A few months ago, he met with an accident and had to be

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Canada Goose Parka Buying a basic health cover and supplementing it with a top plan is the prudent way to canada goose outlet in vancouver combat rising health care costs and avoid out of pocket expenses. Canada Goose Parka

Instead of enhancing the sum insured of your basic policy, a more cost effective canada goose outlet factory option is buying a super top up policy, experts tell Priyadarshini Maji.

canada goose clearance Shiv Kumar, 31, a Noida based techie, had a medical insurance cover worth Rs 200,000 from canada goose outlet online reviews his employer. A few months ago, he met with an accident and had to be hospitalised. canada goose clearance

canada goose deals The treatment cost him around Rs 200,000. Despite having canada goose outlet a corporate mediclaim cover, Kumar had to pay Rs 100,000 from his own pocket. canada goose deals

Due to high medical inflation, corporate medical insurance often does not cover the entire expense in case of a major disease or accident.

Hence, employees should buy additional cover on their own, apart from the one provided by their employer.

canada goose black friday sale Depending on your requirement, you may opt for either a basic health plan, a top up plan canada goose parka uk or a super top up plan. canada goose black friday sale

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The typical corporate mediclaim cover comes with a number of limitations.

“The extent of coverage can vary from year to year in a corporate mediclaim cover,” says Shreeraj canada goose outlet nyc Deshpande, head health insurance, buy canada goose uk Future Generali India Insurance.

buy http://www.canadagoosejacketoutlett.com canada goose jacket cheap “Some of these policies also impose conditions such as co payments and canada goose outlet trillium parka black other restrictions, especially in the years when their employee benefit costs rise,” canada goose outlet edmonton says Deshpande. buy canada goose jacket cheap

Canada Goose Jackets “Top ups and super top ups too canada goose jacket outlet uk serve the purpose of supplementing or complementing an employer’s group health policy very well,” Canada Goose Jackets

Financial planners suggest that you should have your own basic health insurance policy and not rely completely on the employer’s canada goose outlet toronto address policy.

Canada Goose Outlet If you lose your job or decide to turn into an entrepreneur in your forties, you will be better off if you have your personal mediclaim policy. Canada Goose Outlet

Canada Goose sale Getting one at an advanced stage can prove difficult. Canada Goose sale

Once you have a basic policy and want to enhance coverage, then instead of increasing the sum insured of your basic policy you can opt for a top up or super top up cover.

A top up canada goose outlet black friday sale cover becomes effective after you have exhausted the sum insured on your basic mediclaim policy.

canada goose coats on sale You need to choose a deductible for your top up policy the amount that you will have to pay out of your own pocket, or which your basic policy will pay for. canada goose coats on sale

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Super top up plans offer a better deal than top up plans.

A top up plan gets activated only when a single claim amount canada goose outlet phone number exceeds the deductible amount.

canada goose coats Suppose that you have a top up cover with a deductible of Rs 200,000. canada goose coats

You fall ill twice during the year, and canada goose outlet store toronto each time your hospitalisation bill comes to Rs 150,000.

In such a scenario, canada goose outlet ottawa your top up plan will not get activated.

buy canada goose jacket If the hospital were to present you with canada goose factory outlet a single bill of Rs 225,000, then your top up plan would get activated and you would be reimbursed for Rs 25,000. buy canada goose jacket

You can take care of this gap in a top up policy by opting for a super top up plan.

Canada Goose online With this plan, even if you were to get two separate bills of Rs 150,000 (so that the total during a year comes to Rs 300,000), the super top up policy would canada goose outlet kokemuksia reimburse you for Rs 100,000. Canada Goose online

canada goose store A top up plan has limited cover for pre and post hospitalisation expenses. canada goose store

But super top up plans provide coverage of pre and post hospitalisation expenses, day care procedures, and pre existing diseases after a waiting period of three years, just like basic insurance plans.

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