Top Up Vs Super Top Up : All Information with premium saving tips

Top Up Vs Super Top Up Insurance Policy : All Information with premium saving tips
This video is about the Top up insurance policy and super top up insurance policy or we have also covered top up vs super top up policy. You will the difference between top up and super top up policy with example. Important aspect of top up and super top up policy. Things to take care while buying top up and super top up policy. You will also come to know which is better top up or super top up policy. Buying tips for top up policy and buying tips for super top up policy, how to select best super top up policy. All key aspect of top up an super top up polcy are covered in this video . There are few critical facts either people don’t know or ignore it. Someone takes insurance policy and think it is sufficient and may people even don’t take mediclaim insurance policy. This video will help both, who is having mediclaim insurance policy and who haven’t .
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#supertopupinsurancepolicy,#topupinsurance, #Healthinsurance
Top Up Vs Super Top Up Insurance Policy

[@alexabraham9035]

Fantastic. Thank you 🙏.

[@dancesknowledgeSSS]

july august me aapka corona rakshak & kavch ka video dekhkar , clear diffrence samzme aaya. aur maine online rakshak & kavach nikala kam premium me. aur aaj uska upyog ho raha hai gharme 6 log kovid positive hue, to kharcha kavch se nikal gaya. aur rakshak policy se ek ek ke 2.5lakh mil rahe hai. abhi tak 2 ke mile. baki process me hai very very thanks. aaj bhi acche acche ko corona rakshak ke 2.5 lakh vale plan ki jankari nahi hai.

[@InsuranceTechnical]

Many thanks for sharing your positive feedback, usually people Share their negative experience only

[@nitishroy6053]

Superb. Thank you for the clear information.

[@yatindrajain2657]

Bhut sundar

[@shifalibisht7994]

Dear Sir, Thank you so much.Your video was very very helpful for me. The way you explained was excellent.

[@InsuranceTechnical]

Thanks

[@ashokkumartp1310]

Excellent narration without creating any confusion. Please do share such videos sir Thanks for sharing a useful video🙏

[@InsuranceTechnical]

Many thanks for your kind appreciation

[@sunilpanwar7366]

Super brother maza aa gaya❤❤❤❤❤❤

[@nareshbhatia2494]

Well explained. Thanks❤

[@Mr85rahul]

Bauth bhadiya sir

[@komalnagar6305]

The best and unique information

[@basantdash7064]

Well Explained.

[@Gosai_]

Thanks

[@sandeepyadav764]

Thank you sir

[@sanjeevverma7675]

very best explanation ever

[@shivramrani]

Behad shaandaar

[@premsagar5792]

Nice bro aaj concept clear huwa

[@kantibhairohit3805]

Nice baate

[@shubhamm23]

very helpful explanation sir

[@somayseth2342]

Hello sir awesome information

[@ajitraut5029]

Thank you for this valuable information. Last part of video not understand how top super top up policy should we have to take and reduce premium. And which company policy is better. Thanks, Waiting for reply

[@bhaviknambiar]

Thanks for making this video, good explanation.

[@InsuranceTechnical]

Thanks

[@nileshshewale1102]

explained in simple way

[@rpenterprises6151]

Good sir

[@nestracapital5588]

NICE BRO

[@nandanjoshi4432]

Sahi hair sir

[@shubhamsinghchauhan9972]

Sir HDFC TERM INSURANCE CLICK TO PROTECT ke bare me ek video banaiye.... Plz

[@laksheswarbora8781]

Your explanations are really superb

[@InsuranceTechnical]

Thanks

[@amitgirigoswami9136]

Excellent explanation and useful information 👌

[@InsuranceTechnical]

Thanks

[@rajatsir]

Please create a video explaining Star Health super surplus plan

[@rajendragiri2100]

Great Guidance...

[@InsuranceTechnical]

Thanks

[@pabitramandal3991]

Mujhe v super top up ka policy base policy k 7 lena ha? Kaun sa kaha se lu... Pls inform details. Aru aap kun si policy liye wo v bataye..

[@pranavjagtap4339]

Super information. But can we buy 2 Super Top Up from same company? please clarify sir.

[@jigneshashar2460]

Sir want to know is there any difference deductible limit & threshold limit.

[@karuneshkvaiswar612]

Please make playlist

[@supriyoroy8749]

Thank you Sir for yr valuable video.can u provide me the details of SBI Arogya plus policy & please suggest what r the main points I should look into the policy.

[@InsuranceTechnical]

I have uploaded the video of yhe policy please watch.

[@harisharora9848]

Sir u have base policy from Star Health sum assured 5LAKH & super surplus policy from Star Health under sum assured 25 lakh. Plz reply it's correct combination

[@shrikrushnamahant5112]

सर आप ओरिएंटल इंश्योरेंस कंपनी का मेडिक्लेम के साथ जो रिस्टोरेशन और प रिस्टोरेशन का तफावत (डिफरेन्स) समझाइए

[@hotelcomfort3115]

Sir insurance konsi company ka lena chahiye? meri car ka 1 sal pura hone wala he. Maruti baleno. Maruti ka lena chahiye ya tata aig ya Aur koi?

[@mytreayeejoshi5000]

Sir please preexisting disease per video बनायीएका Specialy on united India insurance ltd. How to calculate renewal premium of mediclaim policy by taking discount.

[@soumyadip5139]

I have my company group health insurance policy where me, spouse and both parents are added where the basic cover is 2lac each and also a family florar coverage of 12 lacs over and above the base limit.. so can I buy a super top up plan seperately? And if yes, will it cover all the four members and what will be the applicable deductable amount here?

[@PintuKumar-ug6em]

Jab plan Reassured ho tab multiple hospitalization me topup plan kam karega kya?

[@paathchakra699]

Sir u purchase wich health insurance

[@keshavangorur6269]

What if there is refill facility in the base plan

[@dharmikshah2790]

Sir, thanks for the video. 4 membered family - Father (65), Mother (62), Son (32), Daughter (35). Please suggest health insurance policy which is good, and super top up. Thanks !

[@diptidalvi1964]

Sir ye 50 lakh ka combination kase kare keise le poli 4 lakh ki base policy me 50 lakh kaise le vo vedio banavo plz plz

[@soumyamukherjee6963]

My insurance from National insurance, for my family 1lakh each individual. Can I got super topup in floating type.

[@chetankannangar7423]

Good video... however my trainer from SBI told me that there is vast difference in the premium of SUPER TOP and TOP UP. i this true?

[@prafullakamble4698]

Meri corporate group policy me 30lakh ka sum insured he aur top up sum insured 24 lakh ka.mujhe surgery ka 23lakh ka kharcha anewala he.mujhe claim mil sakta he?

[@himanshuchaudhary4493]

Dono cessless h kya

[@drravi1949]

Is it necessary to claim Top up we should have base insurance. Dr r c gupta

[@niloutpalroychowdhuri3]

Please guide me sbi arough plus policy and super top plan in sbi my age is 64 years.

[@MegaSovan]

Sir, If I have base plan in Universal SOMPO and super top up plan from TATA AIG is their any difficulty when I claim my insurance from both plan in same year...

[@InsuranceTechnical]

No

[@MrJainvinay]

Best super top up police kis company ki hai. Please suggest

[@infoyatinanand]

We have 8 year old National Mediclaim Health Insurance policy. We are not happy with our agent since he does not guide us that well and we find that he does not know about much of market trends as well. How to find out good Insurance agent to buy new Super Top up Policy of National Insurance.

[@parasharpabari2867]

Very interesting video, I also considered the same logic for bigger cover in lesser premium, but here confusion arise when I discussed this matter with policy bazar advisor, and after consulting senior advisor he guy was of the opinion that you can't buy second super top-up plan over one super top-up plan because as per rule at the time of claim, deductible must have to be paid either with base policy or with insured's pocket, no claim will be entertained if deductible paid with any super top-up plan. I discussed the matter quite deeply, but policy bazar guys are for that opinion and conclusion. So plz if you can clarify the point with due research

[@InsuranceTechnical]

Its a misguided information that " claim can not be paid if deductible paid under the other policy, ask him where it has been written. If it is the fact no super top policy will pay the claim.

[@Sahurestaurant]

Sir Meri Umra 39 hai mere ko Health Insurance lena hai kaun si company ka new aap bataiye lekin bacche Hain kaun se company ka number jisse mil ko Jyada

[@VirenderKumar-dz5im]

I have taken 15L and 90L super top up from max Bupa , deductible @ 10L is this ok family floater 4 members

[@subhas8338]

Best Mediclaim company konsi yogi Star Health or General Insurance company???

[@paathchakra699]

& which life insurance ???

[@DEEPAKSINGH-ce8qn]

Sir Kya aap bata sakte hai aapne kon si company se policy li hai...

[@InsuranceTechnical]

Next video on same.

[@cinemamylove5712]

Kaunsi company se lena chahiye supertopup policy?....best company kaunsi hai?

[@meetshankarwala7752]

When is ur next video coming for cheapest premium with proper super top up combination as u mentioned about in video where u purchased the policy with same

[@InsuranceTechnical]

Tomorrow

[@pravinpatil7560]

Thanks for your info. I was not aware of such top-up policy. Currently I have company's group Mediclaim policy which cover my Parents for upto 2.5L( it covers corona expenses) , I want to go for super Top-up policy which also covers Corona hospitalization ? So in case in future , hospital bill is 10L for my parents due to Corona, I will claim 2.5L in company policy ( as Base policy) and 7.5 L from Super Top-up policy. Can I do it? and Please let me which are super Top-up policies are available covering Corona expenses. Thanks in advance.

[@rashichavan8195]

Corona can be covered after 30 days. In less premium you will get 25lacs top up. Please contact on 9833528623 Rashi Chavan

[@drsunilmishra]

Most Supertopup policies are not cashless. If there is a need for a claim of 20L during hospitalisation, entire amount above the deductible needs to be funded out of pocket. This very thing defeats the entire purpose of Supertopup policy. Can you suggest few supertopup policies which have started cashless facility ?

[@monoranjanroy628]

Whether I can take 2 health insurance policy i.e base policy one is Group insurance limit Rs four lakh & another taken from corporate agent i.e Bank of India limit Rs five lakh. Is it beneficial. I am 61 yrs. Please please reply as I have to renew within 10th Oct,2020.

[@InsuranceTechnical]

Yes you can take Two policies. But best rahega 2nd policy super top up policy lein.

[@prabhatkumarsingh3836]

How to do any top up policy with LIC TECH TERM 854 so atleast paid amount should return at maturity age,

[@jyotikini3712]

Lic tech term plan is life insurance plan and return of premium policy jeevan amar

[@SoulCreeper_Gaming]

Any benefits by breaking coverage and take two Super top pop policies? Should it be from same company or different?

[@InsuranceTechnical]

Same company, premium saving

[@ajitraut5029]

Sir, Agar base plan corporate hai AUR super top up hamne khud se karwaya hai to super top claim Karte samay unko kaise para chalega ki hamara base plan pahle claim me use hua hai

[@InsuranceTechnical]

Aapke paas settlements ki details hogi.

[@ajitraut5029]

@@InsuranceTechnical ok. Each claim settlement we have to update with super top up policy company right?

[@bhawnamonga5018]

Best super top-up policy with company name

[@santoshdesai1072]

Sir, Diductable ka matlab kya hota hai pls explain us.

[@saurabhvocals6513]

Example.. Agar aap 3 lack deductible limit ka top up plan lete hn to us condition m suppose apka hospital bill 5 lack aya to apko 3 lack apne paas se dena padega ya base mediclaim policy se.. Top up se 3lack ke upar ka bill hi payble hoga.. i. e. 5lack - 3 lack = 2 lack ka bill top up plan se milega..

[@GaneshSatputeAtPlus]

This is question on health insurance. If I'm buying health insurance from Kuvera there are few options. 1. Base Policy (3L) + Super Topup (50L) = Total Cover (53L). Premium would be 5386 + 3910 = 9296 2. Base Policy (20L) + Super topup (30L) = Total Cover (50L). Premium would be 13516 + 1652 = 15168. Now the difference is staggering even though total cover is almost same. I'm sure there is some downside with option 1. But I couldn't find what exactly it is.

[@InsuranceTechnical]

Your daily room rent, nursing charges etc Usually derived from the sum insured of your base policy. Typically it is 1% of sum insured and for ICU 2% of sum Insured

[@GaneshSatputeAtPlus]

@@InsuranceTechnical Thanks for the reply. In Kuvera, they are saying there is no rent capping on rooms, if that is the case, will there be any other difference?

[@InsuranceTechnical]

No

[@arshnarula3772]

@@GaneshSatputeAtPlus but there are disadvantages like no claim bonus will be applicable only on base , and when you port the policy or change the plan , it will be according to base sum insured not total sum insured

[@suniljamadar1566]

Sir, you are awesome, each and every point u explain clearly and can we knw from which company u took policy and the details

[@InsuranceTechnical]

Sure, wait for next video.

[@hemantnikalje]

@@InsuranceTechnical When will your next video come on best Super Top policy come ? Also in Super top policy of ICICI Lombard I saw 3 riders : (1) Critical illness (2) Daily cash + Convalescence benefits (3) Personal Accident Cover + Temporary Total Disablement Rehabilitation + Repatriation of Remains . So should we add these add one or no. Kindly suggest that too ? Which is the best policy for Critical illness which covers maximum number of Critical illness in it ? Kindly suggest that too

[@InsuranceTechnical]

Got occupied wit other priorities, it will take at least 10 days

[@hemantnikalje]

@@InsuranceTechnical ok thanks for informing ..

[@suniljamadar1566]

@@InsuranceTechnical no problem sir we will wait until u upload, thank you

[@mehtapinak2127]

Sir corona kavach me civil hospital me admit kiya to kya hospital cash milta he??

[@InsuranceTechnical]

Yes

[@mehtapinak2127]

@@InsuranceTechnical thank you very much sir

[@avtarkaint]

which is best super top up company

[@neelamkashyap2135]

Sir I have two child of age 14 & 12 years, myself 45 years & my wife is 44 years. Please suggest for good health insurance plan and company name because I belong from middle class family.

[@InsuranceTechnical]

You may take base policy of sbi arogya plus and takr super top up policy with deductible of 3 Lacs

[@bgeorge6th]

Which Super Top Up policy is available with 10 or 15 Lakhs deductible? Thanks.

[@InsuranceTechnical]

Check on any web portal like policy bazar, I will work on it and upload video for the same .

[@krishgoel9767]

If we buy three policies of super top up policy. So then what we do?

[@InsuranceTechnical]

Can you plz. Expain the policy arrangements and questions

[@chandandutta3319]

Best super top up company

[@rohitkumarbhagvatibhahaipa3919]

Deductible value ko defind kare please

[@InsuranceTechnical]

Ye amount aapmo decide karna hota hai, ye wi amount hota hai jise insurance company pay nahi karti.

[@smbehindyou]

There is a genuine issue - in super top up, the aggregate deductible will be considered. If the base insurance policy and super top up policy is from two different companies and the base is already exhausted, then how the insurance company providing super top up will come to know about it ? - they can very well ask me to consume the deductible amount first, which I might have consumed already as part of my previous claim - How to prove it ?

[@sarjerao6984]

सर आपके पास कोणसा सुपर टॉप ऑफ प्लॅन है.

[@gkarora54]

Sir mere pass 5 Lac ki health insurance hai Oriental Insurance Company jo PNB bank se taiup hai (Premium 10230 yearly) Age 54 wife 49 daughter 20 (3 family members) konsi si company aur Kis Tarah ka super top up le pl help waiting sir

[@InsuranceTechnical]

Aap kisi bhi company se le sakte hai like liberty, hdfc, icici, tata..

[@debsmart4u]

Dear sir I have floater health insurance 3 Lakh 2+1 HDFC AGRO. I WANT TO purchase super top Please suggest me.

[@Vishu1412]

What is your policy premium

[@sumitsil7904]

Can anyone suggest me some free materials to crack IC01, IC11 and IC27 exam???

[@gouravthakur4684]

Hello sir nice video. Kaafi easily smjhaaya hai... Sir please drop your email or insta id Thodi help chaheya apki

[@KNVolgs2023]

Mera ek observation hai ki aap kabhi comments pe reply nahi karte

[@InsuranceTechnical]

Regret, Ye aapka ek baar ka observation ho sakta hai. Aaj 13 days ke baad video uplod keya hai. Busy hone ki wajah se idhar reply bhi nahi kar paya tha.

[@KNVolgs2023]

@@InsuranceTechnical Maine aapka channel subscribe kiya hai, and sare video dekhta hu, maine ek query pucha tha wo answer nahi hua tha isliye likha tha

[@KNVolgs2023]

@@InsuranceTechnical Aagr corona rakshak policy lene ke bad 16th day pe covid test kiya and 17th day pe report positive aaya to claim kar sakte kya

[@InsuranceTechnical]

Yes , kar sakte hain. Thanks

[@atulghadia8963]

Sir mere parents ki Bajaj mediclaim 3Lacs sum cover ki hai continuously fro 2010 onward till abhi cover badha ne ke liye super top up up to 25/30Lacs kaise aur konsi company ka lena chahiye (Age 65 Hai)my no 9224278578 please give me suggestions 🙏😊👍

[@khatanapankaj412]

सुप्रीम कोर्ट के आदेशानुसार अब से इन्श्योरेन्स क्लेम तभी पास होगा जब दुर्घटना के दौरान मलिक के पास वैध PUC है। अगर पोल्यूशन सर्टिफ़िकेट नहीं है तो इन्श्योरेन्स क्लेम भी अमान्य होगा। कृपया इस बारे में सभी को सूचित करें . Ye msg true hai sir..

[@InsuranceTechnical]

Fake msg hai, iski video bana raha hun

[@captainh1989]

faru explanation..pura for diya

[@rahulahuja5538]

Thank you sir