Additional coverage kicks in once the deductible threshold is reached
Say, for example, you have a base group insurance policy with a sum insured (deductible) of ₹ 4L and a Nova Super Top-Up Plan of ₹ 20L.
Your Base Policy covers your bill of ₹ 3L
Your Base Policy covers the remaining ₹ 1L (₹3L is already covered through your first hospital bill) and Nova Super Top-Up covers ₹ 5L (super top-up coverage activates once the deductible threshold is reached)
Nova Super Top-Up covers the entire ₹ 8L bill (since the amount has exceeded the deductible threshold for the year which is your base coverage of ₹4L)
Picture extra toppings of your choice, customised to taste!
That’s what we’re referring to when we say Super Top-Ups for you and your team.
Enjoy an additional coverage above and beyond your existing insurance cover. You can top up your existing cover with a Super Top-Up plan that will give you additional coverage of up to 20L at a nominal premium.
We provide benefits that your employees love
Covers COVID-related medical expenses.
Coverage is activated within minutes of application.
No hard copies required or tedious process to follow.
Top-up benefits stay even when you change employers.
Save tax of up to INR 25000-75000, and above 80D limits.
Spouse and 2 children are covered in case of family floater plans.
Ensure customised coverage with superior benefits through Nova’s parental super top-ups
No need to worry about soaring hospital bills. With parental top-ups, your only focus will be ensuring the best care for your parents while their super top-up takes care of the financial coverage.
An increase in age leads to increased premiums. Buying a parental super top-up can help you save money considerably. The only drawback is paying the deductibles from your existing health or corporate plan or your pocket.
Age is no longer a limit. Your parents can avail the benefits of a parental super top-up from the age of 51 and enjoy the benefits of an additional financial blanket for all their medical expenses.
An extra blanket of protection for your team
Extra coverage once you’ve exhausted your deductible (sum insured).
Up to 30 days of pre-hospitalisation expenses covered.
Up to 60 days of post-hospitalization expenses covered
Covers 100% of the eligible medical and hospital expenses.
0-day on injuries/accidents, 30-day on general treatment, and up to 2 years on pre-existing ailments/diseases.
Single private room for non-ICU situations and no limits on ICU.