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A Super Top-Up Policy is a type of health insurance supplement that offers additional coverage beyond your existing health insurance limits. It's designed to provide an extra layer of financial protection once the threshold of your primary health insurance policy, often referred to as a deductible or threshold limit, is exceeded. Here’s how it works and why it can be beneficial:
This is the key feature of a super top-up policy. It refers to the amount that needs to be exhausted or paid (from your pocket or through another base health policy) before the super top-up policy begins to pay out. This amount is also known as the aggregate deductible, which can be met through multiple claims in a year.
| Base Health Insurance Policy | Super Top Up Policy |
|---|---|
| 3 lakh Coverage | ₹10 lakh coverage with a ₹3 lakh deductible |
Once your total medical expenses in a policy year exceed the deductible, the super top-up policy kicks in to cover additional costs. This is particularly useful in cases of high or multiple hospitalization expenses.
Since these policies only cover expenses that exceed the deductible, they are generally more affordable than increasing the sum insured of your primary health insurance policy.
Similar to other health insurance, super top-up plans can cover the entire family under a single policy, making it a cost-effective way to increase the health coverage of your loved ones.
You can choose a deductible that matches the coverage of your existing health insurance, allowing you to tailor the super top-up policy to your financial and medical needs.
Super top-up policies are ideal for individuals who already have a basic health insurance policy but want to secure themselves against higher medical expenses without paying a significantly higher premium. They are especially useful in today’s age of rising medical costs and frequent lifestyle-related health issues.