Strategically Dividing Sum Insured: Basic vs. Top-Up Health Insurance

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Maximize Health Cover: How to Split Base & Super Top-Up for Rs 1 Crore Protection

Keep a reasonable base policy for regular hospitalisations and use a super top-up for large medical emergencies

M

Moneycontrol•05-03-2026, 15:25

Maximize Health Cover: How to Split Base & Super Top-Up for Rs 1 Crore Protection

•Choosing health insurance involves balancing base and super top-up plans for optimal coverage and premium.
•Super top-up plans activate only after the base health insurance cover is exhausted, acting as a deductible.
•A Rs 10 lakh base policy combined with a Rs 90 lakh super top-up is often recommended for balanced affordability and comprehensive protection.
•Different splits like 5L+95L, 20L+80L, or 30L+70L offer varying pros and cons regarding premium, base coverage, and deductible risk.
•Integrated combo plans like ActivOne or Care Supreme simplify claims and coordination compared to separate policies.

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