New Best Sad Shayari

New Best Sad Shayari
New Best Sad Shayari
New Best Sad Shayari
New Best Sad Shayari
New Best Sad Shayari
New Best Sad Shayari

New Best Sad Shayari

The changing lifestyle and rising medical expenses have increased the need for a health insurance policy. Today, as much as bread, cloth and house are important for people, equally important is a health insurance policy, because nothing is known about diseases, when they come suddenly. And a middle class person does not have enough salary, which can afford hospital expenses and get good treatment for himself or his family. Everyone wants to take a health insurance policy, but some questions related to it confuse us. Now let’s talk about top-up and super top-up health policies only. Many people do not understand the difference between these two. Also, there are many questions in our mind about what are the benefits of both and when they are needed.

Top-up policy is a high deductible policy. It covers the amount above the deductible. Meaning, it covers up to the sum-insured policy taken by you above the deductible. Let us understand this with an example. Your company gives you a medical cover of Rs 2 lakh under a group health policy, but this is not enough for you, as the hospital and medicines cost are very high. In such a situation, to increase your medical cover, you take a top-up health policy of Rs 5 lakh from outside. Thus with a base policy of Rs 2 lakh, your total sum insured becomes Rs 7 lakh. Now suppose you get a claim of Rs 5 lakh, then you can take advantage of only a top-up health policy of Rs 3 lakh. Out of this, there is a deductible of Rs 2 lakh, which your company will pay.