5 Important Things to Consider When Opting for a Super Top-up Plan

HEALTH INSURANCE PLAN



When thinking of buying a health insurance plan, you may get confused as to what is the best plan for you and how much you should invest. Some individuals can bear the expenses of the healthcare treatment; others may find their existing health insurance plan sufficient. With increasing medical costs, nobody wants an extra burden on them. A super top-up health insurance plan is an additional cover for individuals who already have an existing plan or a mediclaim from the insured.

If you already have a health insurance policy of Religare Health Insurance, you have the option to opt for a super top-up plan from there itself. The super top-up plans are available with most health insurers like Religare Health Insurance. An individual can opt for a quote after entering the details online.  

Factors to keep in mind while opting for a Super top-up plan

A super top-up plan covers extra medical expenses an insured person has to incur. Mentioned-below are certain factors that should be kept-mind while opting for a super top-up plan.

1. Calculate the cost: You can opt for a super top-up plan to complement the health coverage offered by the insurer. They work on the concept of deductibles which is borne by the policyholder. 

2. Age: The minimum age for opting for this plan is 18 years and above. The minimum age for dependent children is 5 years to 24 years. 

3. Deductibles: Deductible is a pre-decided  amount that has to be borne by the insured in this plan. This would be applied on an accumulated basis in a year. To manage the deductible you can make use of your existing policy and take care of your healthcare requirements. 

4.Choose super top-up plan wisely: Before opting for a super top-up plan, make sure you read the sales literature of this plan. In case of doubt, you can reach out to the support team and clear your doubts.

5. Claim income-tax benefits: You can avail income tax benefits as per Section 80D of the Income Tax Act. 

Takeaway

Before buying a health insurance policy after calculating the expenses for day-to-day procedures, pre-existing medical conditions, and pre and post-hospitalization cover. Buying super top-up plans makes you eligible for income tax benefit for the premium paid under section 80D of Income Tax Act. Moreover, super top up plans consider cumulative hospitalisation expenses and cover multiple claims made in a policy year which is an advantage.

There are a plethora of health insurance companies like Religare Health Insurance that offers the super top-up health insurance plan. It offers Enhance- a super top-up health insurance plan that acts as a net of insurance coverage. If you are looking for a super top-up plan then Religare Health Insurance is the best choice.