K M DASTUR & CO ON SBI SUPER TOP UP POLICY AND AYUSHMAN BHARAT

[MOHAN P]

For information.,:

*IMPORTANT MESSAGE FROM K M DASTUR &Co on SBI-GI-STP* for those who subscribed last year and those who may join this year. This is in respect of GOI's Ayushman Bharath Scheme : 👇

We have been getting various enquiries on the Ayushman Bharat scheme which has been extended to senior citizens above the age of 70 years.  and whether our Super top up policy can be extended to persons covered under this scheme.

We wish to inform you that the Stand alone super top up policy offered by K. M. Dastur is available to one and all senior citizens irrespective of which policy / Scheme they are covered. The Super top up can be taken by persons who donot have a single policy or are not covered in any scheme. We have a threshold limit of 3 lakhs post which you can claim under this policy.

To re-iterate once again the first 3 lakhs expenditure incurred towards hospitalization in the policy period have to be borne by the retiree and the remaining amount can be claimed from the Super top up policy. So in that respect if a senior citizen is covered in Ayushman Bharat he can avail our super top up policy for the same.

*_Anahita Daver_* 

*_Senior Executive_*

*_K M Dastur & Co_*

[sailendra kr de]

Since our West Bengal Government are not willing to implement the Ayushman Bharat Pradhan Mantri Jan Aragyo Yojana Scheme in West Bengal and even they are not eager to bear 40% of the total cost of the the Scheme, Please let us know the alternative solution for accepting the TOP UP scheme.

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[Ravindra Kohli]

Mohan ji, namaste,

                  

             I am a pnb retiree and my son had purchased a group medical insurance policy of 7.5 lac from CholaMS being account holder of PNB for last 3 consecutive years. I am also one of the insured members (father) under the said policy. The next renewal is due on 7/11/2024.

Now kindly let me know that if I purchased super top up policy as provided by KMD(go digit gicl) then whether my aforesaid CholaMS group policy will be treated as base policy.

Please advise me and oblige. 

Regards,

Ravindra Kohli 

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[MOHAN P]

Namaste Mr Ravindra Kohliji,

 As we know the super top-up plan extends the coverage of existing health insurance to provide additional financial protection in case of major medical expenses,incurred above Base Policy.

It seems in your case you are not having any base policy in your name where as you are a beneficiary under your son's medi policy.

Even then, if you wish , you can invest in a Top Up health insurance policy  without a base policy in your name.

Only thing is you have to choose a deductible  that you have to pay from your end at the time of claim settlement in the absence of a base policy.

Regards

Mohan.P

To view this discussion on the web visit https://groups.google.com/d/msgid/bankpensioner/CAH%3DoxP0RjfT8M_OT-pLMfH9J1JZ6aRDni--c6Ufc1Lg7kxnfig%40mail.gmail.com.

[Ravindra Kohli]

Sh. Mohan ji 

                   Thank you very much for your kind response. Now it is requested that in AIBRF cir dt 2/10/24 under proposal of go digit gicl it has been mentioned as under:-

"This super top up policy can be taken by any and all retirees who are covered with any other insurance company or even as dependents in the policy of their children". The retirees who do not have a policy can also take a super top up policy.

Even though I may be treated as without base policy. Kindly enlighten me. Regards 

Ravindra Kohli 

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[MOHAN P]

Mr Ravindra Kohilji,

That is what I have informed you.

If base policy is not taken naturally 'deductible' will be applied while claim under super top up policy is made.

So the benefit of super top up policy may be restricted or curtailed.

Regards

Mohan.P

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