Buying a Super Top up Plan with Room Category Limit
Hello everyone!
I was going through Max Bupa Reassure plan. Overall, it appears to be one of the better plans in its category — Coverage for modern treatments, unlimited reset benefit (even for same illness + claim could exceed the SI), In house claim processing, dedicated relationship manager etc.
I was thinking of buying a base policy of 10 lacs along with a Super Top-up cover of 10-15 lacs.
However, the problem with the Super Top-up is that there is a room category limit - single private AC room. This is a big bummer and probably explains the low premium for the Super Top-up.
Feel free to share your thoughts on the same.
i don't think max bupa health recharge super top up policy does not have any room rent capping and Covered up to sum insured
please confirm
Hello Shubham,
Yes, you are right buying a policy that has a cap on room rent eligibility is not advisable - especially because no one can really predict how healthcare will pan out in the coming 2-3 decades for most of us. The chaos the insane hospital bills during the pandemic are recent proof. We would hence recommend you keep your search on - and look for a combo of plans where both do not have any kind of eligibility cap on room rent.