Did you know that even with health insurance, you may still have to pay some amount out of your pocket? This is especially likely if you or a family member is hospitalised multiple times in a year. Frequent treatments can quickly exhaust your base health insurance cover. That’s where top-up and super top-up health insurance plans come in, offering an affordable backup without significantly increasing your premium.
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Best Backup Plan for Frequent Hospitalisation: Top-up and Super Top-up Health Insurance
When you come across a high hospital bill, your base insurance may not be enough. This is exactly why top-up and super top-up plans are important. They provide an affordable way for you to increase your financial protection. You must read up on the advantages and disadvantages of super top-up health insurance. A super top-up plan can be a great option for you if you have ageing parents or young children in your family.
Let’s look at how top-up and super top-up plans can protect you when medical expenses start piling up.
Suppose you have a base health insurance policy with a sum insured of ₹3 lakhs. You also purchase a super top-up plan of ₹5 lakhs with a deductible of ₹3 lakhs. Now imagine you’re hospitalised once and the bill amounts to ₹6 lakhs.
This way, your financial burden is reduced without paying an expensive premium.
Now let’s say you face two hospitalisations in the same year:
Here’s how the two types of backup plans would respond:
A deductible is the amount you must bear before your top-up or super top-up coverage kicks in. You can pay for it either.
Let’s say you’ve chosen a ₹5 lakh super top-up with a ₹3 lakh deductible. If your annual hospital bills amount to ₹4.5 lakhs.
Choosing a deductible that matches your base policy helps ensure you aren’t paying anything extra from your savings.
Here are some key reasons why top-up and super top-up health plans make sense for families.
These plans give you access to large coverage amounts for a much lower premium than regular health insurance.
A super top-up can cover your whole family under a single plan, ideal for shared coverage needs.
Elderly family members are more likely to need frequent medical care. Super top-up plans offer cost-efficient support.
You can claim deductions under Section 80D of the Income Tax Act for the premiums paid on health insurance policies.
You don’t have to stick to your base policy provider. You can choose a top-up or super top-up from another insurer.
You must do some basic homework before buying a super top-up plan. You should not look at just the premiums but also see if the plan fits your needs correctly.
Your deductible limit should align with your base plan’s sum insured.
You must choose an insurer who offers simple, mostly digital and cashless claims.
Always ensure to check if the sum insured you have chosen is enough for your family size and medical history.
You must stay aware of waiting periods, especially when it comes to pre-existing conditions.
Do a scan to ensure that you have good network hospitals around your home or near your office.
Analyse the premium you have against the protection that is offered. Super top-ups generally provide better value over a period of time.
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Reviewed by Dr. Harshita Dahiya 
Acko Technology & Services Private Limited
#36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
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