Which is more beneficial health insurance with small base plan & remaining top-up plan or complete base health insurance plan?
- Thread starter mkate
- Start date
thefiscalalchemist
KF Rookie
Having a health insurance with small base plan with a super top up is definitely a cheaper option than a complete base plan (For details about the price differential, check with your insurance company or an insurance advisor). However, there are a few things to keep in mind:
1. No claim bonus - Generally, the super top up plans do not provide no claim bonus as compared to base plan
2. Ancillary benefits - Super-top ups may not provide free health check-up like most of the base plan does. With a small base plan, the amount offered for health checkup may not be sufficient.
3. Terms and Conditions - Differences in terms and conditions between the base plan and super top-up plans, especially when sourced from different insurers, can sometimes pose challenges during claim.
In summary, it's crucial to carefully understand the terms of both plans and be adept at managing the complexities of multiple insurance policies to avoid the additional cost of a complete base plan.
1. No claim bonus - Generally, the super top up plans do not provide no claim bonus as compared to base plan
2. Ancillary benefits - Super-top ups may not provide free health check-up like most of the base plan does. With a small base plan, the amount offered for health checkup may not be sufficient.
3. Terms and Conditions - Differences in terms and conditions between the base plan and super top-up plans, especially when sourced from different insurers, can sometimes pose challenges during claim.
In summary, it's crucial to carefully understand the terms of both plans and be adept at managing the complexities of multiple insurance policies to avoid the additional cost of a complete base plan.
