5 Important Things to Consider When Opting for a Super Top-up Plan

• Written by Care Health Insurance

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When thinking of buying a health insurance plan, you may get confused as to what is the best plan for you and how much you should invest. Some individuals can bear the expenses of the healthcare treatment; others may find their existing health insurance plan sufficient. With increasing medical costs, nobody wants an extra burden on them. A super top-up health insurance plan is an additional cover for individuals who already have an existing plan or a mediclaim from the insured.

If you already have a health insurance policy of Care Health Insurance, you have the option to opt for a super top-up plan from there itself. An individual can opt for a quote after entering the details online.  

Factors to keep in mind while opting for a Super top-up plan

A super top-up plan covers extra medical expenses an insured person has to incur. Mentioned-below are certain factors that should be kept-mind while opting for a super top-up plan.

Calculate the Cost

You can opt for a super top-up plan to complement the health coverage. They work on the concept of deductibles which is borne by the policyholder.

Age

The minimum age for opting for this plan is 18 years and above. The minimum age for dependent children is 5 years to 24 years.

Deductibles

Deductible is a pre-decided  amount that has to be borne by the insured in this plan. This would be applied on an accumulated basis in a year. To manage the deductible you can make use of your existing policy and take care of your healthcare requirements.

Choose super top-up plan wisely

Before opting for a super top-up plan, make sure you read the sales literature of this plan. In case of doubt, you can reach out to the support team and clear your doubts.

Claim income-tax benefits

Buying super top-up plan makes you eligible for income tax benefit for the premium paid under section 80D of Income Tax Act. 

>> Also Read How to Port Health Insurance Plan?

Takeaway

Before buying a health insurance policy after calculating the expenses for day-to-day procedures, pre-existing medical conditions, and pre and post-hospitalization cover. Moreover, super top up plan consider cumulative hospitalisation expenses and cover multiple claims made in a policy year which is an advantage.

Care Health Insurance offers Enhance- a super top-up health insurance plan that acts as a net of insurance coverage. If you are looking for a super top-up plan then Care Health Insurance  is the right choice.

>>Click Here to Know What Makes Health Insurance Useful for You

Disclaimer: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.