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PRESENTLY I AM HAVING INSURANCE POLICY WITH APOLLO MUNICH FROM THE LAST THREE YEARS. SUM ASSURED IS 2 LACKS. I WANT TO INCREASE TO 10 LACKS FOR MYSELF AND FOR SPOUSE. IN HDFC THEY ARE INCREASING SUM ASSURED BY 50% IF THERE IS NO CLAIM AND PREMIUM IS LOW IF I PAY FOR THREE YEARS. BUT THERE ARE...
The best Option is to go for a Super Top Up Plan as you would be able to effectively be able to increase the coverage without much increase in premium and heavy medical requirements.
Read How to Increase your Coverage without much increase in Premium for a quick reference to all your FAQ.
A Top Up... Read More>>
Hi-I have a family floater of 5 lacs and my company covers me and my family for 2.5 lacs medical-i want to increase my family coverage to about 12-15 lacs ie.5 to 7 lacs more. what are my options-1)increase my exsisting FF to 10lacs 2)Buy one more FF 3)Take a super top up Pls recommende me the...
Dear Ankur,
Read How to Increase your Coverage without much increase in Premium for a quick reference to all your... Read More>>
Thanks for your prompt and valuable reply to my earlier query. Please also advice that HDFC ERGO SURAKSHA is Top up Plan, Does it have benefits of Super Top Up Plan like United India Insurance's. Also, will it be okay, if both Health Ins. and Super Top up policies are taken from same Insurance...
There is no problem to take both plans from the same company as one starts working when the other stops!
Yes, it does. The Pro version of HDFC plan works like the Super Top Up plan of United. hope this information helps!
Having family floater coverage of 5.00 Lacs, DOB 05.11.1967, want to increase coverage to 10 Lacs by taking Super Top up. Seek your advice regard threshold limit to be kept, either 3 lacs or 5 lacs. As my current policy provide limit of 70% of S.I. for major illness & 1% room rent, will rest amount...
Dear Vipul,
You can increase the coverage by opting for a Super Top Up Plan. It makes most sense to opt for Rs 3 lacs of coverage so that your deductible is low enough so that there is no trouble even if only 70% of the Sum Insured is paid.
HDFC Ergo Suraksha Top Up Plan is indeed a good plan where... Read More>>
What are the main DIFFERENCES between HDFC and United India's Super-topup policies? and which 1 should I buy and why? Are there any other points I should consider.
It is a completely personal choice since both the plans are quite good. HDFC Ergo Suraksha Top Up Plan is indeed a good plan where you can stay covered for the whole life since there is no-exit age.
I have a oriental family floater for 5 lacs-i want to upgrade my cover-pls give me some options-shall i increase my existing policy-buy another new 5 lac policy from another company-buy oriental online,could cost me a little cheaper-does oriental have top up or super top up........thks ankur
If you already have a family floater plan, then it makes maximum sense to opt for a Top Up Plan or a Super Top Up Plan with Rs 5 lakhs deductible. You can opt for a Top Up or a Super Top Up Plan from anywhere. It would be much cheaper than a regular health insurance plan.
Dear Sir/Madame Me (63 now) and my wife (49) and three children (all adjults) were insured with Medicliam policy with Oriental insurance directly AND claim free right from first year (some 10) years back but we feel the cover of Rs 1 lakh provided is not enough these days. is it possible we get...
Dear Siraj,
Since you already have a Health Insurance Floater Plan for yourself and your family and you wish to only to increase the coverage, you can opt for Top Up Health Insurance Plan or a Super Top Up Health Insurance Plan, like you have mentioned.A Top Up Plan provides for coverage of expenses... Read More>>
I am thinking of getting a SUPER top-up policy for myself (26) and my mother (50, PED: Diabetes and Hyper tension). I want a 5lac policy with 3lac threshold. I am confused between HDFC and United India. United India being cheaper-- both are identical plans with no sub-limits. Can you advice...
A Super Top Up Plan provides coverafe of expenses for all illnesses in one year after the certain threshold level has been exhausted. This limit is called Threshold Limit.
The premium for a Top Up Plan or a Super Top Up Plan is usually much less than a full fledged Health Insurance Plan.
Bajaj... Read More>>
I have taken a 3lakhs of family floater with ICICI at the age of 40 & now I want to top up it by additional 5 lakhs at the age of 46. Will require medical check up?
Dear Sandip,Since you already have a Health Insurance Floater Plan for yourself and your family and you wish to only to increase the coverage, you can opt for Top Up Health Insurance Plan or a Super Top Up Health Insurance Plan, like you have mentioned.A Top Up Plan provides for coverage of expenses... Read More>>
I am 29 years old, my wife is 26 years old. I have group medical health insurance of 5L from my present employer. I require a health policy incase i leave job and switchover to another company and i dont have a health insurance cover there. Nilesh Bharuch
Dear Nilesh,
Since you already have a Health Insurance Plan from your present employer and you have categorically mentioned that you only wish to increase the coverage, you can opt for Top Up Health Insurance Plan or a Super Top Up Health Insurance Plan beyond the coverage provided by your present... Read More>>
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