In General Health Policy, you get coverage up to Rs 5 lakh. If the cost of treatment in a medical emergency is more than Rs.5 lakh, then you have to pay the extra amount yourself.
Top Up vs Super Top Up Plans: You always buy Health Insurance Plan for yourself and your family. After the Corona Pandemic, the public has become very conscious about health insurance. It is the first duty of every person to protect the health of his family. He is ready to do everything for this. Let’s choose the best health insurance plan.
You get this much cover
Now you get coverage of up to Rs 5 lakh in the General Health Policy. If the cost of treatment in a medical emergency is more than Rs 5 lakh, then you have to pay the extra amount yourself.
Top-up and Super Top-up Plans
Today many health insurance companies are offering the facility of Top Up and Super Top Up Plans. Also, you get high risk cover at low premium. Top-up and super top-up plans can be purchased in addition to the basic health insurance policy. The advantage is that if the medical expenses exceed the limit of the general health insurance policy, then the extra amount is paid through top up and super top up plans.
The company is giving offers
In today’s era, the risk of cancer, corona and other serious diseases is increasing. Lakhs of rupees are spent on the treatment of these diseases in hospitals. Keeping in mind this problem of the common man, insurance companies offer health insurance top up and super top up plans.
Understand the additional benefits for rising medical expenses like this
if you have a health insurance policy of Rs 2 lakh. So you buy a top-up plan of Rs 5 lakh with a deductible of Rs 2 lakh. Now with a base policy of Rs.2 lakhs, your total sum-insured policy becomes Rs.7 lakhs. If your claim is Rs.5 lakh. So you can take advantage of Rs 3 lakh from top-up health policy. At the same time, there is a deductible of Rs 2 lakh, which will be paid in the base policy.
What are the benefits
Having a health insurance policy with a top-up or super top-up plan is an added advantage. Both these plans help in increasing your health coverage amount. With their help, additional coverage is ensured in case of a medical emergency. You get tax benefits with these plans.
Both Top-up and Super Top-up plans offer higher insurance coverage with lower premium. Top-up plan is a high deductible policy. It covers the amount above the deductible in the basic policy. The main difference between Top-up and Super Top-up policies lies in the manner in which the deductible chosen under the policy is applied.
High Deductible Health Plan
This is a top-up plan high deductible health plan. Pays for in-patient medical expenses in excess of the prescribed eligible limit. Top up plan is cheaper than super top up plan, deductible is applicable on every claim, whereas in case of super top up plan it is applicable only once in a policy year.
