Which Is the Best Super Top-Up Health Insurance?

 How to Choose the Best Super Top-Up Health Insurance

Top-up health insurance provides an option for you to extend the existing health insurance plan during a medical emergency. In such an offer, when you apply for health insurance you may get comprehensive financial help even after exhausting the primary insurance plan.

Importance of Top-Up Health Insurance

Medical emergencies can happen anytime, and you do not necessarily know the problems you might face. Let us see how you can use a top-up health insurance plan.

Suppose you have opted for an individual health insurance plan for Rs. 4 lakhs. Now let us say you have faced a medical emergency for Rs. 6 lakhs, that is Rs. 2 lakhs over the limits. If you had a top-up plan for Rs. 2-4 lakhs additional, then your healthcare emergency is met completely as per actuals.

Let us see what you should look for in the best top-up health insurance plans:

● Lower Premiums 

You are going to essentially juggle two different schemes, a primary and a top-up scheme together. Therefore, in such a condition, it is always recommended that you opt for lower premiums, which can be easily handled while maintaining multiple premiums. Moreover, the top-up premiums are also considerably lower than the premiums for the primary plans.

● Telemedicine Facilities 

One of the features of top-up health insurance in India is that it helps with telemedicine facilities. Using helplines, you can simply contact some of the best doctors for help. Additionally, it is possible with such a health insurance provider to access the best facilities as well. With a number of doctors and health care professionals, such a facility is surely going to work for you.

● Domiciliary Hospitalisation

Domiciliary hospitalisation is applicable in many cases when the patient does not need to visit any hospital. Residential treatments are often preferred for many adults or even children for their medical needs. In many cases, the top-up plans are used to manage the costs of domiciliary hospitalisation.

● Floater Benefits 

In most of the cases, the top-up health insurance schemes also come with a floater benefit. Thus, it means that you can add multiple members of your family and help them avail the benefits. Therefore, the top-up health insurance from the best companies offers you incredible financial coverage. Moreover, there is also an option to renew the healthcare up to 25 years of age.

Companies such as Star Health provide Silver and Gold Floater plans for Top-up health insurance. These plans offer shared benefits, along with extra features like e-Medical opinions. Their goal is to help you deal with surprise medical bills, ensuring less stress for your family.

Also read:-

→ Which Treatment is Generally Not Covered Under Health Insurance Policies

→ Who Pays Health Insurance While On Long-Term Disability

→ Why 18% GST on Health Insurance

→ Why do Health Insurance premiums increase Every Year

→ Why Do We Need Health Insurance