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Date : May 8, 2009

Question

Do you think it makes sense to have critical illness policy and united india's super top up policy both? for a family of three how will be premium for 5 lakh each for both policy seperatey.

Answer

critical illness policy and top up policy serves different purposes. A super top up policy is a reimbursement policy where the insurance companies will pay you over and above the deductible as mentioned in your policy. Suppose the deductible in your policy is Rs. 1 lakh. In case your medical bills are over and above Rs. 1 lakh, then the super top up policy will reimburse or pay the hospital the extra amount. The deductible here is Rs. 1 lakh which will be paid either by you or by the insurance company in case you have a normal mediclaim policy of Rs. 1 lakh.

A critical illness policy covers you in case the insured suffers any of the illnesses covered by the policy. The sum assured is paid to the insured in lumpsum to the policy holder unlike top up policy where the expenses incurred is paid to the hospital.

 

 

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