Who's best advisor for super top up plans? Please advise.

Hi,

Firstly ensure, whenever you buy a Super Top Up Policy, your start / end dates (Date & Month) of both, your existing Base policy and proposed STU policy are more or less identical.

Secondly, please note, most insurers have now stopped issuing Fresh Health Policies below 5 Lakhs Sum Insured.

I would strongly suggest you increase your existing Base Plan to at least 10 lakhs, so that you can avail a Super Top Up Policy with 10 lakhs deductible instead of a 3 - 5 lakh deductible. This should be first priority.

Alternatively, as a last resort, you can buy a STU policy with 3 - 5 lakhs deductible with Sum Insured of 10 lakhs + another STU policy with 10 lakhs deductible and 1 cr sum insured. (Both STU Policies to be bought together - matching your base policy start/end dates).

Buying a 1 crore STU with 3 - 5 lakh deducible is not advisable, you should opt for a 10 lakh deductible plan so that your premiums are reasonable.

Please feel free to contact me on +91                                     , in case you need more clarity.

Thanks & Regards,

Milind Pandit

Hi there options are plenty and the right super top up depends on what your existing plan looks like.

I am happy to help you evaluate options further based on the existing health plan that you carry... Feel free to book a complimentary call.

Hi,

I would agree with Pankaj, get your evaluation done first before finalizing a plan. "Best Plan" is a dream- for you it could be something for someone else it would be something else.

Beshak Community has many advisors to help you with a solution you may schedule a call with any of them.

Thanks

Rohit Dhingra