Aajkal jab bhi koi health insurance lene jaata hai, to agent ya insurance company ek aur cheez suggest karti hai – “Sir, top-up policy bhi le lijiye, bahut sasti padti hai.”
Lekin sawaal ye hai ki top-up health insurance sach me customer ke kaam ki cheez hai ya sirf ek marketing gimmick? Is article me hum insurance company ke nahi, customer ke fayde aur nuksaan ki baat karenge.
Top-Up Health Insurance Kya Hota Hai?
Top-up health insurance ek additional cover hota hai jo tab kaam aata hai jab aapki basic health insurance policy ka limit khatam ho jaata hai.
Ye policy akeli kaam nahi karti, balki hamesha ek existing health policy ke saath hi useful hoti hai.
Simple Example:
- Basic health policy: ₹5 lakh
- Total hospital bill: ₹8 lakh
- Top-up policy: ₹10 lakh (₹5 lakh deductible ke baad)
Is case me:
- Pehle ₹5 lakh basic policy degi
- Bache hue ₹3 lakh top-up policy cover karegi
Deductible Kya Hota Hai? (Sabse Important Point)
Deductible wo amount hoti hai jo pehle aapko khud ya apni basic policy se cover karni hoti hai.
Agar aapki top-up policy ka deductible ₹5 lakh hai, to:
- ₹4 lakh ke bill par – ❌ top-up ka koi fayda nahi
- ₹6 lakh ke bill par – ✔ top-up kaam karega
Yahin par maximum log galti karte hain, kyunki agent ye baat clearly nahi batata.
Top-Up Policy Kab Use Kar Sakte Hain?
Top-up policy har hospital visit ke liye nahi hoti.
Ye tab useful hoti hai jab:
- Badi surgery ho
- ICU aur lamba hospital stay ho
- Cancer, heart surgery, transplant jaise cases ho
- Ek hi baar ka bill deductible se zyada ho
Ye tab bekaar ho jaati hai jab:
- Chhoti-chhoti hospitalizations hoti rahen
- Har bill deductible ke neeche rahe
- OPD, tests ya routine treatments ho
Top-Up Aur Super Top-Up Me Difference
Insurance companies aksar in dono ko confuse karke bechti hain.
Top-Up Policy:
- Sirf ek single bill dekhti hai
- Multiple bills ko jodkar nahi maanti
Super Top-Up Policy:
- Saal bhar ke saare bills jodti hai
- Deductible cross hote hi cover deti hai
Customer ke liye super top-up zyada safe aur practical hoti hai.
Kya Top-Up Insurance Sirf Ek Gimmick Hai?
Iska jawab seedha haan ya na me nahi diya ja sakta.
Insurance Company Ka Fayda:
- Premium kam dikhaya jaata hai
- High cover attractive lagta hai
- Deductible ki baat chhupa di jaati hai
Customer Ka Nuksaan:
- Claim ke waqt policy kaam nahi karti
- False expectations se frustration hota hai
Customer Ke Liye Imaandaar Salah
Top-Up tab lijiye jab:
- Aapke paas pehle se ek strong base policy ho
- Aap bade medical risk se bachna chahte ho
- Aap deductible ko poori tarah samajhte ho
Top-Up tab mat lijiye jab:
- Aapki base policy hi weak ho
- Aap regular chhote treatments karwate ho
- Sirf sasta premium dekhkar decision le rahe ho
Pehle Ye Karein, Phir Top-Up Sochiye
- Pehle ek achhi base health insurance policy lijiye
- Uske baad super top-up consider kijiye
- Sirf premium nahi, coverage samajhiye
Ek Kadwa Sach
Top-up health insurance gareeb ya middle-class ke liye koi jaadu nahi hai. Ye sirf ek tool hai – sahi jagah use ho to fayda, galat jagah ho to nuksaan.
Final Verdict
✔ Top-up useful hai, agar samajh ke li jaaye
❌ Top-up nuksaan de sakta hai, agar andh-vishwas me li jaaye
Insurance ka matlab protection hai, confusion nahi.