Critical Illness Cover,Top Up Cover And Super Topup Cover

POSTED BY vksnathan ON May 10, 2013 5:46 pm COMMENTS (3)


I already have a Mediclaim Family Floater Policy and wanted to add additional Medical cover.

I have some medical issues and found that the critical illness cover plans in the market do not cover existing illness ( Confirmed by a Medimanage Customer Service Representative Also ).Even in case of covered illness I found too many conditions ( like first heart attack will not be covered ).

Thanks to Manish, I saw an article comparing Top Up And Super Top Up Plans in the Jagoinvestor Website and thought of going for Super Top Up Cover.The Only disadvantage I see here is that Pre Existing Illness is not covered for 4 years.

Let me know your opinion on which of the below 3 options will be better for a person with Medical Issue.

1.Critical Illness Cover
2.Medical Top Up Cover
3.Medical Super Top Up Cover.

3 replies on this article “Critical Illness Cover,Top Up Cover And Super Topup Cover”

  1. Dear Vksnathan, in the same article you are referring to, dear Mahavir Chopra of medimanage said that he is of the opinion of having a large cover under existing health policy. I’m of the same opinion. Instead of dealing with 2 insurers or 2 policies, it make sense to deal with a single large cover policy. Yes the prem. ‘ll be high but the same ‘ll be compensated as & when there is a single large claim.



  2. vksnathan says:

    Ok.Thanks.Sounds like a good idea.

    One Less Policy To Handle !

  3. Why don’t you simply increase your sum insured as much as you can each year and opt for a top up cover as and when needed?

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