Just port to a plain Vanilla policy.

All these are just marketing hype which you will be paying more for anyway, and is designed to confuse the customer.

Hi Harivansh,

This means you can have the deductible clause removed from your top up policy after a certain time period. Some policies link it to time served in the policy, some link it to age, etc. I believe this facility was introduced into top-up to appeal to a vast working population who get employer provided health insurance during their working years. Such people can just live off top ups and convert them into base policies when they want.

Waiting periods will apply on the newly gained Sum Insured (deductible that's removed).

Asad Akbar