How to pay less and get cheapest Health Insurance 2023-2024

How to pay less and get cheapest Health Insurance 2023-2024

If you want less premium and more cover in health insurance then you have come to the right article.

In today’s pandemic time, you must have understood that something happens in the cover of 5 lakhs because the medical expenses which are increasing but if you go to take the insurance of more cover then its premium will be very high or your If you are out of budget, then you will get more cover, how in this I will tell you such a trick so that you can get more cover in less premium.

And the way is topup and super topup, this is an extension of your health insurance policy, you will get more cover, at less premium than now 10 lac with deductible off 5 lac ₹ means if your medical expenses go above 5 lac only then topup or super topup will be active suppose

if you ever got hospitalized and the expenditure is 6 lac then 5 lac will go from your health insurance cover and 1 Lakh will go from your topup or super topup, then to meet that deductible or you will have to pay that amount from your base policy or by yourself and the topup or super topup fills the expenditure on that.

Difference between topup and super topic

Topup is calculated after every hospitalization that means it will be activated and will pay when the expenses in a single hospitalization cross the deductible limit. For example, you have a health policy whose cover is Rs.5 lakh as your topup. 10 lakhs and deductible kept at Rs 5 lakhs means when 5 lakhs crosses then topup will be filled.

 If you want less premium and more cover in health insurance then you have come to the right article. In today's pandemic time, you must have understood that something happens in the cover of 5 lakhs because the medical expenses which are increasing but if you go to take the insurance of more cover then its premium will be very high or your If you are out of budget, then you will get more cover, how in this I will tell you such a trick so that you can get more cover in less premium. And the way is topup and super topup, this is an extension of your health insurance policy, you will get more cover, at less premium than now 10 lac with deductible off 5 lac ₹ means if your medical expenses go above 5 lac only then topup or super topup will be active suppose if you ever got hospitalized and the expenditure is 6 lac then 5 lac will go from your health insurance cover and 1 Lakh will go from your topup or super topup, then to meet that deductible or you will have to pay that amount from your base policy or by yourself and the topup or super topup fills the expenditure on that. Difference between topup and super topic Topup is calculated after every hospitalization that means it will be activated and will pay when the expenses in a single hospitalization cross the deductible limit. For example, you have a health policy whose cover is Rs.5 lakh as your topup. 10 lakhs and deductible kept at Rs 5 lakhs means when 5 lakhs crosses then topup will be filled. First Image Here (---------------------) The deductible in super topup is calculated by adding all the expenses in a policy year. Suppose base plan is 5 lakhs. Super topup is 10 lakhs and deductible is 5 lakhs. Deductible in super topup is calculated annually i.e. hospitalization expenses in super topup. The deductible limit should be crossed in the same year itself. Second Image Here (---------------------) So it would be better if you take your super topup and base plan in the same month or on the same day and also tell the reason for this. Third Image Here (---------------------) You can get cheap health insurance from bank The premiums of the policy that the bank gives are very less, so it attracts more customers and there is very little paper work. Because the bank already has a good bond with the customers and their premium is also very low, so the customers get lured by them, which policy you take from the bank is of group benefit and in this if your bank's with the company. If the type is over, then your policy will not be there, IRDA has issued some regulations for this but still there is no clear guideline for this. There is very little chance that you will get a claim by taking a policy from the bank, if you have taken a policy from your bank and you already have a disease and have not told it to your bank, then there are very few chances of you getting the claim and claim. There are very few chances of getting a claim even after applying for the claim settlement, it also takes a lot of time, so you should take an insurance policy from the direct company itself.

The deductible in super topup is calculated by adding all the expenses in a policy year. Suppose base plan is 5 lakhs. Super topup is 10 lakhs and deductible is 5 lakhs. Deductible in super topup is calculated annually i.e. hospitalization expenses in super topup. The deductible limit should be crossed in the same year itself.

So it would be better if you take your super topup and base plan in the same month or on the same day and also tell the reason for this.

You can get cheap health insurance from bank

The premiums of the policy that the bank gives are very less, so it attracts more customers and there is very little paper work.

Because the bank already has a good bond with the customers and their premium is also very low, so the customers get lured by them, which policy you take from the bank is of group benefit and in this if your bank’s with the company.

If the type is over, then your policy will not be there, IRDA has issued some regulations for this but still there is no clear guideline for this.

There is very little chance that you will get a claim by taking a policy from the bank, if you have taken a policy from your bank and you already have a disease and have not told it to your bank, then there are very few chances of you getting the claim and claim.

There are very few chances of getting a claim even after applying for the claim settlement, it also takes a lot of time, so you should take an insurance policy from the direct company itself.

 

 

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