If I buy top-up health insurance plan, then what will be my total policy cover?

I am 31 and my wife is 28. We have just become parents. We have a family floater health insurance plan of Rs 10 lakh. If I take a Rs 15 lakh super top-up with Rs 10 lakh deductible, will I get a cover of Rs 25 lakh or just Rs 15 lakh?

Yashish Dahiya Co-founder & Group CEO, Policybazaar.com, responds: The deductible is the amount the policyholder needs to bear at the time of the claim. In top-up and super top-up plans, the deductible is considered as the threshold beyond which the top-up/super top-up plan is activated. If a top-up plan has a deductible of Rs 10 lakh, its coverage will come into action after the hospital bill crosses Rs 10 lakh. In the given scenario, if you take Rs 15 lakh super-top up with Rs 10 lakh deductible, your super top-up will be active once the deductible limit is crossed - Rs 10 lakh.

I want to buy medical insurance for my parents who are 60 and 67. Both are diabetic. Please suggest a plan suitable for them.


Yashish Dahiya, Co-founder & Group CEO, Policybazaar.com, replies: There are two types of plans that anybody with diabetes can take: 1) Comprehensive health insurance plans. These come with no restrictions. These plans typically have 1-4 years waiting period. These plans are recommended for diabetics on tablets. Diabetics on insulin can opt for diabetes-specific plans. 2) Diabetes specific plans. These are specialised plans which offer early coverage and are available for diabetics on tablets and insulin. A lot of these plans also have restrictions such as room rent limits or co-pay. These are typically more expensive than comprehensive health plans.