What is the difference between Mediclaim and Super top-Up policy?

A Mediclaim policy pays the claim from Rs. 1/- till maximum Sum Insured under your base policy. Whereas Super top-up policy covers hospitalization expenses beyond the chosen Deductible limit. The deductible limit is chosen by you. In other words it is a Mediclaim policy which triggers after a certain pre-decided limit of expense has crossed.
Further mediclaim and super health insurance policy can work along with one another. That is, if you have a mediclaim you can also purchase a super health insurance policy to get an enhanced cover. Even if you do not have a mediclaim policy you can opt for the Super health insurance Policy.


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