Health Insurance, ആരും നിങ്ങളോട് പറയാത്ത രഹസ്യം. Health Insurance Top-up Policy Mediclaim Policy.

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00:00 - Introduction
00:40 - What is Top-up policy?
01:48 - Importance of Top-up policy
02:55 - Why didn't they tell us?
03:10 - Example 1
03:55 - Example 2
04:30 - Super Surplus Health Insurance Policy
05:13 - Benefits of Super Surplus
07:00 - Gold Plan
08:22 - Why Gold Plan is better?
09:50 - Illustration of Gold
11:00 - Policy Premium
11:53 - End

#1_ON_INSURANCE

Frequently Asked Questions:
1. What is Super Top Up Insurance Policy?
Super Top Up policy is a Family Floater Policy which offers you coverage of #Mediclaim above your chosen deductible limit along with extra ordinary features. It offers you financial relaxation in the event when your #hospitalization claim bill crosses your sum insured under any other Mediclaim policy. Thus it acts as cushion & comes in to action when you have exhausted the chosen limit.

2. What is difference between Mediclaim and Super top-Up policy ?
A Mediclaim policy pays the claim from Rs. 1/- till maximum Sum Insured under your base policy. Whereas Super top-up policy cover hospitalization expenses beyond the chosen Deductible limit. The deductible limit is chosen by you. In other word it is a Mediclaim policy which triggers after a certain pre-decided limit of expense has crossed. Further mediclaim and super top up policy can work along with one another. That is, if you have a mediclaim you can also purchase a super top up policy to get an enhance cover. Even if you do not have a mediclaim policy you can opt for Super Top up Policy.

3. Why should I take Super top-up policy when I already have Mediclaim Policy ?
1) It increases your sum insured at very reasonable premium
2) No capping, No Co-Pay, Just 1 Month waiting period.
3) Pre-existing Disease are also covered from Day One.
4) Opportunity to avoid heavy deduction due to Room Rent limits.
5) Super Top Up plan is cheapest super top up plan available in the market.
6) For higher age person above 55 years of age it is very difficult to increase the sum insured under your mediclaim policy hence super top up policy is advisable where you can top up your mediclaim sum insured by Rs. 15 lakh up to 80 years of age.
7) For major surgeries like Replacement of Organ like Kidney Transplant, heart transplant where the claim cost crosses Rs. 20 Lakh this Super top Up policy can only cover such expenses.

4. How Super top-up policy is more beneficial than general Top up policy?
Whenever anyone hospitalization exceed your base policy sum insured then claim is payable under top up policy. It is rare incident that single hospitalisation can arise where total hospitalisation bill will cross Rs. 5 lakh or deductible selected by you. Whereas under #Super_Top_Up_Policy aggregate of all claims made by your family members once crosses the base policy sum insured then your super top policy will start making the claim payment.