Do you have a super top-up health insurance plan? How much is enough?

[@Mayank-pk2oj]

watch at 2x speed

[@devashishsharmadz]

yes you are correct

[@nishik810]

Thanks

[@sujansinha1501]

😂😂😂😂

[@kushagrakansal3857]

2 x se jyada ka option bhi hona chahiye iske liye

[@Namitism]

😂😂😂

[@vinaykumarnautiyal3097]

सर आपने बहुत बढ़िया तरीके से समझाया ।

[@paramitaghosh738]

Plz tell how is Aditya Birla active assure diamond health insurance plan

[@Indiansouthdelhi]

Having 3 lakhs silver floater plan of Oriental. Which pvt Co issues 3 lakh Gold plan . Which Pvt Co Super Top up plan is good?

[@vikrantdkadam]

बहोत अच्छे से समझाया सर आपने..👍

[@TheBangur]

Sir please Clear the confusion of Lock in and Lock out period in SBI super top-up policy for Retirees .

[@adityakumarshukl6261]

Does health insurance policy cover blood cancer treatment?

[@subratabhowal963]

Detais discused Aroghya sanjiban plan, wich company premium low in the scheme. Thanks

[@gopalhero8239]

Sir star health ki policy kisi bank mein bhi hai kya?

[@vinodgupta2410]

I HAVE 5L MOC GOVT POLICY,WHAT AMOUNT RHOULD BE KEPT AS DEDUCTIBLE. THANKS

[@ik1599]

bahut accha expalin kiye !!!

[@chetan5697]

I am confused among Religare, HDFC ergo and maxbupa...which is better please suggest

[@mridulamehra3796]

Hamne SBI ki aarogy plus policy le rakhi h super top k liye Liberty supra ka sujhaav diya, kaisa h ye, Claim me koi dikkat to nhi aati h Please🙏 bataye jaroor

[@OhitsmyChoice]

Hi. Tell me one thing. Only one company provide top-up on 5 lakh policy its max bupa, they giving extra 25 lakh top up. But why people Are opting ten lakh , 15 lakh policy?? With top up plan there may be some catch, otherwise why people. Will buy other policy. If they are able to get 30 lakh cover in a 5 lakh policy? Just by adding 3000 top-up on a policy of 13000 .. So I am not sure how the top up works ?

[@pankajmathpal]

Insurance works on the law of average. Because insurers generally experience lesser claims with Top up/ Super Top policies compared to the base policies and hence the premium is low. Premium of Max Bupa Super Top up policy 'Health Recharge' is very low. I don't have any personal experience with Max Bupa but claim settlement ratio as per IRDA and customers reviews posted on internet look ok.

[@vishnukant7893]

Aap na kon sa Medical insurance plan lia hai. Or Top up ya super Top up.

[@kamalveersingh5506]

Mare pass SBI credit card ne group health insurance 3Lakh ka hai kya me super top le sakta hu

[@TheDevendra]

Sir agar meri bade policy 5 lakh ki hai and super top-up 25 lakh to agar in case mera 5 lakh ka ek claim ata hai jo mere base policy se settled ho jayega ...but agar same year me mera firse 5 lakh ka claim aya to wo supertop up se settled hoga? Bcos 5 lakh to deductable rahenge .... please answer sir

[@AsifKhan-fn7ve]

If sum assured exausted , Super top up policy - one time used. Top up policy - many times used with in time frame..

[@Gagandeep32220]

Hello Sir Super topup hai mere pass national insurance ka or base policy bhe national ke hai toh kya topup bhe cashless hota hai kya

[@itzsirisgr]

Sail mediclaim me konsa acha rhga... Maa ko abhi pacemaker lga h.. To aage life k liye suggest karein

[@Rahuljain-oe1ek]

Hello sir I am having jio health policy ,having caping on many disease. Coverage of 6 lakh..my question is they r giving 1lakh rs on knee replacement but my expenses is 3.5 lakh ,so how top-up policy will help me

[@financialplanning8459]

भईया प्रणाम अगर मेरे पास 🌟 हेल्थ की बेसिक पॉलिसी ३लाख की है जो अब ४.९०की हो गई है अगर हम सुपर सरप्लस ३००००० डेडक्टिबल के साथ ले लूं और अगर क्लेम ४.९० से काम बने तो बेसिक पॉलिसी से क्लेम करु और अगर ५००००० से ज्यादा बने तो सुपर सरप्लस से क्या ये संभव है

[@rajendrasharma6964]

Max bupa reassure plan vs hdfc ergo... aap konsa plan choose krte?getting confused un between.

[@dr.koushikbasu3558]

how to calculate deductible amount? does it include pre hospitalisation and post hospitalization cost?

[@pankajmathpal]

It's predetermined in the policy, you don't need to calculate it.

[@techiepuru]

Kya sbi aarogya plus policy parents ke liye lena thik hai ?

[@traveller_tales]

Yes I have bought the same recently for my parents.

[@techiepuru]

@@traveller_tales claim settlement service kaisi hai SBI ki?

[@traveller_tales]

@@techiepuru Haven't claimed yet but SBI is a professional player and won't give any trouble in claim settlement.

[@nandanjoshi4432]

Sir can we take different companies polices and different companies topup

[@vishalkelaskar5335]

Sir agar super Top up kisi dusri company ka ho .. aur claim agar basic insured amount se jyada ho to ham original hospital bills kis insurance company ko submit karenge OR claim kis company me karna hai ...please answer

[@pankajmathpal]

Submit original bills to one insurance company and collect certified copies of bills from them. Certified copies can be submitted to another insurance who has underwritten Super Top up policy.

[@dhrubajyotibora7243]

1. Can we have a super top up policy without having a base plan? 2. Are the bill amounts of multiple hospitalisations added to get a sum total that may be equal to the deductible amount which after getting exhausted one can avail the claim of super top up? For example total bill amounts of first, second and third hospitalisations in a policy year of different family members of a family floater super top up plan is 10 lacs and the deductible of that plan is 10 lacs. So will the super top up plan work after the fourth hospitalisation as the deductible amount has already been exhausted in three hospitalisations? 3. Can a person take more than one super top up plans. For example, first one has 5 lakh deductible 20 lakh sum insured and second one has 20 lakh deductible and 70 lakh sum insured. Please clarify.

[@kakachavhan1764]

सर न्यु इंडिया हेल्थ इंश्योरेंस में टॉप अप है या सुपर टॉप अप है

[@satishchanderseth3770]

Please let me know about Govt. Of India (RBI) 7.75% Bonds or other Govt. Of India Bonds of 7.75%. Satish Chander Seth, HARI NAGAR DEPOT, New Delhi

[@pankajmathpal]

Subscription in Government of India 7.75% bonds have been stopped w.e.f. 28th May 2020.

[@tprakash7349]

Pankanj ji. Suppose mere pass super top up plan hai for Rs 25 lakhs + Rs 5 lakhs basic health insurance hai. Agar koi gambhir bimari hogayi aur maine 25 lakh use kar liya. My question is can Health company refuse super top up plan for next year.?

[@Vj45459]

Not necessarily, there are different topup plans. 1) where you have to pay the deductible for every hospitalization and 2) the company pays the bills if the deductible is reached during a policy year

[@pankajmathpal]

That's the difference between a Top up plan and a Super Top up plan.

[@Vj45459]

@@pankajmathpal even the super top has these two different features. Check star's super topup

[@tarunpathak9186]

Sir, I have HDFC Ergo Optima Restore of 3Lacs FF with 3L Multiplier Benefit. Should i opt for Increase base cover to 5L(Base)+ Super Top up or 10L (Base) + Super Top up Plan. Also, HDFC Optima Super is - "Top Up Plan" or "Super Top Plan" . Please clarify.

[@ans284]

Super Top-up Policy single/Multiple lene chaiye? I have base plan of Rs 5Lacs and want to be purchase additional cover of Rs 90Lacs. Pl. suggest. Which is good for me either Base Plan/Top-up Plan/Super Top-up Plan.

[@Music_Market_news]

Sir, i have 5 lac mediclaim with room cap charge like 1% normal room & 2% for ICU. If i claim 3 lac amount but due to room cap some amount not pass. For ex. Room charge 10000/- but only 5000/- amount pass from my mediclaim due to Cap. If i have 10 LAC super top plan with same above 5 Lac base plan than can i claim in super top up for room charege or another amount which not pass from my base plan.

[@debdootghosh]

hi, pankaj ji I have a base policy of 5lac (ayago sanjivani) , now i am looking to take super top-up plan separately. as I understand by watching ur video super top-up work for multiple claims within a policy year (date of policy issue still expire) 1.will it is an issue in the claim if super top-up policy period is different from the base policy period? scenario 1 : suppose my base policy date is 5th June to 4th June every year & super top-up policy date is 25th June to 24th June every year. my first claim comes on 10th June 2020 for Rs.4lac (paid from base policy) the second claim comes on 1st June 2021 for Rs.2lac (1lac limit left in the base policy) in that case, the super top-up policy will trigger for excess 1lac? (i guess not as my super top-up policy cycle starts from 25th June every year, it won't count the previous claim of 4lac as a deductible for the policy period.) correct me if I am wrong. please suggest me , super top-up & base policy sud be brought together or no issue if brought separately (dates). & secondly sud I brought from the same insurer (base policy insurer) or can be brought from a different insurer.

[@pankajmathpal]

Yes, Super top policy settles multiple claims within the policy year to the extent of Sum Insured in the policy. The deductible amount is applicable only once.

[@debdootghosh]

@@pankajmathpal yes that what i am asking you if the base policy period/cycle is different from the super top up policy period/cycle. (both purchased separately in different time of the year from different insurer) in that case how super top up policy will come in effect, bcz its quite possible my fist claim of the year comes under the diductiable amount of super top up policy , which will settle by the base policy, & in time of 2nd claim during the same year ,a new policy period/cycle started for super top up policy, which wont count the previous claim as a deductible for the new policy cycle/period. i hope I am able to make u understand my point. i am very confused to buy a super top up policy now. please let me know ur view pankaji. thanks for ur reply. Should I wait till next year to buy a super top up policy along with the renewal of my base policy (so the both policy period/cycle same) or I can but super top up policy now if its wont effect in the claim due to different policy cycle/period.

[@robinvincent1]

@@debdootghosh You are correct. Ofcourse the probability that such situation may occur would not be very high. All the same, best to buy both at the same time / as close as possible to avoid unnecessary issues. Hope this helps!

[@bijenderprasad1107]

Sir 1 scenario aap ne miss kar diya please wo confirm kar do Policy 5 lakh base 95 lakh supertop up like by aditya birla 1 st claim 3 lakh - done by base 2nd claim 8 lakh - will it be 2+6 or 5 personal and 3 suler topup

[@diwakarajay]

are bhai ye deductible kya hai ..ye to aapne samjhaya hi nahi

[@satishchanderseth3770]

How much claim can S. W O OPERATOR if now he has chosen SUPER TOP UP POLICY FOR 2020_21)(I think it is 700000,because 300000 is already covered and additional 400000 (Total it is 700000)

[@nancykushwaha8050]

Sir kebal critical illness ka koi plan hai hdfcergo me?

[@pankajmathpal]

HDFC Ergo Health Optima Vital

[@amarshambharkar5311]

Konse company ka super top up achcha hai

[@amitkakria6710]

Are we supposed to purchase super top up plan from the same provider from whom we purchased comprehensive health insurance or we can choose any company?

[@pankajmathpal]

Not necessary. You can buy from any insurer of your choice.

[@bappasaha3715]

Sir, please make one full video on personal protect plan and critical illness plan

[@pankajmathpal]

Sure. Thanks for the suggestion.

[@DK-xo3tt]

I am still confused my point is if we are getting almost 30 lakhs insurance with less premium then why for direct 30 lakhs sum insured is too costly..

[@OhitsmyChoice]

Yes. I am also suspicious of top ups. If this is case why people still opting for expense policy. They can buy a 5lakh policy and just add 3000 rs top-up and they can get 25 lakh extra cover. Total cover will b 30 lakhs. Total policy cost will be max 17000. But other side I bought a policy of delicate for 21k. Sum insured was 10 lakh. And auto relaod after use. Still the cover of my policy is less then 30lakhs. So why why people like me didn't opt 5 lakhs policy and bought ten lakh policy with high premium. Top up wee risky** I think there is some hidden condition on those top up policy .

[@कोल्हापुरीकट्टा-ठ7ग]

Sir maine bajaj family insurance ka health insurance liya 3 lakh rs ka this year one of my family member had Cancer so I can increase my base policy increase kar sakata hu kya Next year primium mai

[@techiepuru]

Kya top-up me pre existing disease ka treatment hoga ? Jo humari basic policy ki terms and conditions pre-existing ki ya co payment ki ya OPD ki vo sab top up me same rahengi ?

[@gameofinsurance]

Pls watch video on your query kzbin.info/www/bejne/jmO1hIelgdiHi80 Pre existing diseases in super top up or top policy get covered after 4 years of continuous renewals.

[@rajdeepdey9844]

Sir in a single financial year as u said, considering the amount as u told in case of basic (5) and super top(25) up plan if in case the second claim comes for 1 lakh after the first claim of 7 lakh,will that be covered in super top up? Because as u describe top up wont cover it, considering I have understood ur elabiration completely !

[@rohitvarma85]

Ek kami rehgayi boss. You didn't discussed 1 lac deductible...

[@captainh1989]

agar restoration benefit hai, to firse ₹10lac fill ho jayega.. tab super top up ka koi jaroorat hai? mera policy mein ₹10 lac basic+ ₹2.5lac bonus+₹1.5lac recharge benefit.. & 3 times 100% restoration benifit to ek financial year mein mere pas kitna amount hoga ??

[@pankajmathpal]

With bonus of Rs. 2.50 you have total cover of 12.50 lakh. Super top will be helpful only if the claim exceeds the total sum insured in the base policy. Restore benefit comes in picture only if total cover is exhausted once and claim arises again in the same policy year but it doesn't allow you to claim more than the sum insured at a time.

[@captainh1989]

@@pankajmathpal accha matlab agar ek hi hospitalization mein ₹15 lac bill hua, then without super topup( jo filhal hain nahi) tab jake mujhe ₹50000/- apne hi pocket se dena parega.. 1.5 lac recharge amount use ke bare mein ap bataya nahi, to mein sum insured amount ke bad wo jor liya..

[@captainh1989]

can I buy Super surplus floater for my senior citizen parents age: 77yrs, 75yrs..

[@sandipdebroy9626]

My Basic Plan Coverage= 5 Lakhs from Hdfc Ergo HEALTH..And Recently buy Aditya Girls Health Insurance Company Super Top up Plan B.. Same Addmission me 2 Company kya Cashless Claim Settele hoga

[@siddharthabodhisattva122]

Dear Sir, is Star Health's super Surplus plan A Super Top up or simple Top up plan???

[@pankajmathpal]

Star Health Super Surplus plan has 2 variant- Silver Plan and Gold Plan. Silver Plan works as a top up and Gold Plan acts as a Super Top up plan as explained in the video.

[@siddharthabodhisattva122]

@@pankajmathpal Thanks Sir...

[@AbhijitChandekar]

Very informative video!

[@pankajmathpal]

Glad you liked it

[@PrashantSingh-xc5oy]

Sir मैंने september 2020 में हेल्थ insurence लिया था ,इस समय super top up लेना चाह रहा तो इस समय लू या बेस पालिसी के रिनीवल के समय लू ? कुछ जगह बताया जा रहा कि रिवीनल के समय लू वो बेस्ट है सही समय super top up का तो प्लीज सर कंफ्यूजन दूर करें

[@indrajitmukherjee3730]

What will be the better option regarding super top up, buying from the same company or from any company ??

[@pankajmathpal]

It will be more convenient to claim benefits if both policies are bought from the same ensurer.

[@satishchanderseth3770]

Retired bank clerk in FEBRUARY 2018

[@Sp-we8vw]

sir my brothrr done his heart angioplasty 5 year ago...any mediclaim policy give him.insurance??which are those polocy??

[@gameofinsurance]

Yes, you even don’t need to declare this as per IRDA guidelines. Any disease older than 4 years before you buy health insurance need not be declared. As per pre existing definition given by insurance regulator IRDA

[@hsnair2803]

Thank You very much Sir. I would like to know which are the better companies in which mediclaim policies can be taken.

[@pankajmathpal]

My experience with Star Health and Apollo Munich (Now HDFC Ergo Health) is good.

[@debajanisarma1673]

@@pankajmathpal Sir.. please say how is Care plus policy..🙏🙏🙏

[@manumathur1323]

Sir, a very lucid and useful video clarifying top up and super top up plans. Many Thanks. Please let me know if there is no claim in the initial 3 or 4 years of a policy then can an insurance company reject my claim on the pretext of pre-existing disease ?

[@pankajmathpal]

Claim will be rejected only if it is established that the disease was pre-existing at the time of issuance of the policy.

[@manumathur1323]

Thanks a lot.. Sir

[@kamleshshah4249]

What happen if I have basic policy of 5 lacs and 1st claim of rs 3 lacs and second claims of 8 lacs in both top up and super topup plans?

[@gameofinsurance]

How much deductible you have opted ? For more information pls watch kzbin.info/www/bejne/jmO1hIelgdiHi80

[@vishalhingane666]

Sir, super top Hain...claim 7 lac Hain so 5 lac base policy se deductable hoga aur 2 super top up se...next time same year me 3 lac claim ya for 10 lac claim aaya to wo company settle karegi?

[@pankajmathpal]

Super top ka sum insured 12 lakh se adhik hona chaahiye. Kyonki 2 lakh ka claim already le liya gaya hai.

[@satishchanderseth3770]

Sir Pankaj please clear the same. Satish Chander Seth, HARI NAGAR DEPOT, NEW DELHI

[@sarika6504]

Sir kabhi gilt fund pe video banaye aur us par taxation kya hai aur writen daily up down kyu hota hai fd ka intrest to kabhi kabhi kam hota hai

[@pankajmathpal]

Good suggestion. I'll do the needful very soon.

[@pankajmathpal]

Video posted today. Do watch and share your views.

[@captainh1989]

sir, I have 10lac policy floater in star, if I chose 25 lac SA in super surplas plan( super topup) would i get benifit of 10lac+25 lac or 10+15 lac= total 25 lac.. considering defined sum/ deductible 10lac.. aur ye pehla ₹10lac mera floater plan se settle hoga?

[@pankajmathpal]

Total 25 lakh only.

[@captainh1989]

@@pankajmathpal ok

[@hanifsurve542]

Sir can you elaborate your answer more. Specially because in above case if I have 10 lakhs main policy and 10 lacs Super Top up then please clarify if I will get coverage of 10 laks plus 10 lakhs= 20 lakhs or not.

[@chinumonu1]

@@pankajmathpal total will be 35 lakh

[@chinumonu1]

@@hanifsurve542 if your bill comes to 35 lakh first 10 lakh will be settled by your base policy and the rest 25 lakh will be settled by super top up.

[@iyappansri6353]

Useful info. Thank u sir. Could u pls explain new 1cr policy (5+95) available from Aditya Birla, Max Bupa, religare. The premium also very low compared with normal base plan. How it is possible? Any hidden or claim restrictions behind this? Pls explain sir. Thanks in advance 🙏

[@pankajmathpal]

These are super top up policies with deductible. Claims for smaller amount are more frequent than the big claims and based on this experience premium for top up/super top policies is lesser than the base policies.

[@iyappansri6353]

@@pankajmathpal thanks sir Could u pls explain about Arogya sanjeevani policy. Can I choose super topup plan against this policy?

[@VenuGopal-tt3ee]

@@iyappansri6353 did you go for it?

[@AmitAgarwal1977]

good video

[@satishchanderseth3770]

Satish Chander Seth, HARI NAGAR DEPOT, NEW DELHI

[@Indiansouthdelhi]

Is Super Top Up plan cashless?

[@pankajmathpal]

Yes

[@rohitshivnarayangoyal5677]

V.nice

[@satishchanderseth3770]

Satish Chander Seth 108 Partap Nagar Near Hari Nagar Depot Jail Road New Delhi.

[@captainh1989]

Star ka 'Super surplus policy' top up policy or super top up policy.. policy name 'super,' magar policy wording mein 'top up' likha hain aur ek bat aj ka ET WEALTH issue mein ek example mein hain ek byakti ₹5lac basic floater policy and ₹20lac super top up leta hain.. to et wealth mein likha hain ki wo byakti aur family ₹25lac ka benifit payega..

[@pankajmathpal]

Star health Super top up policy is branded as Super Surplus Policy.

[@captainh1989]

@@pankajmathpal sir 2nd paragraph, please..

[@vishalsharmaize]

Sir shall I buy super top-up plan from.same company whose base plan I have or I can buy from any company?? And is super top-up claim cashless or reimbursement??

[@pankajmathpal]

You can buy from any company. Base policy and Super Top Up can be bought from two different companies. Cashless claim is possible through network providers.

[@jatinmali1969]

No any company

[@debashishkumarchoudhury7047]

SIR GOOD TIP AND INFORMATION * KEEP IT UP ALWAYS

[@pankajmathpal]

Many many thanks

[@satishchanderseth3770]

Satish Chander Seth, 108 Partap Nagar Near Hari Nagar Depot Jail Road, New Delhi

[@govindlalsarda]

Sir if the base policy is in one company and the super topup is. In other company noth.can be made.cashless r any decision like reimbursement of super topup

[@msphore]

Sir Can we purchase base policy and super top up policy from two different companies ?? And is it ok for future claims

[@pankajmathpal]

Yes, you can. I don't expect any problem in claim settlement.

[@amitdbansod8534]

@@pankajmathpal Thank you sir.

[@captainh1989]

very nice one😊

[@vithalsudhir]

Good information

[@bappasaha3715]

Sir, please suggest one good super top up plan? I already have one basic health plan for 5 lakh

[@pankajmathpal]

You may consider Star Heath Super Surplus or ICICI Lombard Super Top Up Plan.

[@vishalsharmaize]

Sir is super top-up plan claim is cashless or reimbursement??

[@pankajmathpal]

@@vishalsharmaize Cash less claim is possible if the patient is admitted to the network hospital otherwise the policy holder can claim befits on reimbursement basis.

[@swapnaranjan]

Nice information .sir what about sbi general ? I have a health insurance of sa 3 lac+ top up 50 lac. But I want to know about its top up plan .is it work like super top-up of other companies.

[@manishbajaj7954]

Namaste Myself Manish Bajaj I have 5 lakh health insurance floater policy n wish to buy additional two super top up policy of 20 lakh each In what combination of deductibles should I buy super top up so that I can fully utilize my super top up of 20 lakhs each

[@KaranSingh-xf4gt]

Policy lene ke liye contact me 9318319569

[@BongAdda]

Good

[@sumantasen10]

Sir, very informative video. Can I buy a super top up plan from a company other than my current health insurance company? I have hdfc ergo optima restore for 5 lac cover! Do you have any recommendations regarding super topup plan?

[@pankajmathpal]

You can consider HDFC Ergo Health Optima Super. Premium of Max Bupa Super recharge plan is very competitive and large sum insured is available but post sale service is not good.

[@sumantasen10]

@@pankajmathpal Thank you sir!

[@diwakarajay]

sir ye batao na ki jo premium dete hain wo agar claim na karein kabhi to return milta hai ya nahi , also aisa kaun sa plan hai jisme hamara premium with maturity wapas milega agar claim nahi karte hain

[@sadanandhabbu4389]

ओम नमो शिवाय

[@manojpal3435]

Kya bole bhai sahab kuchh samajh nhi aaya

[@pankajmathpal]

Aur ek baar dekh lo, shayad samajh aa jayega.

[@sadanandhabbu4389]

दर महिन्याला सुमारे पाच हजार रुपये गूतवणूक करायचं आहे मार्गदर्शन करावे ही विनंती

[@kanchana5020]

Life insurance madhe investment karavi changlya company madhe...

[@snrealestate6273]

pura upar upar main ja rha hain

[@raghvendradixit3645]

Good