With HDFC ERGO My Health Medisure Super top-up plan, you can ensure that your and your family's healthcare needs will be looked after even if your base coverage is exhausted.One can avail discounts of 5% on the premiums if they opt for a long-term policy of 2 years, and can avail further 10 % discount if they choose to cover more than 2 members on individual Sum Insured basis. HDFC ERGO My health Medisure Super Top-up.The plan offers the optional benefits such as personal accident cover, critical illness cover and helps you to enhance your overall coverage.
The plan comes with a feature of lifetime renewability with no extra loadings based on your claim history.With the availability of several benefits, the plan ensures to look after your medical needs even if your base coverage is exhausted. With the coverage offered upto 95 Lakhs, Max Bupa Health Recharge is an affordable super top-up plan that helps you in the time where you need additional support. Let's Learn more about the above-mentioned Super Top-up plans: HDFC ERGO My health Medisure Super Top-up They will give you additional coverage at cheaper rates. If you are one of them, consider going for top/super-top plans. But in their hearts, they know that such coverage is not enough to meet future medical needs. Many people go for low coverage plans as they don't have the budget to pay higher premiums. To avoid such a possibility, consider buying these add-on plans. And to treat those issues, you may be stuck in a situation where your base coverage is not enough and you are required to pay from your wallet. With growing age, you get vulnerable to health-related issues.
In such a case, you should buy an additional cover that would protect you and your family at the time of medical emergencies. Working in an organization, your company may have provided you with health insurance, but the sum insured may not be enough. Individuals falling into the below categories should consider buying these plans. Who Should Buy Top-up and Super Top-up Health Plans? In your third hospitalization, a super top-up plan will settle the entire bill amount. 2 lakhs claim will be settled by the super top-up health policy. In such a case, your regular health policy will cover Rs. 3 lakhs against your first hospitalization. You will get coverage under your regular health policy for your first hospitalization, but it will not cover your second hospitalization in full, as you've already claimed Rs. During the year, you are hospitalized 3 times, where the bill was Rs. 10 lakhs, which comes with a deductible of Rs. 5 lakhs and you decide to buy a super top-up health policy of Rs. These plans ensure that the policyholder gets the treatment without any restrictions or limitations.įor example- you have regular health insurance of Rs. But these plans are eligible to cover multiple claims for cumulative medical expenses (over the threshold limit) within a policy year (once your base cover is exhausted). Just like a top-up health plan, a super top-up health plan is also an extension of your basic health plan.