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Should you get Super top health insurance? What to look for | Which one did I get
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- Опубликовано: 15 авг 2024
- Are you a corporate employee worried about skyrocketing medical costs? 🤯 Your regular health insurance might not be enough! In this video, I dive into the world of super top up health insurance, the secret weapon to protect your finances against unexpected medical emergencies. 🛡️
I'll break down everything you need to know about super top up policies, including:
- How they work and why they're essential for corporate employees
- Key factors to consider when choosing a policy
- My personal experience with the HDFC Ergo Optima Secure super top up plan
- A step-by-step guide to evaluating and selecting the right super top up for YOU
Don't let medical bills derail your financial goals! Click play to discover how a super top up health insurance policy can provide you with peace of mind and a financial safety net. 💰
0:00 Highlights
0:43 Intro
1:22 What is a super top up policy
2:25 Why should you consider getting a super top up
4:09 Key factors to consider
7:28 Which policy did I buy
9:50 Conclusion
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Great video and hope you post more frequently :) Question, I have icici Lombard coverage from work and if I take a super top up policy from icici, if I quit the job will this top up policy will be waste?
Hey, this channel is so well done, super helpful. Had a question about Niva Bupa Reassure 2.0 (titanium)? And a super top up (offered by the same company)?
I already have the bronze Reassure running till August 28th this year.
Not sure what the question is 🤔
But reassure 2.0 titanium seems like a good policy if that's what you wanted to know. Disclaimer: do your own research too!
@@pranayk37 Hey, sorry for not putting it well. Just bought the policy. It just sounded too good to be true so wanted to reconfirm if I am being fleeced.
Didn't know this. Thanks for sharing
Do you have OPD and Dental cover? If so under which policy?
Corporate insurance covers it for me
@@pranayk37 oh that’s great.. not for me :(
What's your opinon on base policies from new age isurers like Acko and the likes, who offer substantially higher amounts of coverage in one policy? Would you still recommend having a super-topup if say one has a cover of 15-25 lakhs?
Acko: can't fault the product. Meets all the criteria at a compelling price point. The only reason, for me personally, to not buy it was because I still don't trust the longevity of the company over a long period of time. Given this is high stakes + a very long duration, I personally want a solid insurer with a proven long history.
On whether you need super top up if your base plan is 25L, I'd say if 25L gives you peace of mind - you don't need to increase the cover. However you can still get a super top up worth 25L and add a deductible of say 2L and save a lot on the premium.
Have you made a video on selecting a base policy. How to select base policy video may be? Would be really helpful if you can share pls 🙏
Haven't made a video on base policy. However you can take the same policy I recommend in this video - hdfc optima secure as a base policy. Same principles apply as a super top up. While buying this policy, just select deductible as zero and it'll become a base policy for you.
Hey, I’ve 20L as the standard insurance coverage in Ergo, so no point in opting super topup there.
Have been checking with Ergo every year if they have increased super topup coverage above 20L, did the same after seeing this video - customer care person said 20L is the max they provide.
Can you provide link or name of the STU policy you hold?
Just go to the HDFC ergo website and try to purchase hdfc optima secure. At the time of checkout, there will be an option to select a deductible. Maximum deductible will be 5L that you can select. Then select the coverage amount - you'll see options like 1 Crore.. which is like a super top up policy
How much premium we have to pay yearly ? Can we include family members in this coverage ?
Premium varies by the number of people. Yes you can include family members
Wouldn’t the super top-up become invalid in case you switch/loose your job? The base policy should be a personal one no?
No. A super top-up health insurance policy is a separate policy that can be used with either your employer's health insurance or your own personal policy. It does not become invalid if you leave your job, or even if you don't have a base policy at all. In the absence of a base policy, you can still use your super top-up policy by paying the deductible amount out of your own pocket.
@@pranayk37 I didn't know that. I guess I was thinking it's the same as a top-up policy. Thanks for clarifying!
super informative
Super helpful!
Thank you!
Did you get top up cover amount of 1cr from hdfc ergo?
Last I heard they were offering till 20 lacs only
Exactly. Its from hdfc ergo. Its this new policy called hdfc optima secure and the amount is finally higher 🎉
Optima secure should be base policy right ? Not super top up!
Am I missing anything?
When you're buying it, you'll see an option to add a deductible on the HDFC website essentially making it a super top up. You can choose to add no deductible and it'll become a base policy. Tldr; it can be base or super top up, depending on what you prefer
Great... Thanks for the update.