Health insurance riders

Hello Vardhani,

Hope you are doing well! To answer your question on Super Top-Ups, it is always recommended that you buy the Super Top-Up from the same insurance company and in the same month you purchased your base plan. It will make your claim settlement process quite seamless. We have written a detailed article on this explaining everything that can go wrong with Super Top-Ups. Sharing the link to that article with you for your ready reference - https://www.beshak.org/insurance/health-insurance/articles/6-Important-tips-to-buy-the-best-Super-Top-up-Health-Insurance

To answer the second part of your question, a separate policy for Critical Illness, Cancer Care, Accidental Death, and Disability is always recommended one should have over their other insurance policies.

1. Critical Illness Policy - We always suggest everyone buy a separate Critical Illness policy over your Health Insurance policy. It gives a lumpsum amount immediately to cater to those expenses which may not be covered by your Health Insurance. We have a detailed ebook on this. Attaching the link over here for your better understanding - https://www.beshak.org/health-insurance/e-book/best-strategies-to-buy-critical-illness-insurance-policy/
2. Accidental Death and Disability Policy - Accidents are unforeseen, it can happen on-road as well as at home. Again, this policy is a must-have. Sharing another article with you to know more about this - https://www.beshak.org/insurance/personal-accident/articles/personal-accident-insurance-part-1
3. Cancer Care - We suggest if cancer runs in your family history or anyone is a heavy smoker, you should consider buying a separate Cancer Care policy. Cancer is covered by the Critical Illness and Health Insurance policies as well, however, it may not be as comprehensive as a separate Cancer Care policy. Considering the booming cost of Cancer Treatments, it is always wise to buy a separate Cancer Care policy if one falls under the criteria defined above.

Hope this helps! Let me know if you have any follow-up questions.

Thanks!