What’s the Difference between Top-up and Super Top-up Health Plans?

You might have a health insurance policy, but usually, the sum insured that we choose is not more than Rs 5 lakh. Needless to say that in today’s time, especially during the COVID-19 pandemic, a medical insurance cover of up to Rs 20 lakh is required to pay the hefty hospital bills. Health insurance plans of Rs 1 Crore are also available, but the premiums are also high. In such a situation a Top-up and Super Top-up health plan will come to your rescue. They both sound similar but are quite different.

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    The insurance benefits provided under the Super Top-up health insurance plans are similar to Top-up health plans. Both are used to provide higher insurance coverage while keeping the total premium low. The major difference lies in the fact that a Super Top-up Plan offers coverage for complete hospitalization bills above the threshold limit, whereas a top-up policy only covers a single hospitalization claim above the threshold limit (i.e. the Deductible amount).

    So, if you are planning to buy a top-up health plan or a Super top-up health plan, and want to know the difference between a Super Top-up plan and Top-up plan then you are at the right place:

    To-up and Super Top-up Difference Table

    The difference between Top-up and Super Top-up health insurance plans are given below:

     

    Top-up Health Plan

    Super Top-up Health Plan

    Meaning

    Health insurance cover above the threshold limit or deductibles

    Health insurance cover above the threshold limit or deductibles

    Number of Claims

    Single claim above the deductible limit

    Cumulative bills during a policy term once it exceeds the deductibles

    Deductible Paid

    On every claim

    Once during a policy year

    Example

    Sum Insured

    10 lakh

    10 lakh

    Deductible

    2 lakh

    2 lakh

    Claim 1

    5 lakh

    5 lakh

    Insured Pays

    2 lakh

    2 lakh

    Insurance Company Pays (Claim- Deductible amount)

    3 lakh

    3 lakh

    Claim 2

    6 lakh

    6 lakh

    Deductible

    2 lakh

    -

    Insured Pays

    2 lakh

    -

    Insurance Company Pays (Claim- Deductible amount)

    4 lakh

    6 lakh

    In the above table, both Top-up and Super Top-up plans had a sum insured of Rs 10 lakh. The deductible chosen is Rs 2 lakh. The amount claimed was Rs 5 lakh. And in both the plans the insurance companies paid Rs 5 lakh to the policyholder.

    When the second claim was filed it was Rs 6 lakh. In that case, anyone with a top-up health plan had to pay the deductible amount of Rs 2 lakh and the remaining Rs 4 lakh was paid by the insurer. Super top-up health insurance holders had to pay nothing and the complete claim amount i.e. Rs 6 lakh was paid by the medical insurance company.

    This is where a Super-Top up plan has a slight edge over a Top-up health plan.

    What is a Deductible in Top-up/Super Top-up Plans?

    Deductibles refer to the limit set by the Health Insurance companies. It acts as a safety net for the insurance company and prevents people from filing frequent and trivial medical claims.

    This amount needs to be borne by the policyholder. Deductibles are not covered by health insurance providers. They only pay the amount over and above the deductibles. Basically, the amount of deductibles need to be paid by you and the remaining amount i.e. the excess is paid by the insurer up to the sum insured limit.

    Here is an example to make it clear for you

    Let say your base health insurance policy is Rs 10 lakh and you buy a Super top-up of Rs 5 lakh on top of the base amount. And the deductible is Rs 2 lakh, then the insurance company will pay the bills exceeding Rs 2 lakh and up to Rs 10 lakh. The deductible amount can vary from one plan to another.

    Selecting the Best Option

    According to the experts, to cover the risk of chronic ailments requiring more than one hospitalization in a year, then a Super top-up plan should be your choice. Also, the cost of the premium is low in comparison to buying a separate health plan with higher coverage amount. Moreover, it is suitable for senior citizens, who tend to undergo medical procedures frequently. Super top-up plans with cumulative coverage can be quite beneficial here. To buy a top-up plan or a Super top-up medical plan you can write to us at care@policybazaar.com and call us at 1800-708-8787.

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