Limitations of Super Top Up Health Insurance | Why Super Top ups are Cheaper ? Health Insurance 2022

The whole insurance industry is busy promoting and selling super top-up policies as a “cheaper way of upgrading” your health insurance cover.
In this video, we will try to educate the investors on the limitations of such combo top ups or exactly why they are cheaper compared to a single cover.
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#healthinsurance #healthinsurance2022 #supertopup #topups #healthinsuranceagent #healthinsuranceindia #supertopups #insurance2022 #healthinsurancetopup #topupcombo #insurancepremiums #gurleenkaurtikku #lowpremiums#hareepatti
Disclaimer : Information presented in this video is for educational purpose only. It may not necessarily be taken as financial, legal or any other type of advice. It is not as per individual needs, objectives or financial situation of any particular person.The video is based on 15 years of experience of Financial industry.
It is based on researches from various books, internet etc and may include opinions of one or more persons who may or may not be the part of Hareepatti.
Gurleen Kaur Tikku or any other team member of Hareepatti will not hold be held responsible as this is not to be considered as personal finance advise.The video does not mean to hurt anyone’s sentiments or spread rumours of any sorts.Viewers should do their own due diligence before taking any action based on the video.
Viewers discretion is advised.

[@doccsquare6207]

wow i had been banging my head against insurance agents about the differences between 2 things and nobody was able to answer... your video was clear and comprehensive

[@GurleenKaurTikku]

Glad, Thank you so much. If you want to buy a health insurance policy, connect with us on WhatsApp/Call at 9650706699 Thank you

[@michiokaku98]

That's sometimes happens with people having Deep knowledge. She is a certified Planner not just a normal KZbinr

[@akhleshnagar17]

I usually don't comment anywhere, but your video was exactly about the topic I was eagerly searching for. Thank you so much. Very nice information.

[@GurleenKaurTikku]

Glad it was helpful, KEEP WATCHING 😊

[@Boss-hn8ue]

Loved this video. You know what you are talking. Subscribed❤️

[@RahulSharma-ps1rf]

Thank you for explaining. This is informative for most of us

[@zindagikasafar7442]

Thanks Madam you clear my all queries..... In one video understand which police I have to go for. You are the Best. God bless you

[@GurleenKaurTikku]

Great :)

[@rohanbhadoria860]

Base + top up works fine ...my frnds dad recently got hospitalized...5 lac base + 20 lac top up ...total bill was 9 lac....got full cover no single rupee spent...hdfc ergo was his policy

[@GurleenKaurTikku]

Great 😊✅ #HealthInsurancwZarooriHai

[@rishikajain7634]

Is cashless available in super top up?

[@mybeesteppedonadog]

First video which has the genuine information.. Thanks a lot

[@GurleenKaurTikku]

Glad it was helpful!

[@amitdhenge6501]

Very nice information. 1)Harsh Sir ka CNBC ka detailed video. 2)Gurleen Mam ki further detailed video. Both are enough to cover almost all doubts & differences between the Base & Super Top up Policies

[@GurleenKaurTikku]

Thanks jee, This comment made my day 😊

[@kunalberi416]

I wait for ur videos. U give good information and easy explanation too

[@GurleenKaurTikku]

Thank you jee :)

[@hemangoroy1065]

Thank you ❤️ Mam for the valuable information..

[@GurleenKaurTikku]

Thank you jee :) Keep watching !

[@mrsambitkumar2323]

Yesterday.. I heard about super top up health policy.... I was very much excited..... now my nerves have come down Thank a lot... 😊

[@nareshmoharkar]

Very useful video. And timing saving. Lot of information, all relevant in straight language. Thank you.

[@GurleenKaurTikku]

Thank you so much jee :) Keep Watching !

[@GurleenKaurTikku]

Most welcome jee 🙌

[@hirendave1254]

Just amazing. Truly precise information. Thanks 🙏

[@GurleenKaurTikku]

Thank you so much !

[@robingoyal8289]

U missed consumables as an add on cover which cannot be added on super top up but u can have it in higher base policy

[@GurleenKaurTikku]

Thanks for sharing

[@chahem]

tata super top up has that too

[@deveshjain2438]

navi ka 5l ka insurance chal raha hai.. extra care insurance ka 45l ka super topup insurance lena better hai indmoney se ya navi ka hi lu?

[@ravisharma2976]

Good evening mam just want to know that whether liberty supra covers advance cancer therepy like proton therepy . Seeking your advice

[@vaibhavdeshmukh238]

Crystal Clear 🔮✨. Thank you!

[@GurleenKaurTikku]

Thank you jee, keep watching !

[@jugalchhetri6168]

Ma'am pls advise which will be better 10+90 preposition Or Single 25 lac cover with 25 lac refill ? Pls answer urgently

[@NitinSingh-xr7ft]

Thank you Gurleen. Exactly what I was looking for.

[@GurleenKaurTikku]

Glad it was helpful, keep watching !

[@tcaa2tcaa2]

Explained amazingly.

[@GurleenKaurTikku]

Thank you jee :)

[@user-lr8hz5jq1o]

Is there any Sum insured Deductibles difference between the two?

[@rattler123]

Very well explained. Thanks!

[@GurleenKaurTikku]

Thank you so much, keep watching 😊

[@premkumarnookala]

Very Helpful Information for Policy buying!

[@GurleenKaurTikku]

Thank you so much ! Keep Watching :)

[@zubinrulz]

Very informative video. I am having policy from united india insurance. I got policy for 20 lac base cover + 20 lac super top up= 40 lac. should i increase my super top up policy? i am getting 30 lac/55 lac / 80 lac options. premium difference is not much in these options. my age is 38 and my policy is 30 yrs old with no claim till date. please suggest which combination to select or continue as it is with 20+20. thank you in advance

[@mayankagrawal9641]

Very very informative video !!

[@GurleenKaurTikku]

Glad you found it informative ! Thanks

[@shivaansharma1309]

Perfect information 👌💯

[@GurleenKaurTikku]

Thanks a lot :)

[@maksmannur]

Hi mam. Your doing a wonderful thing by this info I'm holding Health companion of 5L with wife and two kids Have top up of 90L.have been with max bupa for more than 8 years now Thinking of moving to reassure. Pls do guide Finding difficulty in moving as maxbupa not helping since a week

[@GurleenKaurTikku]

Please get in touch with our team at 9650706699 or [e-mail]

[@jain.swati99]

Thank you. I liked your videos

[@shriankur6395]

thank you. this information is very helpful

[@GurleenKaurTikku]

Thank you, keep watching !

[@nachiketkanase3301]

Thank you 🙏 very informative

[@GurleenKaurTikku]

Glad it was helpful, keep watching !

[@varunsardana8233]

Superb work!

[@GurleenKaurTikku]

Thanks jee :)

[@pankajchoksy8484]

Well articulated

[@shirishdhodwar]

Madam what is difference between top-up, recharge, refills in helth insurance?

[@proudincredibleindian]

Very useful information and topic I have based policy 5 lacs + 7 super top up same insurer But wants to Add one more super top up policy Reliance or Star Health maximum cover Ples guide us Thank you & Appreciated 🙏😊👏

[@AbhishekSinghSambyal]

I am thinking of getting max bupa reassure but when I compare its ICR with other companies it doesnt come in top5. Is is safe to go for reassure considering its low ICR? Would it be risky at the time of claim?

[@aradhyasongs2775]

Do family heath insurance le sakate hai.alag alag company se.

[@diptidabi2943]

Really helpful video..thnx mam..

[@GurleenKaurTikku]

Thank you, keep watching !!

[@Enjoylife-jz1tm]

Mam my base and super top up is with same company but room limit is different . In base policy any room is allowed but in super top up onle single private ac room is provided. Then how will the company give claim if the amount exceed than what is covered by base policy . And post hospitalization is also different in base it is 180 days but in top up it is 90 days how will they give claim please clarify.

[@barinderpartapsingh6278]

Very informative video maam 👍

[@GurleenKaurTikku]

Thank you 😊

[@jyotigandhi3856]

Thanks for the video

[@GurleenKaurTikku]

Thank you :) Keep Watching !!

[@rajmanation]

thanks ji

[@GurleenKaurTikku]

Thank you :)

[@Dinesh_Thakur_-mh6qp]

Aditya Birla Active fit plus and platinum Enhanced plan me konshi best he??

[@arihantjainable]

there is a deductible clause in super top up. Does that respect No claim bonus NCB amount? Example: 5L as base sum insured became 10L with NCB after 2 years. And I have super top up with 10L as deductible. If claim is of 11L, do I have to pay anything out of my pocket?

[@rob9384]

Thank you for sharing the info. Is it possible to buy a super top up plan without a base plan assuming I can bear the deductible from the super top up? Say take 95 lac super top up (with 5 lac deductible) but no base plan? If so, any specific disadvantages of such route?

[@GurleenKaurTikku]

Yes, it is possible to buy super top without having a base cover. No disadvantage, just that you will have to bear the deductible cost

[@rob9384]

@@GurleenKaurTikku thank you for a prompt response. Any recommendations for a super top up that doesn’t has any catch?

[@UrbanEntrepreneur]

10 base + 90 L toptup is the best proposition. You don't need base refiill for that

[@vithalsudhir]

Nicely explained. Thanks

[@GurleenKaurTikku]

Glad it was helpful!

[@dileepk8344]

Very good explanation

[@ashishguptasilla]

@gurleen Kaur Tikku mam: Can you do a comparision among super top-up plans from NAVI, ACKO, GoDIGIT & PLUM ?

[@GurleenKaurTikku]

Jee, thank you for the video suggestion. We will try to work on the comparison and bring up a video soon. Keep watching !

[@daulatrakshe3212]

Nice information mam, please make video on health companion and health recharge combination.

[@GurleenKaurTikku]

Sure, Thanks for the video suggestion. If you have any queries regarding health insurance, contact us on WhatsApp/ Call at 9650706699

[@arvilochanan]

Thanks for a detailed explanation...I've a couple of queries...1. My employer has taken a group insurance to cover employees. Can I take a topup on that or is topup not applicable to this type of coverage..2. I have also taken a Jeevan Arogya Policy from LIC which is a family floater. Is this policy eligible for top-up? You inputs will help me plan accordingly...thanks..

[@canikunjthakrar8045]

Hi Thanks for information Max Bupa says % of sum insured in their brochure if supertop up...its % of what any advice??

[@GurleenKaurTikku]

Please elaborate your question.

[@razahasnain9326]

Hey. Wanted a 10 lakh policy for my sister. Should I go with HDFC ergo, young star insurance or max bhupa (1 crore)? Your help would be appreciated!

[@GurleenKaurTikku]

Hello Raza jee, please get in touch with our team at 9650706699 or [e-mail] to understand your requirement and suggest accordingly

[@rgtalks2104]

How about if we take 3/5 lakhs of base policy and 40/45 lakhs of super top-up over it, i guess it will be far better option right!

[@yshah84]

Aggregate Deductible mein kya kya count hota hai? Only In Patient Hospitalisation or Including Pre & Post or Including Medical Lab Test + Pharmacy?

[@venkatutla8342]

Do not think too much about restore/refill/recharge benefits. They are increasing premiums behind these benefits and they are offering these to increase market share in competitive world. No insurance company thinks the benefits of policy holders. After all they are doing business. In my opinion, a simple base policy of 10L and 40-50L super top-up with 10L aggregate deductible is sufficient for many of us. Once you have this in place, focus on building medical emergency fund and staying healthy and fit.

[@venkatutla8342]

lets change the super top-up example with buying "20L base policy" vs "10L base policy with 50L super top-up with 10L deductible", and you know the reality.

[@shrestharora9596]

Good information ma'am 😇

[@GurleenKaurTikku]

Thanks a lot 😀

[@partha974]

Mam, one question is there. In super top up are there any deductible amount?? Say i have niva bupa 10+90 super top up policy.

[@GurleenKaurTikku]

Yes, super top up comes with deductible option which can be fulfilled by base insurance

[@jyotikriplani6400]

Explained simple things in a very complicated way 😀😀

[@amanpal793]

Exactly

[@johnwolfenstein8631]

You might be having the prior knowledge, but for people who do not have the prior knowledge will find it easy and clarified.

[@iloveindiaankur]

You can upload some video which is more easy tonunderstand

[@zachariahtitus1210]

Well explained.

[@savnazi]

Laser Treatments are not covered in most of the policies. Any idea why & any suggestions.

[@GurleenKaurTikku]

Laser Treatments are excluded from the standard health insurance policies as it is an elective/cosmetic procedure. But, nowadays many insurance companies have started covering them too.

[@nv8743]

Hi ma'am, very nice and informative video. Was planning to take Max Bupa health insurance. Which is the better option 10 lakhs Health Reassure or 10 lakh GoActive. Planning to add 90 lakh Health Recharge super top up. I see GoActive has some OPD benefits, is that useful?

[@GurleenKaurTikku]

Hello jee, If the priority is OPD coverage which is Rs.600 for zone 1 and Rs.500 for zone 2 and maximum 10 visits in a year depending on the plan that you choose, then go for Go Activ plan else Reassure.

[@nv8743]

​@@GurleenKaurTikku Thank you ma'am

[@shalinisrivastava2612]

Thanks for sharing useful information 👍

[@GurleenKaurTikku]

Thank you, keep watching !!

[@ajayb1299]

Good explanation..

[@GurleenKaurTikku]

Keep watching !

[@sagarchauhan9915]

very well explained

[@GurleenKaurTikku]

Keep watching !!

[@jogeshnanda6113]

Mam can we go with chola mandlam ms health insurance

[@jigneshshah5119]

As per my opinion Buy base policy of ICICI LOMBARD’s Health Advantedge plan of Rs. 10 Lakhs and Buy Super Topup of Rs. 90 Lakhs from Niva Bupa’s Health Recharge plan with deductible of Rs. 10 Lakhs. ( May be it can be very from Casa to case )

[@bhairavaswami2660]

Always advisable not to take from different companies sir

[@azar382]

Hi mam thanks for this video. Mera sawal yeh he k Agar mere pass 10 lakh SA + 30 lakh ka super top up ka policy he and mere family me 3 members he Agar puri family ka bill ek hi baar me 40 lakh bill aagya to is scenario me kya hoga?

[@Jigiedu]

Agar base policy claim amount exhaust ho jata hai aur koi restoration nahi hai toh in the same year super top se claim kar sakte hai kya ?

[@tigerjasmeet]

I am confused between two policies Niva Bupa ReAssure or Care Advantage (25L sum assured). Care Advantage is too cheap when it comes to 25L policy. Which is better?

[@GurleenKaurTikku]

Hi Jasmeet, please contact our team on WhatsApp/Call at 9650706699. Our team may assist you in choosing a suitable policy. Thanks :)

[@rennyjacob5094]

Please explain based on the following scenario I have base plan of 5 lakh from 'X' insurance Company and super top up of 10 lakh from 'Y', 1st claim was 3.5 lakh and received from 'X' insurance company If I have another claim of 4.5 lakh in the same year, can I claim 1.5 (5-3.5) lakh from 'X' Company and balance 3 lakh from super top up 'Y' insurance Company? What proof we need to produce that we have used/paid upto 3 lakh before claiming super top up?

[@SwapnilPatil-pr7qe]

Reasonable and Customary Charges Kya hai ? .. - Because of this clause I am not willing to take the Max Bhupa Reassure policy . Please enlighten ?

[@subhamchakraborty9270]

Is modern treatment or robotic surgeries covered in top up plans?

[@GurleenKaurTikku]

Yes, covered. Please refer policy wording of the respective plan that you want to buy

[@monu6356]

As there are options of converting max super top up plan(95lakh for ex) to base plan or in other words reducing deductible to zero.I need to ask in that case will base plan of 5 lakh + 95 lakh super top up be provided or 1 crore base plan be provided. If 1cr base plan be provided that would be too costly . In other case 5 + 95 it will be cheaper there's not much details in brochure regarding this.Kindly assist please.

[@GurleenKaurTikku]

Yes, you can reduce deductible to zero after 5 years. Also, if you don't want to pay premiums for 1 Crore policy, you can give request to reduce the sum assured as per your needs.

[@varunv2088]

If I have a 5 lakh base with 95 super top up(5 deductible) from the same company, I won't have to worry about any problem except the issue of buying on the same date. In that case single 1cr insurance and 5+95 are the same even if my claim amount goes as high as 99 lakhs with multiple/single hospitalization, it doesn't matter. Am I wrong anywhere?

[@GurleenKaurTikku]

Hi Varun, this understanding is absolutely correct.

[@U1vik]

All such things you can take care before buying policy. Thoda study karna padega. Need to understand how these company works etc... But insurance works on the concept of probability. So how many times you would need refill ? Main concept is we need to see the claim settlement ratio of these companies. Even if premium is higher, I would say go for Super top up. E.g. Bajaj - Extra care. And specially for people who has corporate policy. They should treat that as base policy and take a super top up policy based on this.

[@HemantKumar-kq3yw]

mai kon sa health insurance comapny ka agent bnu mam i am confuse plese help me

[@hiranmayib]

How does these 2 optiobs effect during porting ? Will the Waiting period be based on base sum insured or super top up ?

[@GurleenKaurTikku]

Base sum insured

[@amanpal793]

Mam I appreciate your efforts, and I know you are trying to make this important info to understand but the video is not very easy to understand their is lot of info is given in the video. Try to summarize and make it easy to understand for common man. I understood it but not everyone will get it.

[@GurleenKaurTikku]

Noted, we appreciate your feedback. We will definitely work on this and try to make it more understandable in our future videos ✅

[@gautambhan3385]

Please provide sublimits of critical illness and alinments in full information regarding each desease.

[@GurleenKaurTikku]

okay , thank you for the feedback ! We will try to bring up a video soon, keep watching !

[@laxmisoujanya3474]

Thanks gurleen..could you please share why are these top up options available when similar cover is available in hdfc optima super secure where coverage is 5x..

[@GurleenKaurTikku]

Super top up options are available for those who wish to enhance their coverage at affordable cost. Not all plans give 4X or 5X coverage and besides if someone can't afford as cost of these plans will be little higher than base and super top up combo, that is why such options exist.

[@laxmisoujanya3474]

@@GurleenKaurTikku thank you for the clarification

[@GurleenKaurTikku]

@@laxmisoujanya3474 :)

[@biswadevsengupta8383]

@@GurleenKaurTikku What are the advantages of HDFC Ergo Optima Secure plan of Rs 25 L Sum Insured (which will give a cover equivalent to Rs 1 Crore after 2 years) vs taking a super top up combo plan of 5 + 95 from Max Bupa? The premium in the combo plan will be much lower and even if there is no restoration or bonus in this plan, the coverage is still Rs 1 Cr in the 1st year itself which Optima Secure can provide after 2 years with restoration and bonus. So, why should anyone chose Optima Secure at a much higher premium with similar coverage?

[@dipmitra2]

What if there was a 3rd claim in the same year of Rs 6 lakhs? Option 2 me kaise payment hota? Recharge benefit 1 saal me kitni baar milegi in super topup plan?

[@shibnathkundu4951]

Mam ak video banaiye jesme insurance company policy lene k bad insurance paper me chota chota type me likha hota hae team & condition. Likin video bohot lomba hoga likin isme bohot sari logo ko benifit milega. (Kya milga or kya nehi milega or milega to kis kis condition pa milega)

[@GurleenKaurTikku]

We have made a few videos on Exclusions in Health Insurance . You can check these links : kzbin.info/www/bejne/m4qsapecaNeSbtU kzbin.info/www/bejne/d2ObhpZ6g7uBoJo Thanks

[@shibnathkundu4951]

Ok Mam Many Thanks

[@20vjs]

Hi can we go for only supertop with deductible without base policy

[@GurleenKaurTikku]

yes, you can

[@biswajeetsarkar7846]

Nice presentation.

[@GurleenKaurTikku]

Thank you so much 😊

[@subhendudas9009]

I have a question Should i take one sum insured + one super top-up insurance or Take only 1 unlimited restoration benefit insurance? I have star health young star gold. Please suggest should i upgrade my plan to star health assured insurance policy ( unlimited restoration plan) or take one super top up insurance? ⏩ Suggest one super top up policy along with star health young star gold plan

[@sandeshsaboo6936]

Certain top up gives entire room rent more so higher top up policy and ICU claims they also give ncb yes renewable are not there.After a claim make another policy if base policy renewal is not there in policy .Top up ncb or enhanced top up cost is not much it hardly is a cost issue.

[@pravinnayak1306]

Nice information, I have one query, if base plan was already used earlier ,in future can we claim directly from top up if there is no refill option

[@Enjoylife-jz1tm]

Yes if you have selected aggregate deductible which is available in star super surplus gold plan but in silver plan for every hospitalization you will have to pay the deductible amount chosen by you. So always go for gold plan or super top up plan.

[@mandytalk]

Mam i have question regarding medical health insurance. I have a insurance from my company 2lac. I want to know if my hospital bill 10 lac then what can i do. Can i purchase a super top up on my company policy or a additional insurance? I am so much confused.please give clarity sir.

[@dharmarasaily3842]

Hi Mam I have taken max reasure insure today of 10lac for me and my wife.. No child and have also done super top up of 40lac for same.. But I was not aware that restore benefit is different and super top is different.. I thought we have to buy super top up then only my restore benefit will be activated.. What do I do now..?

[@GurleenKaurTikku]

Please continue holding both the plans as for super top up , the premium must be negligible and gives you advantage of higher coverage

[@atcommerce__official3634]

HDFC ergo is best for health insurance policy

[@GurleenKaurTikku]

😊

[@utpalbhakat8727]

Does Super Top up work on sublimits of base policy amount ? Example: Arogya Sanjivni Policy ( base amount worth Rs. 5,00,000 ) has ICU limit 10,000 /-. If claim amount is 2,00,000 /- but ICU charges 20,000 /- in this case Super Top Up will work or not for claim settlement Rs./- 10,000 ?

[@rohitjaiswal946]

Can one increase the sum assured if detected with any critical illness in between policy year? Please make a video on terms and conditions of "Increasing SA of current policy, How does Restore works ". Thanks

[@s....982]

If any one detected any critical illness...BIG NO ., Company will never offer you to upgrade sumassured

[@lavishuppal2529]

Can insurance company cancel the top-up in future? because if they have done then what insurer can do because we can't increase the sum assured after a single claim.

[@jigneshkhatri2487]

Hello Jee, Planning to buy Niva reassure for 2A2C . Axis bank is offering some additional along with reassure. Reassure 10 L and they offer Super protect plus , 30 L 3 L deductible with minimal cost of 2500. So nearly 25K i m getting 10 L Reassure and 30L super top with 3 L deductible. Will there be any prob for claim process if both from NivaBupa. What r loading in super protect? Advisable to go ahead or i should only go ahead with anyone with 10 L deductible? M 42 Y.

[@GurleenKaurTikku]

Jignesh jee, The plan super protect plus is offering of group insurance and given through bank only. That is why cost is lower. You may have to shift to retail plan once the tie up with Bank and insurance company is over. I will suggest go for retail plans - here reassure + recharge through Niva Bupa instead of a bank.

[@mohitjain2192]

This has solved a very big confusion in my life.

[@GurleenKaurTikku]

Glad ! Keep watching :)

[@santoshkumarsahu6837]

superb. Thanks for describing in detailed. Ma'am I have one doubt regarding my term insurance. how can I reach out to you

[@GurleenKaurTikku]

You can email us at [e-mail] or whatsapp at 9650706699

[@OnlinePizzaria]

Hello Mam, Thanks for the information. I have a question. Q: I am a smoker, and suppose I get any illness of lung or heart, will the insurer pay for that? if yes, can you please tell me the company name(Both Health and Term)?

[@umeshraut147]

what will happen in case i will not take any base plan and opt for only supper top up plan from 100000 to 1CR ? Please advice :)

[@GurleenKaurTikku]

Yes, you can do that. Deductible need not necessarily mean that you need to have a base policy, it means that First 10 lacs in a year will not be paid from the super top up plan.

[@umeshraut147]

@@GurleenKaurTikku Thanks for the reply and clarifying the doubt.

[@chaitaligaygavli6721]

Ma'am mai mnc me kaam krti hu aur mera insurance hai jo compulsory hai. Lekin last month salary se kuch amount deduct hua under heading top-up/OPD recovery. HR se baat ki to unhone kaha ki ye aapne opt kiya hai isliye ye deduction hua hai aur ye ab agle saal hi revoke hoga. Unhone kaha ki ye cancel nahi kr sakte. Lekin mujhe yaad hi nahi ki maine ye opt kiya hai. Shayad galtise kiya ho. Ab itni badi amount har mahine salary se deduct hona mushkil hai. Mai kya kar sakti hu? Please bataye. Kya mai ye abhi opt out kr sakti hu??

[@GurleenKaurTikku]

Your HR can only help you in this

[@Vinayps01]

Do you also provide personalised health insurance advisory ?

[@GurleenKaurTikku]

Yes, we do :) You can get in touch with us on WhatsApp/Call at 9650706699 or you can fill up this form & our team can connect with you directly. FORM LINK : hareepatti.com/contact-us/ Thanks

[@rupeshjammyoist93]

Mam Himanshu aggrawal has questioned that without any base plan we can choose super top up plan of any company...but what would be its benefit by doing so? Eg if I addimited in hospital for any health regarding issues and and I have 50 lakhs rupees top up plan..and my hospitalization and treatment costs would about 25 lakhs..then super top up plan of that company would pay cashless/reimburse to that hospital?and would it also cover pre n post hospitalization expenses?

[@GurleenKaurTikku]

It is a personal choice to buy super top up without having base coverage. Super top up plan will be paying after the deductible threshold is crossed, can be taken in cashless if hospitals is in cashless network and you can apply for reimbursement also. Pre / Post expenses will be covered.

[@Sandyy1401]

Wonderful video. . I am 35 can i go for reliance health insurance as it has 100% claim settlement. . Or shud i go for something else. . ??

[@SR01995]

Care, star, hdfc