Which is the best super top up policy ? Mediclaim of a larger amount or super top up ? Which is better

[Veerendra]

Dear all,
Greetings
I want to know which is the best super top-up policy. Is floater facility available in super to-up policy?
Is it better to take a mediclaim of a larger amount or it is better to take a super to-up policy.
I have a mediclaim of rupees 1.5 lakhs.
I want to take a super top-up policy for my family.
Myself I am 48, my wife 43, my son is 13, and daughter is 7.
Please suggest a best super top-up policy which will also be of use of in the long run for me. I want a policy which has life long renewal.
Hope to see many responses & many thanks in advance for the same.

Thanks & best regards,

Yours Sincerely,

Dr. Veerendra Darakh

[Manish_Kumar]

Dear all,
Greetings
I want to know which is the best super top-up policy.

There is no universal product best for all. :cool:



Is floater facility available in super to-up policy?

Yes. Check below two plans:
1- United India's - Super Top up plan (https://uiic.co.in/node/1960)
2- L&T Super Top up Plan – Medisure Super Top-up Plan (http://www.hdfcgi.com/my-health-medisure_super_topup.htm)



Is it better to take a mediclaim of a larger amount or it is better to take a super to-up policy.

It depend on various factors - Which Type of Health Insurance plan you have? Age Group? Claims History? etc.



I have a mediclaim of rupees 1.5 lakhs.
I want to take a super top-up policy for my family.
Myself I am 48, my wife 43, my son is 13, and daughter is 7.
Please suggest a best super top-up policy which will also be of use of in the long run for me. I want a policy which has life long renewal.
Hope to see many responses & many thanks in advance for the same.

Thanks & best regards,

Yours Sincerely,

Dr. Veerendra Darakh

You can check above plans or go on Policybazaar, Medimanage etc.

[Veerendra]

How is APOLLO MUNICH OPTIMA SUPER PLAN.

What are the points that we need to check while taking super top up. Here is the tentative list that I have made.

* It must have family floater
* It must have facility for life long renewal.
* Claim process must be easy.

Please add on to these points.

Regards,

Veerendra Darakh

[Veerendra]

Is there a TPA in super top up plans also. Can we get a cashless type of card.

Hope to see a lot of comments.

Regards,

Veerendra Darakh

[Manish_Kumar]

How is APOLLO MUNICH OPTIMA SUPER PLAN.

It's a good plan and tick all the boxes listed by you above.

I have made a quick premium comparison for you.
913914



What are the points that we need to check while taking super top up. Here is the tentative list that I have made.

* It must have family floater
* It must have facility for life long renewal.
* Claim process must be easy.

Please add on to these points.

Regards,

Veerendra Darakh

In all the three policies above points are covered. It's your personal decision which plan you wanted to buy. Some go with PSU... some to Pvt.

[Manish_Kumar]

Is there a TPA in super top up plans also. Can we get a cashless type of card.

Hope to see a lot of comments.

Regards,

Veerendra Darakh

Yes there is TPAs in Super Top-up plans. You won't get cashless facility.

[Manish_Kumar]

Did you try comparing on the websites provided above?
If yes, please share your results?

[Veerendra]

Did you try comparing on the websites provided above?
If yes, please share your results?

I sent a mail to United India and L & T by following your links today morning. No response till now . It is arpound 9.00 p.m now. Hope to see a response by tomorrow.

Why not straight away buy a mediclaim of a larger amount. Is there a price advantage in buying a super top up policy.

Regards,

Veerendra

[Manish_Kumar]

I sent a mail to United India and L & T by following your links today morning. No response till now . It is arpound 9.00 p.m now. Hope to see a response by tomorrow.

You can check yourself - see attachments.


915
916




Why not straight away buy a mediclaim of a larger amount. Is there a price advantage in buying a super top up policy.

Regards,

Veerendra

Each plan is designed for different purpose > Low Premium is one of the reason.

Top-up Vs Super Top-up Health Insurance Policies:
917

Source - BB.com (https://www.bankbazaar.com/health-insurance/top-up-super-top-up-plans-india.html)

Also see:
1- http://www.policywala.com/what-is-a-top-up-health-insurance-plan/
2- http://www.policywala.com/forum/showthread.php/3179-What-is-a-Super-Top-Up-Health-Plan

[Veerendra]

You can check yourself - see attachments.
915
916

If the company does not respond in time it perhaps could mean that their service is not up to the mark. Anyway I expect some response today.

Veerendra