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Health Insurance 1033 views May 11, 2021
If you have a comprehensive health insurance plan and want to extend your coverage amount, buy a top-up plan. Under a top-up plan, you’ll get coverage beyond the base policy sum insured. The top-up plan comes with a deductible option, which means the claim under the plan is admission only if the medical expenses cross the deductible limit. There are two types of top-up plans – Basic Top-up & Super Top-up. Continue reading this post below to know the difference between top-up and super-top health insurance plans, and the better of the two.
Table of Contents
A basic top-up plan is admissible per hospitalization in a policy year if the medical expenses are more than the deductible limit. If your first, second, third or any subsequent claims do not exceed the deductible limit in a policy year, the top-up plan will not be admissible for the claim.
Illustration
Suppose you purchase a basic top-up plan with a sum assured of INR 5 Lakh and a deductible of INR 2 Lakh. Now, if you get hospitalized due to any covered illness or injury and the total hospital bill is INR 1.5 lakh, the basic top-up plan won’t cover the medical expenses as it is under the deductible limit. Later that year, if you have been hospitalized again and the hospital bill goes up to INR 3 Lakh, the top-up plan will cover INR 1 Lakh (3-2) from the hospital bill while you have to pay the remaining on your own.
Super top-up plan is admissible for total admissible claims where the deductible limit is crossed. This plan becomes active for subsequent claims taking account of your previous claims in that policy year.
Illustration
Suppose you have a super top-up plan with a maximum sum insured of INR 5 Lakh and a deductible of INR 3 Lakh. Now, if a claim arises within the policy year, and the claim amount is INR 1.5 lakh, it means the super top-up won’t cover the medical expense as the claim amount doesn’t exceed the deductible limit. Later that year if the second claim of INR 2.5 lakh arises, the super top-up plan covers INR 1 Lakh of the medical expenses, as the total number of admissible claims in a year exceeds the INR 3 lakh limit.
Things to Know Before Buying Top-up Plans
Check out the below top-up plans and choose the one that suits you the best –
Policy Name | Sum Assured (In INR) | Deductible (In INR) |
---|---|---|
HDFC ERGO Health Suraksha Top Up Plus | 3-10 Lakh | 2-4 Lakh |
Bajaj Allianz Extra Care Plan | 10-15 Lakh | 3-5 Lakh |
Star Health Super Surplus | 10 Lakh for Silver Plan 5 Lakh to 1 Crore for Gold Plan | 5 and 10 Lakh for Silver Plan 3-25 Lakh for Gold Plan |
United India Super Top-up Plan | 3-15 Lakh | 2-5 Lakh |
Care Health Enhance Plan | 1-30 Lakh for Enhance 1 45/55 Lakh, 40/50 Lakh, 35/45 Lakh, 30/40 Lakh for Enhance 2 | 1-10 Lakh for Enhance 1 5, 10, 15, 20 Lakh for Enhance 2 |
HDFC ERGO Optima Plus Plan | 5 Lakh | 1-5 Lakh |
Oriental Super Health Top-up Policy | 3-30 Lakh | 3-20 Lakh |