Super Top-Up Health Insurance: What You Should Know?

What Is Super Top-Up Health Insurance?

Often people wonder what super top-up health insurance is and how it differs from regular health insurance plans. A super top-up policy kicks in when your base health plan sum insured is exhausted. It is responsible for increasing the overall coverage amount along with extra benefits when paired with your base health policy.

However, super top-up health insurance covers your medical care expenses when you have paid out-of-pocket expenses up to your deductibles limit.

Confused much? Worry not, let us understand the workings of a super top-up policy along with the deductible clause in the next section.

What Is Deductible In Super Top-Up Health Insurance?

Before we move ahead with the workings of a super top-up policy let us understand what a deductible clause is under a super top-up health insurance.

A deductible is the amount that you are entitled to pay before your super top-up health plan starts covering your medical care expenses.

You as a policyholder, are free to set up your deductible limit at your convenience. At the time of hospitalisation, you pay the hospital bill out-of-pocket up to the specified deductible limit after which your super top-up health plan takes care of the rest of the medical bill.

How Does Super Top-Up Health Insurance Work?

A super top-up health plan functions similarly to a base health insurance plan offering coverage for hospitalisation expenses, ambulance charges, room rent, etc. Let us understand the functioning of the same with an example:

• Aman purchased a base health insurance plan with a sum insured limit of INR 3 lakhs which covers him, his spouse, and one dependent child
• He realized that his sum insured was not adequate so he purchased an additional super top-up policy with a deductible clause of INR 3 lakhs
• His super top-up policy offered an additional sum insured of INR 4 lakhs
• Unfortunately, a few days later Aman was hospitalised due to a road accident which resulted in total hospital bill of INR 5 lakhs
• Here is how both the plans came into action to help Aman

Who Needs A Super Top-Up Plan?

A super top-up health plan is best for those who have a high-risk medical profile. If you are someone with a medical history or major illnesses in your family, it is an essential tool for getting quality healthcare. A super top-up health plan is also recommended for senior citizens as they are prone to prolonged illnesses and hospitalisations which can drain finances.

How To Choose The Best Super Top-Up Health Insurance?

Things you must keep in mind before investing in a super top-up health plan are:

• Consider the waiting periods for pre-existing conditions if any, when purchasing a super top-up health plan
• Understand the deductibles clause and opt for your deductible amount carefully
• Look for coverage features which match your needs and requirements and fit the bill
• Select an adequate amount of sum insured as a super top-up health insurance is responsible for enhancing your overall coverage including base health plan
• Look at the list of network hospitals available with your super top-up health plan

Health Insurer Network Hospitals

Wrapping It Up

Buying a super top-up with your base medical insurance policy will secure you in times of uncertainty. However, it compulsorily comes with a deductible that may feel like a task to pay out of your pocket. But buying super top-ups is a wise decision to avoid a financial constraint in the future. It can enhance your coverage benefits at a very low additional premium. It comes in handy if you feel the sum insured amount is not enough to manage your medical care expenses.

If you can get much more benefits with just a little more investment, then what's the wait?

Buy only the best super top-up health plans with PolicyX. Now!