Can somebody explain the difference between top up & super top up policies?
Which are the best options among them currently?
Please check this article which covers the question in details - https://www.beshak.org/insurance/health-insurance/articles/how-to-choose-between-a-topup-and-super-topup-health-plan
For options, you'll need to study and compare the plans from different insurers and then decide. It is generally advisable to take the super top-up from the same company as the base plan for easier claim processing.
For a detailed understanding, please read the Beshak article suggested by Avinash on this thread above.
At the summary level, understand the following -
Super top-ups - Aggregate of all claims/expenses in a policy year is considered to meet the deductible threshold & activate the liability of Insurer.
Top-ups - The threshold of deductible should be met for every instance of hospitalization in order to activate the Insurer liability.
Super top-ups are better than top-ups any day.
Thanks. Any suggestion of policies covering major points like no room rent, no hidden clauses. It is just not possible for me to read all the policy wordings of different policies. So help me in shortlisting a few good ones.