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which is better ? A base plan + super top up or a single policy with full cover

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04 May, 2022 by  Ratna Sai Kosuru

Which to choose? A combination of super top up of 25 lakhs with 5 lakh deductible and a base plan with 5 lakh cover ? or a single policy with 25 lakhs cover ? why is the first combination priced cheaper ?


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Health Insurance

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05 May, 2022
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you have not mentioned your age still 5 lakh base policy and then top policy will be enough.

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05 May, 2022
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It depends on your age and how much you want to spent. Still combination of base plan and super-topup will be cheaper but both policy need to be taken on same day is advisable

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13 May, 2022
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Dear Ratna Sai,

It depends on age now there are some health insurance which are cheaper then Base + Super top-up


If it's possible I suggest only base policy less paperwork in case of claims.


If interested get in touch happy to help you out.


Thanks & regards

Vikram Aralikatty CFP

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14 May, 2022
Chartered Accountant, Personal Finance Advisor

Dear Rathna Sai,


When it comes to question of buying a health insurance policy, having a single comprehensive policy with adequate cover would be highly recommended as you have just one policy, whereas in case of base policy with super top up one will have 2 separate policies each of these policies have different features and may have sub limits as well. One of the reasons the combination of base policy with super top up is priced cheaper is that there may not be a claim paid out of the super top up policy when a person is relatively young. Moreover the insurers can approach the irdai to make few changes in the policy in future and may raise premium or even discontinue the super top up policy.

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