Obtaining additional insurance benefits through an existing health insurance policy means higher premiums. However, there is a smart way to get extra coverage without having to drain your bank account.
Healthy living is very important for all of us in order to prevent diseases that can affect our way of life. Given the health emergency and current concerns related to the Covid-19 pandemic, it is natural for us to be vigilant and protect ourselves with additional health care benefits through interest rate insurance policies. nominal.
Obtaining additional insurance benefits through an existing health insurance policy means higher premiums. However, there is a smart way to get extra coverage without having to drain your bank account. A super supplemental plan gives you mediclaim coverage above your chosen deductible limit. This is useful for covering additional medical costs in the event that your hospital bill exceeds your sum insured under any other health insurance policy, according to Bankbazaar.
For example, if you have a super top-up plan for Rs 5 lakh and it has a deductible limit of Rs 2 lakh, then the Super Top-Up policy will cover medical costs beyond Rs 2 lakh. So, you can pay the deductible amount from your existing health plan and the additional expenses can be paid using the super supplemental plan according to the pre-decided amount.
A super supplemental plan essentially covers costs only above the deductible limit of your current health insurance plan. This means that all medical expenses below the deductible limit must be paid out of pocket or through a regular medical insurance policy.
Under a super-top plan, multiple claims are allowed and the policy only lapses when the full amount is exhausted. Some of the premiums for super supplemental health insurance policies are mentioned below:
How much does a super recharge policy cost?
Warning: Data is for Super Top Up individual health insurance coverage of Rs. 5 lakh with Rs 5 Lac deductible for a 30 year old resident in Bangalore and is correct as of December 21, 2021. The data is indicative. The actual premium and information may differ from the data mentioned in the table.
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