• Top Up/Super Top Up Health Insurance Plans in India

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    “Health is Wealth” – this old adage has become even more prominent in our fast paced world today, with incidences of unhealthy lifestyles impacting our overall quality of life. With costs rising every day, failing to secure one’s health can impact our bank accounts, pinching our wallets and leaving us dry. This is where health insurance plans come in, offering us ease of mind and helping us continue with our lives without having to worry about an unforeseen event. While health insurance plans offer protection, they can be taxing on our finances, with premiums costing a decent amount. Given our propensity to want more in life, it is only natural for us to want extra health care benefits, at nominal rates, of course. Getting additional benefits through an existing health insurance policy would mean higher premiums, but there is a smart way to get extra cover without having to empty your bank account.

    What are Top-up Health Insurance Plans?

    A Top-up health insurance plan, as the name implies is a scheme which provides additional cover, typically over and above the current available limit, at lower premium amounts. It can be considered as a safety net which helps you in case you exceed certain limits. Under a normal health insurance plan, the insurer pays the amount which an individual is insured for, but there could be cases when the expenses exceed this amount, which is where a top-up plan comes into play.

    Consider the example of Mr. Krishna, a manager with a bank who has a health insurance policy of Rs 5 lakh. He pays an annual premium of Rs 12,000 towards this premium. Unfortunately for Mr. Krishna, he is hospitalised due to a heart attack, the treatment for which goes up to Rs 8 lakh. Now under normal circumstances, his policy would pay Rs 5 lakh and he would have to pay the additional amount from his pocket. Now, if Mr. Krishna had opted for a Top-up policy of Rs 10 lakh with a deductible limit of Rs 5 lakh, this additional amount would be paid by his new policy, ensuring that he stays financially protected.

    In simple words, a Top-up health insurance policy provides protection after the basic threshold limit under a normal policy is breached.

    Super-Top-Up-&-Top-Up-Health-Insurance-Plans

    What is a Super Top-up Health Insurance Plan?

    A Top-up insurance policy has certain drawbacks when it comes to its implementation, which can be resolved by opting for a Super Top-Up policy. Unlike a Top-up plan which pays only if the threshold limit on a regular policy is exceeded on a single hospitalisation, a Super Top-up provides cover over the threshold limit in multiple cases.

    Let us take the example of Mr. Krishna again. Post treatment for his heart attack he suffers another one after 6 months, with the bill coming up to Rs 7 lakh, which comes outside the ambit of his top-up plan since only one claim can be entertained under its provisions. Now, if Mr. Krishna had opted for a Super Top-up plan with a cover of Rs 10 lakh and a threshold of Rs 5 lakh, this plan would pay the additional sum of 2 lakh.

    In simple terms, a Super Top-up Health Insurance policy has provisions for multiple claims, which are not offered by a regular top-up plan.

    Points to Remember:

    There are a few key points which one should be familiar with before they consider a top-up or super top-up health plan.

    • Deductible – Deductible, in this context refers to base amount over which a top-up or super top-up policy comes into force. For example, Mr. Krishna has a normal health insurance policy of Rs 3 lakh and a top-up/super top-up policy of Rs 7 lakh with the deductible set at Rs 3 lakh. In this case, his top-up/super top-up plan will come into force only if the bill is over and above Rs 3 lakhs. If the bill is under Rs 3 lakh, i.e. below deductible, no benefit will be paid through the top-up/super top-up plan.
    • Base plan – While it is not mandatory for an individual to have a base health insurance plan in order to avail a top-up/super top-up, it is recommended that a base plan is in place to cover amounts below the deductible.
    • Lower premium – One can get a top-up health insurance policy at lower premiums, with the premium amount depending on the deductible. A higher deductible results in a lower premium and vice-versa.

    Top-up Vs Super Top-up Health Insurance Policies:

    While similar in concept, there are a few key differences between a top-up and super top-up health policy, as highlighted in the table below.

    Parameter Top-up policy Super top-up policy
    Working basis Works on the principle of “per claim” or “per hospitalisation” Multiple claims are permitted
    Lapse on claim Policy lapses after 1 claim for the cover provided Policy lapses when the entire cover is exhausted (multiple claims entertained)
    Settlement Settles claim only if single bill amount is over and above the deductible Settles claim if total bill amount exceeds the deductible limit
    Example: Rakesh has a Top-up and Super Top-up health policy with Rs 10 lakh cover and a regular policy with a cover of Rs 5 lakh. He undergoes treatment for hospitalisation, consider the following scenarios.
    1. Single bill comes to Rs 7 lakh
    2. Two bills amounting to Rs 4.5 lakh each
    3. Two bills, one for Rs 7 lakh and another for Rs 2 lakh
    1. Rs 5 lakhs paid by normal policy and Rs 2 lakhs paid by top-up policy cover
    2. Rs 5 lakh paid by normal policy and no amount paid by top-up plan (since deductible is Rs 5 lakh)
    3. Rs 5 lakh paid by normal/regular policy and Rs 2 lakh paid by top-up plan
    1. Rs 5 lakhs paid by normal policy and Rs 2 lakhs paid by super top-up policy cover
    2. Rs 5 lakh paid by normal policy and Rs 4 lakh paid by super-top up plan
    3. Rs 5 lakh paid by normal/regular policy and Rs 4 lakh paid by top-up plan

    When to opt for a Top-up Health Insurance Policy:

    Individuals can opt for a top-up or super top-up policy under the following circumstances.

    • When their regular health insurance policy doesn’t offer adequate protection. In such cases they can choose one of these plans to enhance their protection.
    • When they want to increase their cover without having to pay higher premiums. The premium for a top-up or super top-up plan is cheaper than the premium for a normal plan with the same cover, helping them save money.

    Popular Top-up and Super Top-up Health Insurance Policies in India:

    Some of the popular top-up and super top-up health insurance policies in India are mentioned below.

    • Bajaj Allianz Extra Care – This policy offers cover ranging from Rs 10 lakh to Rs 15 lakh with deductibles ranging between Rs 3 lakh and 5 lakh. Working on a per claim basis, it comes with a family floater option.
    • ICICI Lombard Healthcare Plus – This policy offers flexible sum assured and deductibles to suit the financial requirements of different individuals, covering multiple scenarios.
    • Star Health Super Surplus – This plan comes with a cover ranging between Rs 7 lakh and Rs 10 lakh, with the deductible starting at Rs 3 lakhs.
    • Religare Enhance - This custom designed scheme comes without any sub limits, ensuring that the entire family is protected, with the option to choose a cover between Rs 1 lakh and Rs 30 lakh, depending on their requirement.
    • Apollo Munich Optima Plus – This plan covers multiple scenarios, offering cashless benefits and an option to convert the scheme into a zero deduction health insurance policy upon retirement.
    • United India Insurance Super Top Up – This plan can be used to protect both an individual and his/her family, coming with a floater option and offering cashless treatment across multiple locations in India.
    • HDFC Health Suraksha Top-up Plus – This plan comes with a family floater option, with deductible starting from Rs 1 lakh and sum assured ranging between Rs 2 lakh and Rs 10 lakh.

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Top Up/Super Top Up Health Insurance Plans in India Reviews

  • Page 1 of 50 1 2 3 4 5
    • Star Health Health Insurance
      "Better"
      0.5 1.0/5 "Really Bad"
      I am having the health insurance policy with the Star health insurance company. Coverage value is around 3 lakh Rupees. I would like to say that the response is fine one for me with them and the customer service is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 17, 2018
    • National Insurance Health Insurance
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am having the health insurance policy with the National Insurance company. I used to talk with them very often and the claim went in easy manner. Everything went in the good aspects with them till now.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 17, 2018
    • Religare Health Insurance
      "Its Best"
      0.5 5.0/5 "Blown Away!"
      I have corporate insurance from Religare Health, I didn't check the benefits, I believe I got medical cover upto Rs. 3 lakhs for my entire family. I got Religare e card. If in case of any emergency if I admit more than 24 hours I can get the reimbursement. I would suggest to enable daily check on insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • Bajaj Allianz Health Insurance
      "Good Insurance"
      0.5 5.0/5 "Blown Away!"
      I have taken a Mediclaim plan with Bajaj. I have had a good claim experience with them. They gave the amount pretty easily. Even in case of my relatives experience Baja readily payed about Rs.75000 for the treatment. The number of network hospital in it are pretty good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 16, 2018
    • Religare Health Insurance
      "Bad Experience"
      0.5 1.0/5 "Really Bad"
      This is my first term with Religare Mediclaim plan. 7 months down my Insurance my Brother had an accident, and consequently they didn't cover me up during this time. I had to pay more than Rs.1 Lakhs for the treatment. I applied for it thrice and all the three times it got rejected, they said accidents aren't covered in this Insurance.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 16, 2018
    • Royal Sundaram Health Insurance
      "Average service"
      0.5 1.0/5 "Really Bad"
      I have taken Royal Sundaram Health Insurance policy,i purchased two months ago,the premium amount is is 6000 paid per annum,I dint receive the kit as yet.The policy coverage is three lakhs and they would cover 100% cashless treatment.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • HDFC Ergo Health Insurance
      "Need to improve"
      0.5 1.0/5 "Really Bad"
      I do have the health insurance policy with the HDFC ERGO general insurance company. I would like to say that the customer service could be get improved. I have felt that the response also could be get improved.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 16, 2018
    • United India Health Insurance
      "Very good policy "
      0.5 5.0/5 "Blown Away!"
      I have the corporate health insurance policy wit the UNITED INDIA INSURANCE company. I hold this policy for the past 8 years. This policy covers 4 members in my family. I have the medical coverage amount up to Rs,3,00,000. I would say the cashless treatment option is available with this policy.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 15, 2018
    • Bajaj Allianz Health Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a Health Insurance with Bajaj Allianz ,the premium amount is 12,000, its a one time payment.They cover including the dependants the policy coverage amount is five lakhs ,they give 100% for cashless treatment.I pay my premium with my EMI card of bajaj allianz.
      Was this review helpful? 0
      , jaipur
      Reviewed on Feb 15, 2018
    • ICICI Lombard Health Insurance
      "Better service"
      0.5 4.0/5 "Great!"
      I have taken a Health Insurance with ICICI Lombard,the premium amount is 10800 its a one time payment.They cover including the dependants 40% and for the primary holder its 60%they give 100% for cashless treatment.I would say its the best for an individual take a policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 15, 2018
    • Religare Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I hold a health insurance with Religare from last 2 years and it is a good insurance policy. This policy has to be renewed every year and i pay a premium of Rs 11000 for this insurance. I do not have claim experience and i have not taken any cashless treatment. I have a coverage of Rs 5 lakhs which is satisfactory.
      Was this review helpful? 0
      , faridabad
      Reviewed on Feb 14, 2018
    • HDFC Ergo Health Insurance
      "Fantastic"
      0.5 5.0/5 "Blown Away!"
      Taken a medical insurance policy with HDFC ERGO GENERAL INSURANCE. Still now I have not taken any claim with my medical insurance. The plan and benefits are really good. I have been paying a premium of rs 5,000 per year. The customer service and response is good.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Feb 14, 2018
    • United India Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I am having the Health insurance policy with the United India Insurance company. I been with them fro fifteen to seventeen years of time. Response is good one and everything is convenient too. Coverage value is good one with the United India Insurance company.
      Was this review helpful? 0
      , solapur
      Reviewed on Feb 14, 2018
    • National Insurance Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance with national insurance from last 2 months and it is a good insurance policy. I pay a premium of Rs 170 on monthly basis. I do not have claim experience so far and i have not taken any cashless treatment. I have a coverage of Rs 3 lakhs which is satisfactory.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 13, 2018
    • Royal Sundaram Health Insurance
      "Health insurance with ROYAL SUNDARAM"
      0.5 3.0/5 "Satisfactory"
      From ROYAL SUNDARAM GENERAL INSURANCE i have taken a health insurance policy and the premium amount is 7000. This policy covers my whole family. They provide cashless treatment facility.I make my payment through cheque. The customer service is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 13, 2018
    • HDFC Ergo Health Insurance
      "Good insurance"
      0.5 5.0/5 "Blown Away!"
      I have taken a Health insurance with HDFC Ergo,The premium amount is 17,000 including family members.The insurance is active since 2014. They promised to cover 100% cashless treatment till date i have no experience for the same.The payment is don't through Auto debit from credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 13, 2018
    • Bajaj Allianz Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I am having the health insurance policy with the Bajaj allianz general insurance company. Coverage value is around 2 lakh Rupees. Response time is best one with the Bajaj allianz general insurance company.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 13, 2018
    • HDFC Ergo Health Insurance
      "Best policy to use"
      0.5 5.0/5 "Blown Away!"
      I hold a health insurance with HDFC ERGO from last 7-8 years and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 15000 for this insurance. I have taken a cashless treatment and my claim experience was very good with this insurance. I have a coverage of Rs 3 lakhs which is satisfactory.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 13, 2018
    • Apollo Munich Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I took a health insurance from Apollo Munich through an advisor. Its been 3 years. The cash facilities are really good. The customer service was pretty good. I haven't gone for claim. The medical coverage was 5L. I used to pay around 13,000 rupees yearly.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 12, 2018
    • review Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I hold a health insurance with Birla General insurance from last 6-7 years and it is one of the good insurance policy to use. This policy has to be renewed once in 3 years and i pay a premium of Rs 3500. I do not have claim experience so far with this insurance and i have not taken any cashless treatment. I have a coverage of Rs 3 lakhs which is satisfactory.
      Was this review helpful? 0
      , panipat
      Reviewed on Feb 12, 2018
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