Benefits of Super Top Up plan

• Pocket friendly - these plans are cheaper than the regular health plans.
• No constraint - super top up plans can be taken for individual as well as family floater plans.
• Flexibility - you can buy super top up plan from any insurer. For lesser documentation, you can go with the same base plan insurer.
• Saving - tax benefit can be claimed under section 80d.

How it works

Suppose you have a super top up plan of Rs 5l with a Rs 2l deductible amount. It means you are eligible for a claim amount which exceeds Rs 2l in calendar year.

Points to remember

• List of pre existing disease (ped), specified surgeries, co payment and initial waiting period may vary from one insurer to another.
• Generally the minimum and maximum sum insured offered is between Rs 2l and Rs 50l.

Some of the popular plans in india are as follows:-

Bajaj Allianz - Extra care plus
ICICI Lombard - Health booster
Star Health - Super surplus gold
Apollo Munich - Optima super
United India Insurance - Health-super top up
HDFC Health - My:health medisure super top-up
Religare - enhance super top-up