Frequently asked questions

It supplements your existing medical insurance,covers one against medical emergency in case of exhaustion of the basic cover,covers one against medical emergency in case of change in job and supplements your savings when the treatment costs exceed your savings.
Health Suraksha top up plus is open to individuals from the age of 91 Days to 65 years. However there will be no exit-age for ceasing of the cover.
No pre policy medical check-up is required for individuals upto 55 years.
Yes, you can avail upto Rs.15,000 as tax benefit under ‘Section 80D’. In case of senior citizens, you can avail upto Rs.20,000 as tax benefit under 'Section 80D'.
Pre-existing diseases refers to any condition, ailment, injury or illness that you have been diagnosed with or had symptoms of before taking your first policy.
Pre-existing diseases will be covered in Top Up only after 48 months of continuous coverage.
Yes, there is a waiting period of 48 months (or 4 years) for before Health Suraksha Top Up starts covering the pre-existing diseases.
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