Limitations of Super Top Up Health Insurance | Why Super Top ups are Cheaper ? Health Insurance 2022
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- Опубликовано: 10 сен 2024
- The whole insurance industry is busy promoting and selling super top-up policies as a “cheaper way of upgrading” your health insurance cover.
In this video, we will try to educate the investors on the limitations of such combo top ups or exactly why they are cheaper compared to a single cover.
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Disclaimer : Information presented in this video is for educational purpose only. It may not necessarily be taken as financial, legal or any other type of advice. It is not as per individual needs, objectives or financial situation of any particular person.The video is based on 15 years of experience of Financial industry.
It is based on researches from various books, internet etc and may include opinions of one or more persons who may or may not be the part of Hareepatti.
Gurleen Kaur Tikku or any other team member of Hareepatti will not hold be held responsible as this is not to be considered as personal finance advise.The video does not mean to hurt anyone’s sentiments or spread rumours of any sorts.Viewers should do their own due diligence before taking any action based on the video.
Viewers discretion is advised.
wow i had been banging my head against insurance agents about the differences between 2 things and nobody was able to answer... your video was clear and comprehensive
Glad, Thank you so much. If you want to buy a health insurance policy, connect with us on WhatsApp/Call at 9650706699
Thank you
That's sometimes happens with people having Deep knowledge. She is a certified Planner not just a normal RUclipsr
I usually don't comment anywhere, but your video was exactly about the topic I was eagerly searching for. Thank you so much. Very nice information.
Glad it was helpful, KEEP WATCHING 😊
Explained simple things in a very complicated way 😀😀
Exactly
You might be having the prior knowledge, but for people who do not have the prior knowledge will find it easy and clarified.
You can upload some video which is more easy tonunderstand
Well explained.
To buy insurance policies, click here - hareepatti.com/contact-us/
I have base plan -5 lakhs
Top up -10 lakhs
Ex- I had diagnosed for 8 lakhs
5 lakhs from base
3 lakhs from top up ..
My question
If again I diagnosed for some other reasons and costs 2laks
Will it be covered from top up ?
Bec my base plan is exhausted in first claim.
And there is no recharge or restore benefit for the base plan ..
Pl explain
hello mam apne mera question ka ans kyun nahi kiya???
@@prabhakaryemul4728 In the above scenario, Yes 2nd claim for 2 lacs will.be paid from super top up plan and 5 lacs balance will be left.
@@upayanbhadra6412 what is your question?
@@GurleenKaurTikku mam Pl. Guide in case of prabhakar, his Q. was in second case he exhausted his base amount then 2 lakh will be paid by top up.
Base + top up works fine ...my frnds dad recently got hospitalized...5 lac base + 20 lac top up ...total bill was 9 lac....got full cover no single rupee spent...hdfc ergo was his policy
Great 😊✅ #HealthInsurancwZarooriHai
Is cashless available in super top up?
@@rishikajain7634yes Same as any other policy.
Thanks Madam you clear my all queries..... In one video understand which police I have to go for. You are the Best. God bless you
Great :)
First video which has the genuine information.. Thanks a lot
Glad it was helpful!
U missed consumables as an add on cover which cannot be added on super top up but u can have it in higher base policy
Thanks for sharing
tata super top up has that too
I am thinking of getting max bupa reassure but when I compare its ICR with other companies it doesnt come in top5. Is is safe to go for reassure considering its low ICR? Would it be risky at the time of claim?
Do family heath insurance le sakate hai.alag alag company se.
I have 2 options
1st 5lakhs base policy+90lakhs super topup
2nd option 15laks base poliy with some addons which one is better
Loved this video. You know what you are talking. Subscribed❤️
Please explain based on the following scenario
I have base plan of 5 lakh from 'X' insurance Company and super top up of 10 lakh from 'Y',
1st claim was 3.5 lakh and received from 'X' insurance company
If I have another claim of 4.5 lakh in the same year, can I claim 1.5 (5-3.5) lakh from 'X' Company and balance 3 lakh from super top up 'Y' insurance Company?
What proof we need to produce that we have used/paid upto 3 lakh before claiming super top up?
Yesterday.. I heard about super top up health policy.... I was very much excited..... now my nerves have come down
Thank a lot...
😊
there is a deductible clause in super top up. Does that respect No claim bonus NCB amount?
Example: 5L as base sum insured became 10L with NCB after 2 years. And I have super top up with 10L as deductible. If claim is of 11L, do I have to pay anything out of my pocket?
What if there was a 3rd claim in the same year of Rs 6 lakhs?
Option 2 me kaise payment hota?
Recharge benefit 1 saal me kitni baar milegi in super topup plan?
Very nice information. 1)Harsh Sir ka CNBC ka detailed video. 2)Gurleen Mam ki further detailed video. Both are enough to cover almost all doubts & differences between the Base & Super Top up Policies
Thanks jee, This comment made my day 😊
Thank you for explaining. This is informative for most of us
Thank you Gurleen. Exactly what I was looking for.
Glad it was helpful, keep watching !
Very useful video. And timing saving. Lot of information, all relevant in straight language. Thank you.
Thank you so much jee :) Keep Watching !
Most welcome jee 🙌
Mam my base and super top up is with same company but room limit is different . In base policy any room is allowed but in super top up onle single private ac room is provided. Then how will the company give claim if the amount exceed than what is covered by base policy . And post hospitalization is also different in base it is 180 days but in top up it is 90 days how will they give claim please clarify.
If I have a 5 lakh base with 95 super top up(5 deductible) from the same company, I won't have to worry about any problem except the issue of buying on the same date. In that case single 1cr insurance and 5+95 are the same even if my claim amount goes as high as 99 lakhs with multiple/single hospitalization, it doesn't matter. Am I wrong anywhere?
Hi Varun, this understanding is absolutely correct.
I can buy only super topup, As I can afford till 10 Lakh but after 10 to 40 lakh I couldn't, is there any option available for the same
Yes, you can buy a super tp up plan with 10 lacs deductible option
Crystal Clear 🔮✨. Thank you!
Thank you jee, keep watching !
Aditya Birla Active fit plus and platinum Enhanced plan me konshi best he??
Does Super Top up work on sublimits of base policy amount ?
Example: Arogya Sanjivni Policy ( base amount worth Rs. 5,00,000 ) has ICU limit 10,000 /-.
If claim amount is 2,00,000 /- but ICU charges 20,000 /- in this case Super Top Up will work or not for claim settlement Rs./- 10,000 ?
I wait for ur videos. U give good information and easy explanation too
Thank you jee :)
Nice information ma'am. I have 5 lakh insurane from my empoyer. So i jsut took super top up from niva bupa (Health recharge) of 95 lakh with 5 lakh deductible for my family, 3 years back. KIndly suggest if this good approach and good plan to take.
which insaurance to take :( I am not able to decide
You can connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options.
seriously 2 health card sambhalna is a problem?
Mam, one question is there. In super top up are there any deductible amount?? Say i have niva bupa 10+90 super top up policy.
Yes, super top up comes with deductible option which can be fulfilled by base insurance
Mam
I've Health insurance of 10 lakh but deductable in super top up from other company is 5 lakh.
If bill is 15 lakh then what happens
15 l calim will be paid
Thanks for a detailed explanation...I've a couple of queries...1. My employer has taken a group insurance to cover employees. Can I take a topup on that or is topup not applicable to this type of coverage..2. I have also taken a Jeevan Arogya Policy from LIC which is a family floater. Is this policy eligible for top-up? You inputs will help me plan accordingly...thanks..
I have a question
Should i take one sum insured + one super top-up insurance
or
Take only 1 unlimited restoration benefit insurance?
I have star health young star gold. Please suggest should i upgrade my plan to star health assured insurance policy ( unlimited restoration plan) or take one super top up insurance?
⏩ Suggest one super top up policy along with star health young star gold plan
Aggregate Deductible mein kya kya count hota hai? Only In Patient Hospitalisation or Including Pre & Post or Including Medical Lab Test + Pharmacy?
Ma'am mai mnc me kaam krti hu aur mera insurance hai jo compulsory hai. Lekin last month salary se kuch amount deduct hua under heading top-up/OPD recovery. HR se baat ki to unhone kaha ki ye aapne opt kiya hai isliye ye deduction hua hai aur ye ab agle saal hi revoke hoga. Unhone kaha ki ye cancel nahi kr sakte. Lekin mujhe yaad hi nahi ki maine ye opt kiya hai. Shayad galtise kiya ho. Ab itni badi amount har mahine salary se deduct hona mushkil hai. Mai kya kar sakti hu? Please bataye. Kya mai ye abhi opt out kr sakti hu??
Your HR can only help you in this
I am confused between two policies Niva Bupa ReAssure or Care Advantage (25L sum assured). Care Advantage is too cheap when it comes to 25L policy. Which is better?
Hi Jasmeet, please contact our team on WhatsApp/Call at 9650706699.
Our team may assist you in choosing a suitable policy.
Thanks :)
Very useful information and topic
I have based policy 5 lacs + 7 super top up same insurer
But wants to Add one more super top up policy
Reliance or Star Health maximum cover
Ples guide us
Thank you & Appreciated 🙏😊👏
Ma,am I have send to you one mail but yet get any update from your side.
After sales service how we can get ?
Dalip
Hello ma'am,
I want to know 1 query regarding super top up policy.
Can we buy Super top up without any base policy like 3 lac deductible and 7 lac coverd.
Is this cliam get settle for the amount of 10 lac ??
7 lacs will be covered from super top up , 3 lacs apko khud pay karna padega pehle
Hey. Wanted a 10 lakh policy for my sister. Should I go with HDFC ergo, young star insurance or max bhupa (1 crore)? Your help would be appreciated!
Hello Raza jee, please get in touch with our team at 9650706699 or info@hareepatti.com to understand your requirement and suggest accordingly
Sum Insured 5 lakh (Base plan) + 20 Lakhs (super top up with deductible 5 Lakh)....
1st claim 5 lakh
settled in base plan
2nd claim 6 lakh
how its going to settle?
2nd claim - 6 lacs , will be settled from super top up policy
what will happen in case i will not take any base plan and opt for only supper top up plan from 100000 to 1CR ? Please advice :)
Yes, you can do that.
Deductible need not necessarily mean that you need to have a base policy, it means that First 10 lacs in a year will not be paid from the super top up plan.
@@GurleenKaurTikku
Thanks for the reply and clarifying the doubt.
Hi mam. Your doing a wonderful thing by this info
I'm holding Health companion of 5L with wife and two kids
Have top up of 90L.have been with max bupa for more than 8 years now
Thinking of moving to reassure. Pls do guide
Finding difficulty in moving as maxbupa not helping since a week
Please get in touch with our team at 9650706699 or info@hareepatti.com
navi ka 5l ka insurance chal raha hai.. extra care insurance ka 45l ka super topup insurance lena better hai indmoney se ya navi ka hi lu?
Excellent information ❤
Ma'am pls advise which will be better 10+90 preposition
Or
Single 25 lac cover with 25 lac refill ?
Pls answer urgently
@gurleen Kaur Tikku mam: Can you do a comparision among super top-up plans from NAVI, ACKO, GoDIGIT & PLUM ?
Jee, thank you for the video suggestion.
We will try to work on the comparison and bring up a video soon.
Keep watching !
One question pls: Can someone subscribe a Top-up plan just before 1 week of Hospitalization?
Say, a doctor has found a tumor or a blockage in heart and suggested to admit in Hospital....
Will he get full Base+Top-up coverage (if needed)?
Insurance company will not issue policy if there is a diagnosis or ongoing treatment
Can insurance company cancel the top-up in future? because if they have done then what insurer can do because we can't increase the sum assured after a single claim.
How about if we take 3/5 lakhs of base policy and 40/45 lakhs of super top-up over it, i guess it will be far better option right!
Mam i have question regarding medical health insurance. I have a insurance from my company 2lac. I want to know if my hospital bill 10 lac then what can i do.
Can i purchase a super top up on my company policy or a additional insurance? I am so much confused.please give clarity sir.
Hi mam thanks for this video. Mera sawal yeh he k
Agar mere pass 10 lakh SA + 30 lakh ka super top up ka policy he and mere family me 3 members he
Agar puri family ka bill ek hi baar me 40 lakh bill aagya to is scenario me kya hoga?
Hello Mam,
I have corporate ID, I want to claim from that link. But when I enter my membership number and date of birth and submit it, after that in (Select Member colum : its showing loading please wait) and it's counting showing that after 1 hour waiting
Kindly help me
Please get in touch with your corporate insurance provider, they will be able to assist you
Thank you 🙏 very informative
Glad it was helpful, keep watching !
Mam. Agr mne base 10 lakh ki policy li or mne ek year mai 5 lakh ka claim aa gya tbh mere 5 lakh base bachega shirf or next year mai 10 lakh tkh claim mil skhta top up or super top up nhi liya hai mne please mam clear krna
Very Helpful Information for Policy buying!
Thank you so much !
Keep Watching :)
Mam I appreciate your efforts, and I know you are trying to make this important info to understand but the video is not very easy to understand their is lot of info is given in the video. Try to summarize and make it easy to understand for common man. I understood it but not everyone will get it.
Noted, we appreciate your feedback. We will definitely work on this and try to make it more understandable in our future videos ✅
Agar base policy claim amount exhaust ho jata hai aur koi restoration nahi hai toh in the same year super top se claim kar sakte hai kya ?
Just amazing. Truly precise information. Thanks 🙏
Thank you so much !
Nice information mam, please make video on health companion and health recharge combination.
Sure, Thanks for the video suggestion.
If you have any queries regarding health insurance, contact us on WhatsApp/ Call at 9650706699
Mam if I purchase Nivabupa health insurance with a base cover of Rs.10 lakhs with riders of PED, Hospital cash, Non consumables items and also want to buy super topup plan of 90 lakhs. Can super topup plan will also cover these riders up to the sum insured of super top up plan.
Riders are not available in super top up plans
Thank you ❤️ Mam for the valuable information..
Thank you jee :) Keep watching !
Thank you so much for your time
How does these 2 optiobs effect during porting ? Will the Waiting period be based on base sum insured or super top up ?
Base sum insured
Explained amazingly.
Thank you jee :)
Mam ak video banaiye jesme insurance company policy lene k bad insurance paper me chota chota type me likha hota hae team & condition. Likin video bohot lomba hoga likin isme bohot sari logo ko benifit milega. (Kya milga or kya nehi milega or milega to kis kis condition pa milega)
We have made a few videos on Exclusions in Health Insurance . You can check these links : ruclips.net/video/eYI9df3r_8s/видео.html
ruclips.net/video/A28UcDNVNj8/видео.html
Thanks
Ok Mam Many Thanks
Madam what is difference between top-up, recharge, refills in helth insurance?
This has solved a very big confusion in my life.
Glad ! Keep watching :)
Reasonable and Customary Charges Kya hai ? .. - Because of this clause I am not willing to take the Max Bhupa Reassure policy . Please enlighten ?
Hello Mam , Which company is better between , Start Health , Hdfc Ergo and Max Bupa , ( I want to buy policy for 2Adults M40 , F38 , Child. 2.8 ) Sum Assured. Below 5 -10 L ,
Pls. Suggest best plan If we'll go with Super top or Super Surplus ,
OR pls.suggest the plan without Super top and Surplus also...
Thanks.
Awaiting for your valued suggestion.
Geet jee, Please get in touch with our team at 9650706699 or info@hareepatti.com. Need to know few other details also to suggest the suitable policy.
You also fill details here - hareepatti.com/contact-us/
and we will get in touch with us.
good
Thanks, keep watching !
thanks ji
Thank you :)
Good evening mam just want to know that whether liberty supra covers advance cancer therepy like proton therepy . Seeking your advice
Madam, my mother has a SBI general's "group health insurance policy" and she got the benefits of cashless hospitalisation with approval of 90%of total claims amount for two times in the last two years. Company unapproved 10% of claims on ground of no pay against RMO fees, ward consumable charges, admission charges and gloves,shyriges, face mask etc etc. So,
Has she got fair claim settlement or should she have got more? What is your opinion?
Please contact SBI insurance for this as group health insurance benefits are different than retail policies
Very informative video. I am having policy from united india insurance. I got policy for 20 lac base cover + 20 lac super top up= 40 lac. should i increase my super top up policy? i am getting 30 lac/55 lac / 80 lac options. premium difference is not much in these options. my age is 38 and my policy is 30 yrs old with no claim till date. please suggest which combination to select or continue as it is with 20+20. thank you in advance
Hello Mam, Thanks for the information.
I have a question.
Q: I am a smoker, and suppose I get any illness of lung or heart, will the insurer pay for that? if yes, can you please tell me the company name(Both Health and Term)?
Mam.. Mere pass 10lakhs ki niva bupa reassure hai aur usmne unlimited refill aata hai, to kya mujhe 40lakhs ka super top up lena chahiye? I have a family of two... Me and my biwi... Super top ka premium almost 25% hai base cover ka
Yes, you can buy super top up as refill will be equal to base sum assured every time , so 10 lacs se upar ke single claim me you can use supertop up
Mam Maine ek super top up policy nikala hai kya vo Mai cliam kar sakati hu kya us policy ke jariye mai hospital Mai admit ho sakati hu kya
मैम ncb तो सही हैं पर कुछ कंपनीया cumulative बोनस भी देती हैं क्या यह सही हैं
Mam super top up key liye waiting period kitna hota hai?
Hello Jee,
Planning to buy Niva reassure for 2A2C . Axis bank is offering some additional along with reassure.
Reassure 10 L and they offer Super protect plus , 30 L 3 L deductible with minimal cost of 2500.
So nearly 25K i m getting 10 L Reassure and 30L super top with 3 L deductible. Will there be any prob for claim process if both from NivaBupa. What r loading in super protect?
Advisable to go ahead or i should only go ahead with anyone with 10 L deductible? M 42 Y.
Jignesh jee, The plan super protect plus is offering of group insurance and given through bank only. That is why cost is lower. You may have to shift to retail plan once the tie up with Bank and insurance company is over.
I will suggest go for retail plans - here reassure + recharge through Niva Bupa instead of a bank.
Mam Himanshu aggrawal has questioned that without any base plan we can choose super top up plan of any company...but what would be its benefit by doing so?
Eg if I addimited in hospital for any health regarding issues and and I have 50 lakhs rupees top up plan..and my hospitalization and treatment costs would about 25 lakhs..then super top up plan of that company would pay cashless/reimburse to that hospital?and would it also cover pre n post hospitalization expenses?
It is a personal choice to buy super top up without having base coverage.
Super top up plan will be paying after the deductible threshold is crossed, can be taken in cashless if hospitals is in cashless network and you can apply for reimbursement also. Pre / Post expenses will be covered.
All such things you can take care before buying policy. Thoda study karna padega. Need to understand how these company works etc... But insurance works on the concept of probability. So how many times you would need refill ? Main concept is we need to see the claim settlement ratio of these companies. Even if premium is higher, I would say go for Super top up. E.g. Bajaj - Extra care. And specially for people who has corporate policy. They should treat that as base policy and take a super top up policy based on this.
When one has Unlimited Restoration in Policy then is there any need of Super Topup ?
Hi Mam I have taken max reasure insure today of 10lac for me and my wife.. No child and have also done super top up of 40lac for same.. But I was not aware that restore benefit is different and super top is different.. I thought we have to buy super top up then only my restore benefit will be activated.. What do I do now..?
Please continue holding both the plans as for super top up , the premium must be negligible and gives you advantage of higher coverage
Very well explained. Thanks!
Thank you so much, keep watching 😊
Hi can we go for only supertop with deductible without base policy
yes, you can
Nice information, I have one query, if base plan was already used earlier ,in future can we claim directly from top up if there is no refill option
Yes if you have selected aggregate deductible which is available in star super surplus gold plan but in silver plan for every hospitalization you will have to pay the deductible amount chosen by you. So always go for gold plan or super top up plan.
Base Policy - 5L
Super Top Up - 10 L
If my base policy doesn't have a restoration benefit and I exhausted 7 l in single hospitalisation i.e 5 l from base and 2 l from Top up. In the same policy year by chance if I have another claim of 1 l. Will the top up plan pay me or these plans are only suitable with restoration benefits??
It will be paid from Super top up
If restore benefit is available in your policy, then you can claim restore -5 lacs and balance 8 lacs from super top up
Is it possible that we can take super top up without base policy
For example upto 5 lakh i can manage by my own and above that i need a helping hand of insurance company
yes
Very very informative video !!
Glad you found it informative !
Thanks
What is not covered in Super Top Up
a. Chronic health conditions including ischemic heart disease, chronic liver disease, chronic kidney disease, cerebro-vascular disease/ stroke, bronchial
asthma and neoplasms which are not directly related to the patient’s immunity status would not be covered under this benefit.
b. Lifestyle diseases like diabetes, hypertension, heart diseases and dyslipidemia which are not related to HIV / AIDS would not be covered under this
benefit.
Mera Aditya birla ka 3 saal purani policy hai jiska PED waiting period 4 saal ka hai agar mene koi PED disclose nahi kiya hai to kya wo 4 saal baad cover hongi?
Nilesh jee, only disclosed PEDs are covered after 4 years.
PEDs known and not disclosed will not be covered.
But mam the NCB will reduce at the same rate if there is a claim right. So what's the deal. Pls
Laser Treatments are not covered in most of the policies. Any idea why & any suggestions.
Laser Treatments are excluded from the standard health insurance policies as it is an elective/cosmetic procedure.
But, nowadays many insurance companies have started covering them too.
Maam, please go for pictorial explanation, it is hard to understand top up plans.
jee, THANK YOU FOR THE FEEDBACK. We will definitely tyry to work on it more.
I have existing Health Insurance of 09 lac with max Bupa (Health Companion). So should I go with Super top up of Max bupa?
yes, you can
Can I take super top-up on my company insurance and are my parents will be coverd under supertopup
Yes, if you take super top for parents, they can be covered
As there are options of converting max super top up plan(95lakh for ex) to base plan or in other words reducing deductible to zero.I need to ask in that case will base plan of 5 lakh + 95 lakh super top up be provided or 1 crore base plan be provided.
If 1cr base plan be provided that would be too costly . In other case 5 + 95 it will be cheaper there's not much details in brochure regarding this.Kindly assist please.
Yes, you can reduce deductible to zero after 5 years. Also, if you don't want to pay premiums for 1 Crore policy, you can give request to reduce the sum assured as per your needs.
Do not think too much about restore/refill/recharge benefits. They are increasing premiums behind these benefits and they are offering these to increase market share in competitive world. No insurance company thinks the benefits of policy holders. After all they are doing business. In my opinion, a simple base policy of 10L and 40-50L super top-up with 10L aggregate deductible is sufficient for many of us. Once you have this in place, focus on building medical emergency fund and staying healthy and fit.
lets change the super top-up example with buying "20L base policy" vs "10L base policy with 50L super top-up with 10L deductible", and you know the reality.