Top Up Health Insurance Plan & Super Top Health Insurance Plan-What are they?

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• Dear Basuji,
  Can you write an article on various super top plans available as on 2020. This article is old.

  Regards,
  A Bandyopadhyay

  • Dear Bandyopadhyay,
    Sure..I will write on this.

• Dear Sir,

  I have finalised hdfc ergo optima restore for base plan after reading your article on health insurance.

  I was going through super top article and finalised on Apollo munich optima super top up (now hdfc ergo) and Hdfc ergo health surkasha super top up( medicare) .

  I saw that for apollo they are charging around 5300 for 4 lakh deductible and 10 lakhs Sum insured. ( 30 years age bracket floater)
  But in Hdfc ergo health surkasha they are charging 2860 for 4 lakh deductible and 16 lakhs Sum insured.

  This difference is huge if you select age bracket of 60 plus.

  where is catch ?.. i tried to find some but was not successful … can you please tell atleast one major difference for such huge premium difference which is surprising because now they are under same parent company (HDFC Ergo).

  Is it just like they (HDFC Ergo) have just done acquisition and have not revised their underwriting policies for apollo product …

  are the offering by Apollo and hdfc ergo super top plan same or there is any difference.

  Please suggest

  • Dear Vinay,
    We can't question the premium rate. However, both Apollo and HDFC now a same company, you can choose the one.

• Dear Basavaraj,
  I have basic sum assured 4 lakh from Star Health. Now, I want to top-up for 10 lakh from Star Health, have only 3 option of min. deductible amount of 3 or 5 or 10 Lakhs.
  Now, should I opt for a min. deductible for 3 lakhs or it is better to increase my basic sum assured to 5 lakhs and opt for a min. deductible for 5 itself? Kindly suggest your views. Thanks

  • Dear Prakash,
    Go with minimum deductable.

• Hi,
  Kindly clarify my doubt? I have Star Family Health Optima plan for 2A +1C. In that,
  Basic Sum Insured: 4.0 lac
  NCB: 1.35 lac
  Limit of Coverage: 5.35 Lac
  Recharge Benefit: 1.0 Lac
  In this senario should I opt for a super top-up plan with the deductible amount 5.35 Lac or 6.35 Lac?

  • Dear Nitin,
    Better to buy with co-payment of Rs.4 lakh.

• Hello Basavaraj,
  Will the Super top-up plan continue to exist even if the base group insurance plan expires for whatever reason? I have a group health insurance of a 3 lac family floater cover. I am now in a dilemma weather to pick up a fresh new individual policy of around 7 to 10 lacs or should I just go and get a super top plan for the same amount. Any guidance on the same would be greatly appreciated. Thanks in advance.

  • Dear Kevin,
    The co-payment clause in Super Top Up plans in no way related to how you afford your part of co-payment. You can compensate from the base plan or from your own pocket. Better to have one base plan and then a super top up.

• There is something strange about SUPRA SUPER TOPUP from Liberty Videocon Insurance where their premiums are very low like 60% less on comparing plans (comparing the quote is from policybazaar.com) ? Is there any catch ?

  • Dear Raja,
    They may be reduced the premium just to garner more business. Check for exclusions cautiously.

• Can I stack up Super Top-Up Plan to reduce the premium ? For (eg) I have my office primary group health plan for 5lakhs and I stack up with first Super Top Up Plan for 10 Lakh sum Insured with 5 Lakh deductible for Rs.7000 and another Super Top Up Plan ( Liberty Videocon Supra Super) for 1Cr with 10 lakh deductible for Rs.1600 which gives a saving of 35% (Rs.5000) premium if I had to take just one 30 lakh sum insured plan with 5 lakh deductible Super Top-Up Plan ?

  • Dear Raja,
    Yes, you can do so. But in case of higher claim amount, then you have to knock different insurers to get the claim settled.

• Adding to the post below I have also seen in many super top up policies about the deduction amount (which we have to pay from our pocket before the policy comes into effect).
  Example if I am hospitalized and the expenses are 5L.
  My base health insurance would cover me for 3L.
  Apollo super top up says 2L deductible for 5L cover so does that mean I end up not utilizing the super top up policy benefits?
  please help me understand..

  • Dear Shiva,
    Co-Payment is nothing but the amount you pay from the claim bill (either from health insurance or from your own pocket). Hence, in your case buy super top up with co-payment of Rs.3 lakh.

• Simple yet very effective post.. Thanks..
  I have couple of Questions Sir..
  -Me and my wife are covered under employee health insurance (5L each in individual companies plus spouse cover is also there within the same sum assured)
  -I have take Apollo Optima restore Family floater-3L

  I really feel that this health insurance is not enough and I am thinking about taking a super top up from Apollo again for around 5L(me,spouse and kid).

  First Question-My kid is not covered in the base Apollo Optima restore Family floater,would she be covered under the super top up? (I am thinking negative).
  Second Question-Would it make more sense if I invest to create wealth good enough to negate health insurance super top up or top up?

  • Dear Shiva,
    Base plan is in no way connected to super top-up plan. Hence, you can include your kid in super top up plan. Is it not wise to transfer the risk to someone else (Insurance company) than taking that risk on our head? However, it does not mean that you must not consider to keep aside some amount for emergency corpus (even though you have Health Insurance). Because you will not get 100% of the claim get reimbursed.

• I want to take a health insurance of Rs.20 lakh. Is it better to take 5 lakh of health insurance or 10 lakh of health insurance with remaining amount in top up? Any better option than this is also welcome.

  • Dear Giriraj,
    You can choose so like Rs.10 lakh base plan and then another Rs.10 lakh super top up with co-payment of Rs.10 lakh.