I have been on the lookout for a super top-up health insurance plan. I wanted to get it early this year, when covid was at its peak. However, upon some research I realized that super top-up plan needs to align with the base health insurance plan - most probably on the same date or at least on the same month.
Surprisingly, both policybazar & coverfox do not have much details about these plans. I did a comparison among some of the super top-up plans that i came across while doing a google search. Here is the detailed comparison.
Company
Reliance GIC
Aditya birla
Star Health
Tata AIG
Niva Bupa
ICICI lombard
Plan Name
Health super topup
super health plus topup
super surplus
super topup
health recharge
health booster
Deductible
4L
5L
3L
5L
4L
5L
Sum Insured (SI)
46L
50L
50L
50L
45L
50L
claim settlement ratio
100%
97%
93%
96%
96%
Network Hospitals
8000+
5000+
10000+
7200+
8000+
TPA/Direct
Direct
Direct
Room rent limit
Single A/C private room
Single A/C private room
Single A/C private room
Single A/C private room
Single A/C private room
Single A/C private room
NCB
10% increase per year upto 50%
No
2.5L extra per year
50% increase per year upto 100%
5% increase per year
Co-Pay
0
0
0
0
0
0
Pre hospitalization days
90
30
60
60
60
60
Post hospitalization days
180
60
90
90
90
90
Home hospitalization
upto SI
50K
No
upto SI
upto SI
Ambulance
3500 per hospitalization. Air ambulance upto 5L
5000 per hospitalization. no limit in network hospitals
3000/year. 10% of SI for air ambulance
3000 per hospitalization
1500 per hospitalization
5000 per hospitalizatiino
Free health checkup
once in 3 years upto 5K
once in 2 years
Ayush
upto SI
upto SI
No
upto SI
upto SI
upto SI
Organ donor
upto SI
upto SI
upto SI
upto SI. Donor screening & transport also covered
upto SI
upto SI
Other features
In case of critical illness, free premium for next year. Deductible = 0 after 4 years of no claim
Deductible becomes 0 after 5 years of no claim
SI can be reset once in the year.
All modern medicines fully covered.
SI can be reset once in a year.
Premium for family (2A+2C)
11256/-
7869/-
12768/-
12665/-
5761/-
11396/-
One observation is that the premium range is unusual - starting from 5761/- to 12768/-. I even got a quote for 22k+ from bajaj allianz which I ignored. There are 3 policies that stand out from this list.
Surprisingly, both policybazar & coverfox do not have much details about these plans. I did a comparison among some of the super top-up plans that i came across while doing a google search. Here is the detailed comparison.
Health super topup
super health plus topup
super surplus
super topup
health recharge
health booster
Deductible
4L
5L
3L
5L
4L
5L
Sum Insured (SI)
46L
50L
50L
50L
45L
50L
claim settlement ratio
100%
97%
93%
96%
96%
Network Hospitals
8000+
5000+
10000+
7200+
8000+
TPA/Direct
Direct
Direct
Room rent limit
Single A/C private room
Single A/C private room
Single A/C private room
Single A/C private room
Single A/C private room
Single A/C private room
NCB
10% increase per year upto 50%
No
2.5L extra per year
50% increase per year upto 100%
5% increase per year
Co-Pay
0
0
0
0
0
0
Pre hospitalization days
90
30
60
60
60
60
Post hospitalization days
180
60
90
90
90
90
Home hospitalization
upto SI
50K
No
upto SI
upto SI
Ambulance
3500 per hospitalization. Air ambulance upto 5L
5000 per hospitalization. no limit in network hospitals
3000/year. 10% of SI for air ambulance
3000 per hospitalization
1500 per hospitalization
5000 per hospitalizatiino
Free health checkup
once in 3 years upto 5K
once in 2 years
Ayush
upto SI
upto SI
No
upto SI
upto SI
upto SI
Organ donor
upto SI
upto SI
upto SI
upto SI. Donor screening & transport also covered
upto SI
upto SI
Other features
In case of critical illness, free premium for next year. Deductible = 0 after 4 years of no claim
Deductible becomes 0 after 5 years of no claim
SI can be reset once in the year.
All modern medicines fully covered.
SI can be reset once in a year.
Premium for family (2A+2C)
11256/-
7869/-
12768/-
12665/-
5761/-
11396/-
One observation is that the premium range is unusual - starting from 5761/- to 12768/-. I even got a quote for 22k+ from bajaj allianz which I ignored. There are 3 policies that stand out from this list.
- Reliance : Looks like an all-rounder with moderate premium, good claim settlement ratio and good benefits among all others.
- Tata AIG : The only policy that offers donor screening & organ transport expenses along with covering all modern medicines like robotic surgery. I think modern medicine coverage is very important as the world will become much more technically advanced in the next 10 years.
- Aditya birla : 2nd lowest premium with the most of the benefits covered - except for home hospitalization.