Experts,
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.