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Health insurance advise

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03 Dec, 2021 by  vamsi krishna

Hello experts,

We are a family of 3 (2 adults+1 kid) where both me (41 yr old) and my wife (35 yr old) are working and are covered with health insurance from our respective employers for the family.

My employer covers with 5 lacs for the whole family

My wife employer covers with 4 lacs for whole family

Looking to take a policy apart from our corporate policy and request your advise for the same.

As of now, we are safe and healthy but i have a family background of health issues where my father operated with cardiac issues, has hypertension and blood sugar.

I would like to avail the super top-up plan advantage over base plan.

is it necessary that i should take a personal base plan and a super top-up or only super top-up?

kindly suggest should i proceed to take a family floater or should consider individual policies only?

What is the cover i should opt for?

which insurer and the policies which i can go for?



Health Insurance

2 Answer

03 Dec, 2021
Self Employed - Digital Consultant

Hi Vamsi,

You can take a super top up over your employer provided base health cover. In your case, go for a super top up of SI 20 - 25 lacs with a deductible of about 7.5 lacs.

I have recommended a deductible of 7.5 L keeping in mind a certain buffer for deductions, while settling claims, in your employer policies.

Check out policies from stand alone health insurers. They all have good super top up options.

Hope this helps. Best,

Asad Akbar

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03 Dec, 2021

Hi Vamsi,

Hope you are doing well! Recently we have started a new service here at Beshak called Beshak Community Connect (BCC). With this service, we connect customers like you with our curated and experienced financial advisors from our community who help them with all their insurance requirements - which policy to buy, how much cover, what to do with your existing policies, handholding at the time of purchase and claims, etc.

I believe one of our financial advisors would be able to help you in a much better way to make a decision with respect to your health insurance.

If you wish to connect, request you to kindly fill up this form at your earliest convenience and one of our community executives will get in touch with you -


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