Top ups and super top ups are considered to be effective for those days when a person is hospitalized due to ill health and his bill is more than the base medical cover. This happens for those days when the medical cover money runs out during treatment.
Do you know about health insurance top-ups and super tops? This method is similar to how we recharge our mobile plan. You can also avail more facilities by topping up the health policy. There is no need to pay premium too much. Top up is a way to increase the coverage of a health insurance policy.
You can increase the sum of even insured by using the top up. This work is done in two ways. Either request the insurance company to increase the insurance or you can increase the sum assured through top ups and super top ups. According to experts, with the help of top ups and super top ups, you can get more insurance cover for less money. The facility which is already available on the health policy will be available, but by getting top up, you can get more coverage by paying some money. The top up plan is called Safety Net which helps policy holders in bad times.
When the plan money runs out…
Top ups and super top ups are considered to be effective for those days when a person is hospitalized due to ill health and his bill is more than the base medical cover. This happens for those days when the medical cover money runs out during treatment. You can take advantage of it for the whole year by making it top up. This cover is available through top up at a very low price.
Critical illness note
For those who have a serious illness, there is a possibility of being admitted to the hospital again and again, in such a situation the top up plan helps a lot. The expenses of some serious illness can also be paid by paying some money. It can be understood with an easy example. For example, suppose you have taken a health plan of 10 lakhs. You think it should be increased. For this, by taking the top up of some money, you can increase the amount of 10 lakh to 25 lakh. This facility gives you additional protection as the cost of treatment increases.
What is the top up plan
Many insurance companies offer top up plans. You can also buy it from your health insurance company. There is no age limit and anyone between 18 and 80 years can buy it. Those who already have a health policy can take the top and super top up. This increases the amount of insurance by which the coverage automatically increases. Its direct rule is that when you want to reduce your premium and get more benefits in your health insurance policy, you can buy a top up plan.
