Boost Your Health Insurance with a Super Top-up

Published By: Maharastra Times ​

Published Date: 24-05-2022

Basic health insurance often falls short when facing serious medical emergencies. A super top-up plan offers an excellent solution to enhance your health coverage while keeping costs manageable.

The key difference between top-up and super top-up plans lies in how deductibles work. With a top-up plan, the deductible applies to each individual claim, meaning you must exceed the deductible threshold each time to receive benefits. In contrast, a super top-up plan applies the deductible cumulatively across the policy year, offering significantly better protection for multiple claims.

Consider this example: You have a basic policy of ₹5 lakh and a super top-up of ₹15 lakh. If you face a ₹10 lakh medical expense, your basic policy covers ₹5 lakh and the super top-up covers the remaining ₹5 lakh. If another ₹6 lakh expense occurs later that year, the super top-up covers the entire amount because you've already met the deductible requirement.

With a regular top-up, you would need to pay ₹5 lakh out-of-pocket for that second claim, with only ₹1 lakh eligible for assessment.

Super top-up plans often include additional benefits not found in basic policies, such as maternity coverage. While slightly more expensive than regular top-ups, the comprehensive protection they provide across multiple claims makes them invaluable for families.

Don't compromise on health security. By adding a super top-up to your existing coverage, you create a robust financial safety net against unexpected medical expenses, ensuring peace of mind for you and your loved ones.