A Super Top-up health insurance plan offers benefits similar to a regular health insurance policy. It also covers treatment costs, ambulance charges, etc. The only difference is this plan can be used only when the expenses exceed the set deductible.
Ms B bought a health insurance policy with a sum insured of Rs. 3 lakhs. It covered herself, her spouse, and one child. After some time, she realised that the base plan’s sum insured could be insufficient and decided to buy a Super Top-up Plan with a deductible of Rs. 3 lakh. This new plan offered a usable sum insured of Rs. 4 lakhs.
Unfortunately, the family got into a road accident, and all three members had to be hospitalised for multiple injuries. The hospital bill amounted to Rs. 5 lakhs. Here is how both the plans helped Ms B during the medical emergency.
|PARAMETERS||PRIMARY HEALTH INSURANCE PLAN||SUPER TOP-UP PLAN|
|Sum insured||Rs. 3 lakhs||Rs. 4 lakhs|
|Claim honoured||Rs. 3 lakhs||Rs. 2 lakhs|
|Remaining sum insured||Nil||Rs. 2 lakhs|