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Health Insurance
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Popular Top-Up and Super Top-Up Health Insurance Policies in India
Getting to know more about top-up and super top-up health insurance plans in India and taking a look at the popular policies to opt for so that you can be worry-free in medical emergencies.
With the medical costs on the rise nearly all the time, it calls for some financial planning for the future. Medical emergencies can hit anyone, anytime. It only makes sense then to prepare for them in advance, both mentally and financially. Health insurance offers financial protection in times of need; however, sometimes the need may be even greater than the coverage limit of the policy. In such cases, top-up and super top-up health insurance plans come into use.
Meaning of Top-Up Health Insurance Plan
As the name suggests, a top-up health insurance plan is designed to work as a top-up cover over the base health insurance policy purchased by the policyholder. As is known, a health insurance plan provides coverage up to a specific limit in case of emergencies that require immediate hospitalization.
Now, in case the policyholder requires insurance coverage for an amount higher than the specified limit, he/she would need to purchase an add-on rider cover. However, the additional benefit would cost them higher as well. This is where a top-up health insurance plan enters the picture.
It offers the policyholder the benefit of availing additional coverage over the one that is specified under the base health insurance policy at a relatively lower premium rate. This is the best advantage of taking top-up health insurance – the affordable premium at which one can seek extended insurance coverage.
In case the amount spent by the policyholder on the medical treatment goes beyond what is promised by the insurer under the purchased health insurance plan, the health insurance top-up plan is what one can fall back upon.
Meaning of Super Top-Up Health Insurance Plan
Although top-up health insurance is of great use to the policyholder, especially at a time when they need it the most, it does have certain limitations. Top-up health insurance can only be availed when the specified limit of coverage under the base health insurance plan has been exceeded upon. However, this facility is available just once – in case of one single hospitalization only.
This means that in case the same policyholder/patient needs to be hospitalized more than once, they cannot avail the top-up health insurance plan. However, to take care of this drawback, there is the super top-up health insurance benefit.
Super top-up health insurance allows the policyholder to avail additional coverage over the specific threshold limit more than once. This means that multiple health insurance claims can be raised by the insured for hospital stays more than once. This facility is not generally provided by top-up plans.
Popular Top-Up and Super Top-Up Health Insurance Policies in India
Popular Top-Up Health Insurance Policies 2022
Now that we know what is top up and the different kinds of top-up insurance plans that are available in the health sector, let us take a quick look at some of the most popular ones in India. Listed below are a few of the renowned top-up and super top up insurance plans in the health category.
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Popular Super Top-Up Medical Insurance Plans 2022
Here are some of the best super top up health insurance plans in the country that you may want to consider investing in:
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Over to You
Care Health Supreme and HDFC ERGO Optima Restore are among the best health insurance policies in India today. It is a matter of your priority, coverage depth over cost effectiveness. Here’s a quick recap for you to make an informed decision.
Both offer coverage of up to ₹1 crore; Optima Restore starts at ₹3L, Care Supreme at ₹7L. Supreme offers unlimited recharge; Optima Restore offers 100% once a year, after a claim is made. Care includes OPD + unlimited e-consults; Optima lacks OPD, allows one consultation/year. Care gives a 30% discount + 500% bonus; Optima offers 8% discount + 50% bonus. Care Supreme is costlier but has more features. Optima suits budget buyers; Care fits those needing wider, long-term coverage.
Whichever health insurance plan you choose, ensure to read the policy wordings and seek advice from an expert before you make the purchase. The best health insurance is the one that covers you the way you want to be covered.
Speak to an Advisor Both offer coverage of up to ₹1 crore; Optima Restore starts at ₹3L, Care Supreme at ₹7L. Supreme offers unlimited recharge; Optima Restore offers 100% once a year, after a claim is made. Care includes OPD + unlimited e-consults; Optima lacks OPD, allows one consultation/year. Care gives a 30% discount + 500% bonus; Optima offers 8% discount + 50% bonus. Care Supreme is costlier but has more features. Optima suits budget buyers; Care fits those needing wider, long-term coverage.
Whichever health insurance plan you choose, ensure to read the policy wordings and seek advice from an expert before you make the purchase. The best health insurance is the one that covers you the way you want to be covered.
Author Bio
Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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