Health Insurance

Factors to Consider while Buying a Standard and Super Top-Up Health Insurance

Medical insurance coverage is necessary for an individual since it gives real financial help during a medical emergency. With the rising healthcare expenditure in India, purchasing an insurance policy is almost unavoidable. However, with so many alternatives available, it can be challenging to pick an insurance coverage that is ideal for you.

Here is a quick breakdown of the factors to consider while selecting the best health insurance plan for yourself and your family.

What is Standard Health Insurance?

This type of plan includes the basic mandatory coverages stated by the Insurance Regulatory and Development Authority of India (IRDAI) and will be the same across all insurance firms. It will be a stand-alone policy that cannot be paired with other defined benefit-based insurance coverages like critical illness. For more detailed information on available plans and additional coverage options, individuals can visit or consult with insurance providers directly.

Factors to Consider Before Buying a Standard Insurance


Coverage Before and After Hospitalisation

When selecting a health insurance plan in India, it is essential to consider coverage beyond just hospitalization. Many policies also cover expenses incurred before and after hospitalization, which can help reduce the financial burden of medical treatment.

Coverage before hospitalization includes expenses such as consultations with doctors, diagnostic tests, and medications, while coverage after hospitalization includes follow-up visits, medicines, and rehabilitation expenses. Having these expenses covered by your insurance policy can save you significant amounts of money, particularly in cases where hospitalization is not required.

Therefore, it is recommended to purchase a health insurance plan that provides coverage before and after hospitalization to ensure that you have comprehensive coverage for all your medical needs.

Maternity Expense Coverage

Maternity expense coverage is a crucial aspect of any health insurance policy, especially for women who are planning to have a baby. The expenses associated with childbirth and postnatal care can be significant, and without adequate coverage, they can quickly become a financial burden. Maternity benefits usually cover expenses such as prenatal care, delivery, hospitalization, and postnatal care for both the mother and the newborn.

It is essential to review and understand the maternity benefits provided by your insurance policy before making any decisions. This ensures that you are adequately covered and can avoid any surprises when the time comes. It is recommended to choose a health plan that includes maternity coverage, even if you are not planning to have a baby in the near future, as it provides financial security and peace of mind.

Waiting Period Provision


A waiting period provision in health insurance refers to the period during which a policyholder cannot claim any benefits for certain medical conditions or treatments. This waiting period varies from one policy to another and typically ranges from 30 days to 4 years, depending on the specific condition.

The waiting period provision is a standard feature in most health insurance policies, and it helps insurers manage their risks. It also ensures that policyholders cannot purchase insurance after being diagnosed with a medical condition and immediately claim benefits.

It is essential to carefully review the waiting period provision in your health insurance policy and plan your medical treatment accordingly. In case you need immediate medical attention, you should opt for a policy that has a shorter waiting period.

Correct Combination of Premium and Coverage

Choosing the correct combination of premium and coverage is essential when purchasing health insurance. While it may be tempting to opt for the lowest premium, it is crucial to consider the coverage provided by the policy. A lower premium may result in reduced coverage or higher deductibles, which can lead to out-of-pocket expenses in case of a medical emergency.

On the other hand, it is not necessary to opt for the most expensive policy either. It is essential to evaluate your medical needs and choose a policy that provides comprehensive coverage at a reasonable cost. Doing so can ensure that you have adequate coverage without overpaying for unnecessary benefits.

Therefore, it is crucial to strike the right balance between premium and coverage when purchasing health insurance to ensure that you have financial protection in case of a medical emergency.

What is Super Top-Up Insurance?

A super top-up health insurance plan is similar to a top-up insurance plan. However, as the word “super” implies, it provides benefits beyond the scope of a top-up plan. A super top-up insurance policy reimburses you for health care expenses exceeding the coverage limit of the policy. It only covers hospitalization expenditures when the sum insured by your conventional insurance policy has been depleted, or you have paid the expenses out of pocket, up to the deductibles.

Things to Consider Before Buying Super Top-Up Health Insurance in India


Available Benefits

Examine whether the benefits provided by the insurance top-up plan are adequate for the various types of treatments that you anticipate. Of course, you want to get a top-up plan to broaden your coverage and obtain additional coverage, but there is no use in paying high premiums if the policy does not provide coverage when you need it the most.

Deductible Limits

The deductible in the insurance industry is the amount that a policyholder must pay at the time of claim before the insurer settles the entire claim amount. A deductible is included in medical insurance supplement plans. These plans kick in only when medical bills exceed the deductible. Most insurers adhere to the concept that the bigger the deductible, the cheaper the rate.

Coverage for Pre-Existing Conditions

Most insurance policies do not cover pre-existing conditions. As a result, you should choose a supplement plan that includes coverage for pre-existing conditions. This coverage comes in handy if you have a family health insurance history of specific ailments. Usually, there is a waiting period.


Numerous restrictions, such as sub-limits, are put on your insurance top-up plans, which can limit the coverage provided under the policy. Your coverage can include sub-limits on some procedures, treatments, and lodging rent. Check to see whether your insurance supplement coverage has any sub-limits. Even if a sub-limit exists, it should be a minimum.

After understanding the major points to be considered while buying the best health insurance plan, look into Niva Bupa’s comprehensive health care plans for modern features. Niva Bupa has an extensive network of hospitalization coverage from which you can easily file a claim.