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What Is Super Top Up Health Insurance-Health Policy

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What Is Super Top Up Health Insurance-Health Policy
What Is Super Top Up Health Insurance, What Is Super Top Up Health Policy, Health Insurance, What Is Super Top Up Health Cover, Super Top Up Policy

Health insurance protects us from medical expenses. medical expenses sometimes rises above our health insurance policy limit at that time this Super Top Up Health Insurance stands as an additional cover to your health insurance

What Is Super Top Up Health Insurance
Super Top Up Health Insurance is similar to a top-up health insurance policy with slight difference, It acts as an additional coverage for people who is having an existing health insurance individual plan or a family floater plan. Super Top Up Health plans comes with high Insurance amount with very low premiums but have a threshold limit like rs 2 lakhs, 3 lakhs etc.

For Example: You have a Health Insurance Policy for Rs 3 Lakhs and also a Super Top up Health cover policy for Rupees 10 Lakhs with the threshold limit of Rs 3 Lakhs. If there is a claim of rs 5 lakhs then 3 lakhs amount will be payed by your health policy and the remaining 2 lakhs will be covered by your Super Top up health policy

How Does A Super Top Up Health Insurance Policy Plan Works
ABC person has a Health Insurance Policy for Rs 2 Lakhs and also a Top up policy for Rupees 8 Lakhs with the threshold limit of Rs 2 Lakhs.

Scenario 1 – Single Claim
ABC had a single claim of Rs 2 Lakhs which will be paid from his Health Insurance Policy

Scenario 2 – Single Claim
ABC had a single claim of Rs 4 Lakhs in which 2 lakhs will be paid from his Health Insurance Policy and 2 lakhs will be through super top-up policy

Scenario 3 – Doubble Claim, ABC had two claims in a year.
Claim 1 of Rs 6 Lakhs in which 2 lakhs will be paid from his Health Insurance Policy and 4 lakhs will be through super top-up policy
Claim 2 of Rs 2 Lakh will not be paid from his Health Insurance Policy as he already used full amount and super top-up policy will pay that 2 lakhs

Scenario 4 – Tripple Claim, ABC had three claims in a year.
Claim 1 of Rs 4 Lakhs in which 2 lakhs will be paid from his Health Insurance Policy and 2 lakhs will be through super top-up policy
Claim 2 of Rs 3 Lakhs will not be paid from his Health Insurance Policy as he already used full amount and super top-up policy will pay that 3 lakhs
Claim 3 of Rs 1 Lakh will not be paid from his Health Insurance Policy as he already used full amount and super top-up policy will pay that 1 lakh

This is the best Top Up Health Insurance or Health Policy if you are planning to take top up policy