Increase Your Health Coverage with Super Top Up Policies


Recently a friend of mine approached me with an interesting question. He had his company health insurance coverage of 3 Lakhs and his own personal health insurance of another 3 Lakhs. He wanted to increase the coverage of his personal health insurance because he felt that a mere 3 lakh coverage would be very insufficient with the rising cost of treatments. In the current scenario, a coverage of 3 Lakhs or even 5 lakhs may become inadequate.

I suggested him a Super Top Up policy, which would work along with his current policy, without having to   increase the coverage of his personal health insurance. He was hearing about such a policy for the first time.

Many of us face similar situations as most of the organizations, irrespective of whether government or private, provide all their employees with a basic health insurance coverage of up to 3 L or 4 L.  So, the ideal way to enhance the health insurance coverage in the most economical way is to buy a Super Top Up policy. Super Top policies complement the basic health policies.

Super Top Up health policies are health insurance policies which will trigger when your hospital bill amount goes above the deductible amount. Suppose one has got a basic insurance policy of 3 Lakhs (known as deductible amount) and a Super Top Up policy of 12 Lakhs. And on hospitalization if the bill amount comes to 4 lakhs, instead of paying one Lakh from his pocket, he can use this Super Top Up policy to complete the payment of the pending 1L Rupees. In simple terms, it is like carrying a spare tyre with you which will support you in case of an emergency.

Super Top Up policy coverage is available with variable deductible amount like 3 Lakhs, 4 Lakhs & 5 Lakhs. Super Top Up policies will work with any type of basic health insurance policy irrespective of the insurer.

Super Top Up policies work in the same manner as any other basic health policy. It covers pre & post hospitalization expenses. Super Top Up policies also have a waiting period of 30 days from the date of purchase.

By the way, one needs to be aware that Top Up policy and Super Top Up are different as they work differently. There are more limitations for Top Up policy, hence always insist for a Super Top Up policy.

Normally super top up policies do not require a pre-medical health check up till 55 years. Also, unlike the basic health policy, the age slabs for change in premium are much wider. Eg. For HDFC  ERGO Medisure Super Top Up policy, age slab for change in premium is 45-60 & above 60.

The benefit of Super Top Up policy can be seen in the illustration below. For a 37-year-old person as family head with 4 members in the family, for 15 L coverage, if the combination of 5L regular policy and 10 L super Top Up policy is used, the premium amount is only 19297 in comparison to the regular  policy premium of 25000. And for the same coverage for a 57-year-old person, the premium will be 36212 and 48866 respectively. (Source: HDFC ERGO)

Super Top Up policies are much more affordable and economical. One can take a Super top up policy even if you don’t have a basic health insurance cover. Super top up policies are available for individual and family floaters. The premium paid for Super top up is eligible for tax benefit under Sec 80 D.


For more details on Super Top Up policies, contact George Jacob on 8547442952.

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