back arrow Back

how to calculate super top up deductible

reply Share
24 Feb, 2021 by  Prakhar

I am planning to buy a super top up plan and I ha 10 Lacs family floaters base plan(plus 3 lacs employees group cover). What should I set deductible amount in a super top up plan? To be more general, what should I consider while doing this?

like like
Health Insurance

1 Answer

Regional Director, Amicus Insurance Broking

You have two options. One is a super top up with a deductible of Rs.10 lakhs and the other is a super top up with a deductible of Rs.3 lakhs.

In the first option, if you have a claim exceeding, Rs.10 lakhs, you have to use the the family floater and the employee group insurance also. The price of super top up will be cheaper due to higher deductible.

In the second option, the super top up will sit over your employee group coverage. The family floater won’t be touched and its cumulative bonus and other benefits will be protected. But the super top up will be more expensive owing to its lower deductible.

Depending on how you want to employ your policies, you can take your pick.

like like
icon-comment 0 Comments
icon-reply Reply

Tired of dealing with call centers!

Get a professional advisor for life!


Rs. 1799


Discover the best tips for insurance every week!

Beshak is not regulated by the Insurance Regulatory and Development Authority of India (IRDAI) and does not have any alliance or association with any Insurance business.
© Copyright 2022 Beshak Solutions Pvt. Ltd. All Rights Reserved.

Disclaimer: The content on the website is purely for information purposes for the public at large, and does not constitute personal financial advice for a specific individual reader.
If you are reading this, it means you love reading the fine print. Why not get paid for what you love doing - Join us by writing to now 🙂