Top-Up v/s Super Top-Up Health Insurance Policy | Best Super Top-Up Health Insurance Plans 2024

In this video, Ajay and Shashank dive deep into Top-up and Super Top-up health insurance plans-what they are, how they work, and most importantly, how to choose the right one for you and your family.
Ready to boost your health coverage? Don't wait-explore your options today! Hit the subscribe button for more expert insurance insights, and book a free consultation with us to find the perfect plan for you - ditto.sh/kpwy6p
Health insurance is essential, but is your base policy enough to cover all your medical expenses? That’s where Top-up and Super Top-up plans come in, offering extended coverage without the hefty price tag.
We’ll cover:
The key differences between Top-up and Super Top-up plans.
Understanding deductibles: What are they, and why do they matter?
Do you really need a Top-up or Super Top-up plan?
Who benefits the most from these plans?
Our top 3 picks for the best Super Top-up health insurance policies available today.
Whether you’re looking to enhance your existing health coverage or just want to understand your options better, this video has all the insights you need to make an informed decision.
Don’t forget to drop your questions in the comments, and let us know if you have any experiences or tips to share about Top-up and Super Top-up insurance.
Happy Insurance Hunting!
#topup #supertopup #healthinsurance

[@paperdragon48]

For higher premiums like 20 lakhs and above, 10 lakhs deductible + 15Lakhs super top are nearby similar rates. So check the base premium rates before buying super top ups

[@sugatamukherjee4000]

How is the service of Bajaj Allianz

[@sambitdatta1104]

very bad way of putting this video no table no comparison only talk

[@lrsreddy1709]

We have separate base policies. If we take commonsuper top with deductible of 5 lakhs, Then I would like to know whether deductible is common or separate for each policy holder?

[@dittoinsurance]

It will be common for each policy holder

[@AmitSharma-kd7rj]

Please could you make a video on Aditya Birla Activ One.... how is the product and the claim experience

[@dittoinsurance]

This video is in our pipeline! Stay tuned for the whole video :)

[@sugatamukherjee4000]

@@dittoinsurance ditto you are not helping me I want to ask you that how is the service of Bajaj Allianz why they are premium is so expensive

[@AmitSharma-kd7rj]

@@sugatamukherjee4000 why do not you schedule a call with them.... I guess you would receive some good advice

[@AyushNiranjan]

​@@dittoinsuranceplease release this videos fast

[@dittoinsurance]

@@sugatamukherjee4000We have picked this topic up and will soon release the video. Please stay tuned

[@ASub1982]

Medi_$ure does 🚫 not cover non medical/Customisable items 😢😢😢

[@amardeeptyagi2772]

Can we port a super topup policy...

[@avtarkaint]

no

[@dittoinsurance]

Unfortunately, that’s not possible

[@avtarkaint]

how super topup work if i have ayush maan bharat card, it will work or not?

[@dittoinsurance]

You can use any means to cross the deductible amount. You can use retail insurance, corporate insurance or such govt. policies as well.

[@ASub1982]

Deductible" every year 1 time hi dena hota hai -

[@PrateekChadha247]

Hdfc ergo optima secure if we add just 25k deductible premium reduces significantly. Why that’s not recommended? Do we need base policy if we take optima secure with just 25k deductible.

[@ryandsoiza]

Don't opt for Voluntary Deductible. Why ? Let's say your Yearly Premium is 30k within voluntary deductible and health cover of 10 Lakhs. If any claim occurs, the entire amount will be paid by the HDFC ERGO. Now, the chances of a person getting Claim of 8 lakhs, or 10 lakhs are low, but chances of getting Claims of 1 lakh, 2 lakh are more. So by selecting a voluntary deductible of 25k, when claim amount is 1 lakh. You are paying out of your pocket 25k apart from the premium amount you have paid which indirectly puts lesser liability on the Health insurance company. The purpose of insurance is to pay entire premium and put liability on the health insurance company. Also the 2x is nothing but a marketing tactic that is used to sound smart, but you are customers are paying for 2x cover itself from day 1 No idea why they are deleting my other comments

[@PrateekChadha247]

@@ryandsoiza Thank you so much for detailed explanation. Another Question : with deductible do we get same features from Optima Secure ? Bonus/refill and 2x on day 1 ? My View Point : Optima Secure with deductible makes so much more sense for people with good corporate policy. We will still work for 10-15 years. Within these 10-15 years we can save on good amount of premiums. At later stage after 10 years we won’t mind paying 25k from our pocket. Plus we are also secured with good policy even after job. Meanwhile for 1-2 lakh claims we will have corporate policy till 10-15 years.

[@ryandsoiza]

@@PrateekChadha247 Part-1 Yes. With Deductible, you will get the same amount of Benefits. When you talk about 2x cover, you need to understand that it's a marketing tactic. Here, if you are purchasing new health insurance for the 1st time, day 1 means 31st day (Because initial 30 days are waiting period) For Example, 10L base plan, 2x from day 1 (31st Day) the cover will be 20L. Now When you compare health insurance policy of ICICI vs Care vs HDFC for 10L, others will give you premium rates for 10L but HDFC will give premium rate of 20L which will be higher. So you need HDFC 5L cover that will be 2x, and then you will see all 3 company premium somewhat matching. The 2x is not a benefit, the statement used is marketed to make you think that you receive 2x from day 1 but you are paying premium since start on 2x value itself.

[@ryandsoiza]

​@@PrateekChadha247 Part-1 Yes. With Deductible, you will get the same amount of Benefits. When you talk about 2x cover, you need to understand that it's a marketing tactic. Here, if you are purchasing new health insurance for the 1st time, day 1 means 31st day (Because initial 30 days are waiting period) For Example, 10L base plan, 2x from day 1 (31st Day) the cover will be 20L. Now When you compare health insurance policy of ICICI vs Care vs HDFC for 10L, others will give you premium rates for 10L but HDFC will give premium rate of 20L which will be higher. So you need HDFC 5L cover that will be 2x, and then you will see all 3 company premium somewhat matching. The 2x is not a benefit, the statement used is marketed to make you think that you receive 2x from day 1 but you are paying premium since start on 2x value itself.

[@ryandsoiza]

​@@PrateekChadha247 Part-2 When we talk about deductible, what you have asked us correct. Why not pay for deductible now and later as well, as we have corporate policy ? The answer here is that, if you have private job, the corporate plan will get discontinued. If you switch your job, the corporate plan will discontinue. You may receive better career opportunities in other company, you may switch and then, the next company corporate grp plan will be eligible for you. This situation is uncertain. But what we know now as guarantee, is that you will eventually age, and by 55 years old, you will be paying Premium for 2X benefits, the Premium might be approx 50k yearly (Might be more in 10/15 years) as health insurance premium rates are increased by company as per age and also as per their own terms. At that time, you will be paying premium amt (even after having Deductible benefits), and possibility of claim will be higher at 55 than now (of your current age for example is 35) so Cost @ Age 55 = Yearly Premium + 25k from your pocket + other non payable charges that are not covered by Health insurance companies. What I am asking you is ???? Why take 25k liability on yourself at the time of claim for example 5% premium reduction ?