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Difference between regular top-up and super top-up health insurance plans
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Basic/regular top-up planWhen you buy a basic top-up plan, the deductible is applied on single hospitalization or per claim basis in a year, that is, the plan will cover a single claim above the deductible limit.
In other words, it means that the deductible is applied to each health insurance claim separately. This way, if any of your first, second, third or any subsequent hospitalization bill does not exceed the deductible limit within a year, the top-up plan will not become active, and hence, it won’t help you settle your claim.Super top-up planA super top-up plan covers the total of all hospitalization bills once the deductible is paid.
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