My parents (67 and 59) have no health issues. Getting a decent coverage for them with no limit/cap is quite a costly affair. I am planning to get super top-up covers for them. I will pay ₹2 to 3 lakh from my pocket as they are in good health now. Apart from the deductible going from my pocket, are there any disadvantages to this approach? Will I be denied any benefits in super top up?
- Parthibaraj
Since you have rightly understood the aim of Super Top-Up plans, you may go ahead with the plan. Just like any other insurance policy, every super top-up policy has its own coverage, waiting period and exclusions. You may read the brochure and policy document carefully to clearly understand the policy terms. For more, read: A Top-Up for Your Medical Needs.
This article was originally published on January 27, 2016.
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