How Super top-up policy is more beneficial than general health insurance policy?

Whenever anyone hospitalization exceeds your base policy sum insured then claim is payable under health insurance policy. It is rare incident that single hospitalisation can arise where the total hospitalisation bill will cross Rs. 3 lakh or deductible selected by you. Whereas under Super health insurance Policy aggregate of all claims made by your family members once crosses the base policy sum insured then your super top policy will start making the claim payment.

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