Group Health Super Top Up
Boost your health
insurance plan
Enhance your existing cover
About the Policy
RQBE’s Group Health Super Top Up plan covers the hospital bills up to the limit specified in your super top-up plan over and above the selected deductible amount.
Raheja QBE’s Group Health Super Top Up insurance is a collective health insurance plan for employees and their family members of companies, organisations, customers/members of bank, housing societies or any such affinity group.
Important details
Features
Basic Covers
- Impatient Hospitalisation
- Day care Treatment
- Domiciliary Treatment
- Pre & Post Hospitalisation
- Home Care Treatment
- Advance Treatment
- AYUSH Benefit
Addon Coverages
- Organ Donor Cover
- Maternity
- Baby Day one Cover
- Pre and Post Natal Expenses
Please refer to the Policy Wording for a complete list of coverages and it’s terms and conditions.
Exclusions
Standard Exclusions (Which can be waived off)
- Pre-existing Disease
- Specific Illness Waiting Period
- 30 Days waiting period
- Obesity & Weight control
- Hazardous & Adventure Sports
- Refractive Error
General Exclusions (Which Cannot be waived off)
- Investigation & Evaluation
- Rest Cure, rehabilitation, and respite care
- Change-of-Gender treatments
- Cosmetic or plastic Surgery
Please refer to the Policy Wording for a complete list of exclusions.
Downloads
Understanding Deductibles
What is deductible?
Deductible is a fixed amount paid out-of-pocket by an insured for the medical expenses before an insurance company pays the balance cost.
What is aggregate deductible?
Sum total of all the claims incurred by the insured during a one policy period mentioned in policy schedule.
How does aggregate deductible work?
Here’s an example to explain this. Assuming you bought a “Group Health Super Top- up” policy with Rs. 5 lacs aggregate deductible and Rs. 10 lacs sum insured. Now, during the policy period if there are 1 or more claims greater than Rs. 5 lacs then Group Health Super Top-up will pay you the balance amount incurred, up to maximum of Rs. 10 lacs. And, that’s how the aggregate deductible works. For better understanding please review the table below:
| Particular | No of claims in a Year | Amount |
| A | Claim 1 | 3,00,000 |
| B | Claim 2 | 2,00,000 |
| C | Claim 3 | 2,00,000 |
| D | Total Claims in a Year (A+B+C) | 7,00,000 |
| E | Aggregate Deductible as per policy | 5,00,000 |
| F | Sum Insured Coverage as per policy | 10,00,000 |
| G | Claim Payable (D-E) | 2,00,000 |
| H | Balance Sum Insured (F-G) | 8,00,000 |
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