SUPER TOP UP : UNIQUE TYPE OF MEDICLAIM

An ADDITIONAL COVERAGE of Mediclaim BEYOND a Chosen Specified Limit,

SO IT ACTS as a Cushion & Comes in to Action When Such Limit Is Exhausted
Salient Features Of Jio Super Top Up Mediclaim
1. Available for All JAIN Shravak-Shravika Members of JIO
2. ENHANCED YOUR SUM INSURED UPTO Rs.20 Lakh at very Nominal
Premium.
3. Available SUPER TOP-UP sum Insured of Rs. 2 Lakh, Rs.5 Lakh and
Rs.10 Lakh
4. FAMILY Floater for Maximum 6 members (1 + 5).
5. Proposer + Spouse ( Husband/wife)
+ 2 Dependent Children Up to 25 years of age
+ 2 Dependent PARENTS OR PARENTS IN-LAWS Up to 85 years
( Any one set of parents to be covered, combination not allowed).
6. Maximum entry age: - Up to - 85 YEARS.. Once enrolled LIFE TIME
renewal possible.
7. NO MEDICAL CHECKUP required.
8. PRE-EXISTING DISEASE Cover from DAY ONE.
9. NO WAITING PERIOD. (Waiting period for 1st year, 2nd year and 4th
year disease are not applicable.)
10. Chemotherapy,Radiotherapy,Dialysis Upto Rs.5,000 per cycle
with no upperlimit. Major Organ transplant surgery to be limited to
50% of Sum-Insured.
11. NO CO-PAYMENT APPLICABLE ON ANY TYPE OF CLAIMS.
12. Opportunity to avoid heavy deduction due to ROOM RENT
LIMITS.
13. PRE-HOSPITALIZATION Medical Expenses up to 30 DAYS
COVERED.
14. POST-HOSPITALIZATION Medical Expenses up to 60 DAY
COVERED.
15. IRDA Daycare procedure are covered.
16. Claims Payable on REIMBURSEMENT BASIS only
17. AYUSH TREATMENT is also covered up to limits defined by
IRDA.
18. Portability available for the policy after a year at the time of
renewal.
19. Proposer will be eligible for DEDUCTION UNDER SEC. 80 D of
Income Tax Act.
POINTS TO BE NOTED FOR “SUPER TOP UP”
20. It ENHANCED YOUR existing mediclaim SUM INSURED
21. This plan is also available for members without any
Mediclaim
22. You can top up any type of your existing mediclaim may it be
JIO Mediclaim, Retail Individual Mediclaim, Family floater
mediclaim or Group Mediclaim by this plan.
23. You can choose from any option as deductible limit
irrespective of your existing mediclaim sum insured.
24. DEDUCTIBLE LIMIT: The chosen amount up to which the
aggregate medical claims of family will not be payable by this super top
up policy incurred during the policy period.
Super Top Up Mediclaim PREMIUM CHART :

With GST

Deductible SI SUM INSURED Rate below 60 Rate above 61 to 85

200000 200000 10,606 17,610

500000 15,909 26,670

300000 200000 8,729 14,634

500000 13,095 21,953

1000000 19,459 32,311

 500000 1000000 13,235 22,187.5

500000 8,824 14,791.3

200000 6,874 11,636.3

1000000 1000000 7,941 13,313

500000 6,188 10,372

200000 4,123 6,913

25. Members who do not have any mediclaim policy can get this
policy with Minimum deductible of Rs.3 Lakh
26. If any member of the family is not covered under any existing
mediclaim policy still he/she can be covered under super top up policy
in family floater. But for that particular member Minimum deductible of
Rs.3 Lakh is applicable at the time of claim.
27. If any member of the family is not covered under any existing
mediclaim policy at the time of claim . Minimum deductible of Rs.3 Lakh
is applicable in such cases.
28. Member can choose SUM INSURED from Rs. 2 Lakh, Rs.5 Lakh
or Rs.10 Lakh.
29. Options of DEDUCTIBLES for Rs. 2 Lakh, Rs. 3 Lakh, Rs.5 Lakh
or Rs.10 Lakh are available. Deductible is amount up to which
member’s base policy will pay the claim and super top up policy will
respond once the deductible amount is exhausted. If the insured does
not have base policy, the insured will have to bear the expenses upto
deductible limit.
30. higher of room rent between super top up sum insured or base
policy sum insured is applicable when claim under super top will be
calculated.
31. Super top up policy will pay all the claims those are falling within
policy period of super top up policy. If base policy sum insured is
exhausted or partially exhausted before inception of super top up policy
then the same will not be paid.
32. Hospitalisation claims incurred during the super top up policy
period for the whole family in one or more occasions once cross the
deductible limit will be paid under the policy.
 PARTNERS
for Super Top Up Mediclaim:

Insurance Company Insurance Brokers : Third Party Administrator

New India Assurance Co Ltd EDELWEISS INSURANCE BROKERS LTD. Vidal Health Insurance TPA