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Essential features of a super top-up health insurance policy you must know

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Features of the top-up policy: Cover for COVID-19 treatment: A super top-up policy covers the insured for hospitalisation required due to COVID-19.

It also covers for other critical illnesses. Only one-time payment of deductible: Under a super top-up policy, the insured is required to pay the deductible only once and can make a claim several times during the policy term.

For example, suppose an insured undergoes hospitalisation due to a specific illness, and the treatment expenses go up to Rs12 lakh.

Here, the individual has a base health insurance plan of Rs7 lakh and a super top-up plan of Rs10 lakh. Under this case, the initial Rs7 lakh would be covered by the base health insurance plan, and the super top-up plan would cover the

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