Considering the ever-increasing healthcare expenses, it?s important that you have adequate coverage to make sure you?re suficiently covered during a medical emergency. While a regular health insurance plan might be able to provide you with the necessary coverage, sometimes it might not suffice your requirement. This is where getting a super top-up plan comes into the picture.?
A super top up policy is an add-on cover that comes into force when the basic health insurance cover gets exhausted. As the policy pays an important role in the times of need, it is essential to take a mindful decison when it comes to buying the best? super top up policy in India
In this regard, the below-mentioned pointers can be helpful in making the right choice
Factor 1- Sum Insured
Given the rate of medical inflation and the need to protect one’s health, the best super top-up health insurance plans in India with a bigger covered sum is undoubtedly the best option.
Factor 2- Deductible
The deductible has a direct impact on the policy’s premium cost. A low deductible choice usually comes with a higher premium. The best super top-up health insurance plans in India with a higher? deductible, on the other hand, will have a lower premium cost.?
Factor 3- Premium
Several factors are considered while calculating the premium. Review the benefits of the best super top-up medical policy in India and choose a proper deductible option to get a policy with a low price.
Factor 4- Benefits
You want to get a top-up plan to increase your coverage and receive more coverage, but there’s no point in paying a high premium if the policy won’t cover you when you need it most. One such crucial element that will provide you with better coverage is the sum insured restore benefit.? This benefit comes into action when the policy sum insured gets exhausted in the middle of the year. Under this feature, the policy sum insured gets restored automatically up to the defined limit.?
Factor 5- Co-payment
Check the co-payment clause and pick from some of the best super top-up health insurance plans in India that come with lower co-payment options.?
Factor 6- Cashless Hospitalisation
It is a feature of the best top-up mediclaim coverage. Cashless hospitalisation refers to a service where the insurance provider settles the medical bills directly with the hospital authority. It is important to keep a track of the list of network hospitals where you can avail cashless hospitalisation.
Given the devastating effects of the COVID-19 epidemic, an increasing number of people are realising the value of having solid mediclaim policy coverage. The virus has not spared anyone, and with the rising expense of healthcare services, finding quality medical facilities and paying for hospitalisation might be difficult. Invest in the best super top-up health insurance plans in India from insurance companies such as Care Insurance to bring financial relief to you and your family.?
Care Health Insurance offers comprehensive end-to-end mediclaim policy specially customised to give you the best in medical care across their stellar network of 16500+ hospitals across the country. Moreover, they offer coverage for 540+ procedures requiring less than 24 hours of hospitalisation. With a claim settlement ratio of 95.2 claims and in-house claim processing team, you can rest assured that the claim process will be smoother and quicker. (https://mgtrailer.com/) Although Care Health Insurance offers a wide range of comprehensive health insurance plans, it is always recommended to go through your policy fine print thoroughly especially the exclusion part to avoid an unpleasant surprise at the time of claim.?