by paybima

Difference Between a Top-up & Super top up Health Insurance Plan

A top up insurance plan is a health insurance plan where you choose the sum insured and the deductible limit.  Thereafter, if you incur a claim which is more than the deductible limit, the top up medical insurance plan pays the excess claim.

What is a Top-up Health Insurance Plan?

A super top up plan is like a top up plan but with one main difference. Under super top up health insurance plans, cumulative claims made in a policy year are measured against the deductible.. If the aggregate value of all the claims exceeds the deductible, the excess claim would be paid.

What is a Super top up Health Insurance Plan?

Difference Between top up and Super top up Health Insurance

Top-up Health Insurance

>> The plan pays the claim if an independent claim exceeds the chosen deductible limit

Super Top-up Health Insurance

>> The plan pays the claim if the aggregate value of all claims occurring in a Policy year exceeds the chosen deductible limit

>> The premiums are lower

>> The premiums are comparatively higher than top up plans but substantially lower than Regular Health Plans

Benefits of top up Health Insurance and Super top up Health Insurance Plans

Increase the Health Insurance Coverage

Affordable Coverage

Sufficient Coverage Against Multiple Claims in A Year

Comprehensive Coverage

Flexibility

Have Questions in Mind?

Can I buy both top up and super top up in health insurance policies?

Can I buy a super top up policy on a family floater basis?

What is the coverage duration of super top up plans?

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