Quote Originally Posted by Veerendra View Post
Pls. also let me know the exact difference between a topup and a supertopup policy. Will supertopup policy also pay for first time hospitalization in a particular year if the deductible limit is crossed or is it that supertopup policy pays only for 2nd hospitalization.
The difference between Super Top-up and Top-up plans is on the coverage.
1- Super Top-up covers most of the illness then the Top-up Plans.
2- Top-up covers hospitalisations due to only one illness, but Super Top-up covers multiple hospitalisation for different ailments within the policy tenure.

For United India Insurance, the policies are available in top-up and super top-up varieties. In the former, the company covers hospitalisations due to only one illness. In the latter, the company covers multiple hospitalisation for different ailments within the policy tenure. Star Health just has one policy, which is similar to United India's top-up.

Source - PW One & Two

For your info There are different health insurance plans:
1- Critical Illness
2- Top Up and Super Top Up Health Insurance Plans
3- Special Plans like Bajaj Allianz Surgical Protection Plan and Preventive Healthcare Plans
4- Dibeties Cover and Cancer Plans (Some trust offer not by insurance cos)
5- Individual Health Insurance Plans
6- Family Floater Health Insurance Plans

Each plan is designed to cover a particular scenario, do your research and buy that plan which suits you.