How To Keep Your Family Super Safe!

Extensive cover at an affordable premium makes super top-up health plans an ideal bet.

- Naveen Kumar

Health insurance is one of the best ways to deal with medical emergencies. However, many people do not buy any cover at all, leaving themselves and their families vulnerable to uncertainties or at best go for a limited, basic insurance cover. While mediclaim premiums are getting competitive by the day, there’s an even better way to covering oneself at a very affordable cost—super top-up health insurance plans.

A super top-up is a health plan that provides medical cover over and above a declared amount, which is called deductible. You can either have a basic health policy, which can help you get medical cover up to the deductible, or you can pay this amount from your own pocket. Any amount over and above this deductible is paid by the insurer. For instance, if you have a basic health plan of Rs 5 lakh and take a super top-up of Rs 10 lakh, your total cover goes up to Rs 15 lakh.