These policy act like extension to your existing policy
Top-ups at a reasonable cost. Super Top-ups allow you to increase the sum insured by acting as extensions to your primary health insurance policy.
Both of these plans include a deductible- plans become active and begin paying as soon as the costs of your hospitalization surpass this deductible.
Top-Up- It starts to pay when a single claim exceeds the deductible. Super Top-Up – Start Paying When the Total Amount of Claims in a Year Exceeds the Deductible
Top-Up: Comparably less expensive than a super top-up package. Super Top-Up: Premiums are often more expensive.
Top-Up: Higher Expenses each and every hospitalization is factored into the deductible Super Top-Up: Less Expenses. Due to adding up all of the claims for a single year
You must always opt for Super Top-Up plan, as it covers all the risks covered under a Top-Up plan & more.
It starts working once your deductible, which is part of your base plan cover amount, has been met for the policy year.
Super Top up is essentially an addition to your current base health insurance plan that you add to increase its coverage.
Mr. Suresh has Combo Plan. Base Plan + Super Top Up
Example Super Top Plan
Base plan of Rs 5 lakh Super Top- up plan 10 lakhs
Heart surgery in Jan 2022, costing Rs 5 lakhs. This will cover by his base plan
Lets assume Suresh undergoes 2 hospitalization in 2022
Keen surgery in Mar. 2022. Cost is 3 lakhs. Claim process under Super Top-Up Plan.
Top-Up Health Insurance plans help you meet healthcare expenses over & above coverage of your current health Insurance Policy