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Any Super Top Up policy with personal accident cover?

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04 Jul, 2022 by  insure

I'm very inclined to purchase Star Health's STU 1CR 3lakhs Deductible but it doesn't have any personal accident cover. wish they had. Will only buy via Beshak Team.

Should I go for separate PA policy?

AGAIN, will only purchase via Beshak.

Regards to you all @Beshak.

Accident Insurance

2 Answer

05 Jul, 2022
MBA | 5 years experience
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Hi, in a super top up plan accident will be covered provided one is hospitalized. Incase you are looking for a lumsum benefit arising due to an accident buy a separate PA Cover.

It would be best you speak with any advisor on Beshak's Platform and buy the product.


Rohit Dhingra

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06 Jul, 2022
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Few insurance companies these days have come up with Super Topup plans with an option to add Personal Accident Rider. One such plan is Health Recharge from Niva Bupa. The addition of this rider ensures coverage for benefits such as accidental death, permanent total, and partial disability.

However, I agree with Mr.Rohit that having a standalone Personal Accident Insurance is always a better decision.

A comprehensive Personal Accident Offers a wide range of benefits ranging from the TTD (Temporary Total Disability) covering loss of income due to accident, OP expenses related to accidents, child education benefit, accidental in-patient hospitalization cover, coverage for Burs, Comatose benefit, coverage for broken bones, Loan Protection cover, etc in addition to the regular benefits such as accidental death, permanent total, and partial disability.

Please connect the Beshak team of experts for any assistance in this regard.

Best Wishes,

Satish Kumar H

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08 Jul, 2022
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