Top-up and super-top-up plans differ in activation

Health insurance options can be confusing, especially when it comes to top-up and super-top-up plans. Both provide extra coverage beyond a base policy, but they differ in how they activate. A top-up plan covers costs after a deductible is met for each hospital visit. In contrast, a super-top-up plan activates when total claims in a year exceed the deductible. Understanding deductibles is crucial. It’s the amount policyholders pay before insurance kicks in. Higher deductibles mean lower premiums. Choosing between these options depends on individual financial situations and coverage needs.