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What is a Super Top-Up Health Insurance Plan?

Posted On : 13 January 2021, 3 Years Ago. Health-Insurance Total Read 2791

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As the medical landscape of the world evolves and becomes more important than ever, individuals and families alike are seeking the best options to keep themselves both financially as well as medically prepared. To that end, options like super top up health insurance plans are becoming a popular policy option because of the benefits they offer over general health policies. If super top up health insurance has also been on our mind, here’s what you need to know to be rest assured that you are choosing the right health insurance policy for you.

What is Super Top Up Health Insurance?

A regular healthcare insurance plan offers a set amount of coverage and comes with a threshold limit. If your medical expenses exceed this limit, you become liable to pay off the remaining amount out of your own pocket. However, with a top-up health plan, you can extend this available limit for your health policy as and when required.

With a top up health insurance plan, you can exceed the threshold limit for your coverage for a single medical claim or hospitalisation per year of the policy. Any further medical expenses or hospitalisation within that year will not be covered under the top up health insurance plan. However, with super top ups health insurance plans, you can avail this same benefit for multiple medical claims and hospitalisations in a year. It is also worth noting that super top policies are available as both individual health insurance as well as family health insurance plans.

Difference Between a Super Top-Up Health Plan and a Regular Health Policy

A regular healthcare insurance plan offers a set amount of coverage benefits and comes with a threshold limit. If your health expenses exceed this limit, you become liable to pay the remaining amount out of your own pocket. However, with a top-up healthcare insurance plan, you can extend this available limit for your healthcare policy as and when required.

Top-up health insurance plan provides a single claim above the threshold limit with a deductible paid on every claim, whereas super top-up provides cover above the threshold limit on cumulative bills in the policy tenure with a deductible paid once during the policy year.

Advantages of a Super Top-Up Healthcare Insurance Plan

In recent times you may have seen how unpredictable the health environment has become. These are the times when health issues are not just limited to elderly people but to young ones as well. So, anyone can plan to buy a super top-up plan. But if you are already suffering from pre-existing diseases and health-related history or you have senior citizens at home, it is crucial to buy such policies as there are high chances of medical requirements in future. Here are a few benefits of the Super top-up plan:

One-time Payment - You have to pay deductibles only once. The insurer will take charge of any other medical expenses.
Cashless Treatment - in case of large sums of money that medical expenses may demand, cashless treatment is the best benefit one can avail for.
COVID-19 Treatment - The super top-up plan also provides coverage for COVID-19 treatment. It would cover the cost of hospitalisation and any other medical expenses incurred during the treatment.
An Affordable option for Senior Citizens - The cost of treatment rises with the increase in age. Senior citizens are at high risk of getting critical illnesses. Thus, super top-up provides higher coverage multiple times with a fixed premium.

How to choose the best Super Top-Up Health Plan?

There are a variety of insurance companies offering different plans to cater for the needs of the consumers, but you should make a wise decision while purchasing any group health insurance policy health policy. Some key factors to keep in mind before making a purchase decision:

Deductibles - Deductibles are the limit set up by health insurance companies, the expenses of which are borne by the policyholders and not the insurer. Make sure to check the deductible limit, as there is no sense in buying a plan with high deductibles as the amount is not borne by the company.
Hospitals Covered Under Super top-up - You should verify the list of hospitals accessible as it makes differ from the network hospitals available in your regular coverage.
Benefits Available - Make sure that your basic and advanced medical requirements for various kinds of treatments are covered in your plan. The benefits of the policy must be above the premium you pay.

Conclusion:

When buying health insurance plans, whether for yourself, a loved one, or your entire family, it is important to take into the long-term value of your health policy. The best super top up health insurance plans in the industry is capable of providing such value, particularly when you consider the rising costs of medical procedures and hospitalisations.

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