Which is the Best Super Top-Up Health Insurance?

 How to Choose one of 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. With a top‑up plan, you receive additional financial support once your base insurance coverage is exhausted.

Importance of Top-Up Health Insurance

Medical emergencies can happen anytime, and you do not necessarily know the unexpected medical situations you might face.

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 one of the best top-up health insurance plans:

● Lower Premiums

You will be maintaining both a base policy and a top‑up policy, 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 generally lower than base plan premiums because they activate only after the deductible is met.

● Telemedicine Facilities

One of the features of top-up health insurance in India is that it Top‑up premiums are generally lower than base plan premiums because they activate only after the deductible is met. Using helplines, you can consult qualified doctors remotely for guidance or follow‑ups. 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 applies when a patient requires treatment at home because hospitalisation is not possible or advisable. Residential treatments are often preferred for many adults or even children for their medical needs. In many cases, the top-up plans are may help cover expenses related to domiciliary treatment, depending on policy terms.

● Floater Benefits

In most 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 insurance from one of the best companies offers you incredible financial coverage. Moreover, there is also an option to renew the healthcare up to 25 years of age.

Also Read:

→ Which Treatment is Generally Not Covered Under Health Insurance Policies

→ Who Pays Health Insurance While On Long-Term Disability

→ Why do Health Insurance premiums increase Every Year

→ Why Do We Need Health Insurance