Certain health conditions are extremely severe and require extensive healthcare. It is a must to have a health insurance policy, however, even a health policy may not be sufficient to cover the expense of these critical illnesses. In such situations it is recommended to buy super top up plan that can cover all your sky high medical bills.
Generally, super top up plans are cheaper than base health insurance plans. The deductible limit makes these plans cheaper when compared to regular plans. Higher the deductible (threshold limit), lower the premiums of top up plans.
In case you are suffering from any critical illness and are aware that you would require more medical care in the future it is advisable to buy super top up plan since your base Mediclaim Policy may not be sufficient and paying out of your own pocket will be very costly.
