 Lacs deductible for age beyond 70 years.
Dependent children between 91 days to 5 years can be covered if either parent is covered under the same policy. There is no maximum cover ceasing age on renewals.
Policy Period Option - Policy can be issued or renewed for one (1), two (2) or three (3) continuous years as per your need and benefits will be applicable on Policy Year basis.
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Sum Insured to Individual & Family - This policy can be issued to an individual on an Individual Sum Insured basis and/or to a family on an Individual Sum Insured or on a Family Floater Sum Insured basis.
Number of members covered under each type of policy are -
Family Composition - Family includes - Self, Spouse, Dependent Children, Dependent Parents and Dependent Parents-in Law.
Income Tax Benefit - Premium paid under the Policy shall be eligible for income tax deduction benefit under Section 80 D as per the Income Tax Act, 1961. (Tax benefits are subject to change as per the tax laws).
What are the Exclusions?
We will not make payment for a claim resulting directly or indirectly from or attributable to any of the following :
STANDARD EXCLUSIONS APPLICABLE TO ALL POLICIES
Breach of Law - Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.
Chemical and Nuclear Exposure - We will not pay for the treatment costs directly or indirectly caused by or contributed to or arising from Nuclear Weapons/materials, radiations of any kind, contamination by radioactive material, nuclear waste, nuclear fuel or from the combustion of nuclear fuel, chemical or biological Weapons.
Covered
Medical Expenses incurred for a day care procedure/ treatment/ surgery as an Inpatient requiring less than 24 hours of hospitalization due to advancement in medical science. Any treatment in an Out-Patient Department (OPD) is not covered
Covered Up to 60 days
Post-Hospitalization Medical Expenses incurred immediately after the Insured Person's discharge from the hospital up to 60 days. Claim under In Patient hospitalization or Day Care Treatment must be admissible.
Covered Up to 30 days
Pre-hospitalization Medical Expenses incurred immediately before the Insured Person's hospitalization up to 30 days. Claim under In-Patient hospitalization or Day Care Treatment must be admissible
Covered Uto the sum insured
Medical expenses incurred for in-patient hospitalization for the treatment taken under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homoeopathy in a government hospital, teaching hospitals of AYUSH colleges and AYUSH hospitals recognized by a government authority up to the sum insured
Covered
Family Covered in this Policy
36 months
Expenses related to the treatment of a Pre existing disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer
Covered
If the Policy Sum Insured is exhausted due to claims paid during the Policy Year, then We will reinstate the amount equivalent to the Deductible amount opted or sum insured whichever is less,
Applicable as per the age
If the entry age of the Insured Person at the first inception of policy with Us is 61 years or above, the CoPayment on each and every claim will be applicable on the admissible claim amount as per the below grid on. 61-79 years - 10% 80 Years and above - 20%
Covered
Domiciliary Hospitalization i.e.treatment at home (including pre and post Hospitalization medical expenses) if medical treatment is continuously required for at least three (3) days, in which case the cost of medical treatment for the entire period shall be payable subject to: (i) Your condition is such that you are not in a condition to be removed to a Hospital, or (ii) You take required treatment at home on account of non-availability of room in a Hospital.
