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Difference Between Top Up and Super Top Up Health Insurance Plans

Published On Dec 09, 2020 5:30 AM By Gunjan Anand

Health insurance policies ensure that you are covered financially against the medical expenses that could arise in the future. However, with the increase in the cost of treatment, a health insurance policy alone is not sufficient enough to meet the growing expenses. Hence, opting for a back plan today is of utmost necessity.

What is a Top Up Health Insurance Policy?

A top health insurance plan is basically an additional cover that is given above the existing limit at a nominal premium. This plan acts as a safety net to cover you if you exceed the specified limits. A top-up plan comes into the picture when the sum insured by the policyholder exceeds as typically an insurance provider pays expenses just for the insured sum.

For instance, Mr. Sachin Kirloskar has taken a health insurance plan for a sum insured of Rs 3 lakhs. Unfortunately, he gets diagnosed with cancer, the expenses for which comes out to be around Rs 5 lakh. However, under ordinary situations, his insurer would pay only Rs 3 lakhs and the rest has to be met by him from his own pocket. But, in case he would have opted for a top up plan of Rs 8 lakhs, then this additional cost would be met by his new plan.

To simplify, a top up plan offers protection to a policyholder, once the policy limit is exceeded under a normal health plan.

What is a Super Top Up Health Insurance Policy?

A super top up policy is an advanced form of top up plan, which has certain limitations associated. A super top up plan provides coverage when not just a single claim goes beyond the fixed limit of the health insurance plan but when multiple claims do. Under this plan, a sum total of all the bills is considered, irrespective of the fact if they belong to a single illness or multiple illnesses.

For instance, In the above example, let us suppose that Mr. Kirloskar suffers from one more heart attack after 7 months, the expenses come out to be around 6 lakhs, which goes beyond the top up plan purchased by him as only one claim can be considered. Now, if Mr. Sachin would have opted for a super top up plan with a cover of Rs 8 lakhs and a limit of Rs 5 lakh, then an additional 1 lakh would be paid by the insurer as per the plan.

When is it Appropriate for You to Opt for a Top Up Plan?

Under the following circumstances, it is ideal for a person to opt for a top up plan:

1. When sufficient protection is not offered by the current health insurance plan. Under such circumstances, individuals can opt for a top up plan to enhance their protection.

2. When an individual wants to increase their coverage limit at a nominal premium amount. As the premium for top up or super top up plan is cheap as compared to the premium for a regular policy with similar coverage. Thus, this plan helps an individual in saving money.

Note: Irrespective of the health insurance policy you select, it is always recommended to go understand and go through the health plan carefully. Read the policy document, its exclusions, and inclusions well, prior to making any decision.

Also Read

Top Health Insurance Plans without Co-Payment Feature

Top 10 Health Insurance Plans in India

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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