You will get the benefit of more cover for less money, understand the difference between top up and super top up plan here

If you feel that your insurance coverage amount is too low, you may want to consider upgrading your coverage. The cover can be upgraded through top-up or super top-up.

It is important to mention here that insurance companies do not conduct any medical screening for top-up plans. In this article we are trying to explain both these top-up plans-

If you already have a health policy then it would be right for you to go for the top-up health plan option. With this plan, you get the benefit of more coverage. Not only this, this plan is offered at a lower price to those who already have a health policy.

With the Super Top-up plan, the top-up limit can be used more than once. The benefit of super top-up is available in a situation when the expenses are not covered by health insurance.

After the health insurance expenses are covered, the extra expenses can be covered through a super top-up. This plan is useful for meeting new expenses. However, for this, the health insurance must be upgraded beforehand through super top-up.

A big difference between both these plans is regarding claiming. The top-up plan can be used only once. If your expenses exceed the limit of the insurance plan, you can use the top-up plan only once.

On the other hand, things like single claims are not associated with super top-ups. Claims can be made more than once with this plan.