Health
Know Your Plans: Top Up Health Insurance V/S Normal Health Insurance

Inflation in the health industry has drastically increased the cost of treatment. Hefty medical bills are unbearable for the common public and also leads to delay in treatment, resulting in the loss of innocent lives. In such a scenario, health insurance becomes our saviour. It provides mental satisfaction and financial security in times of need for our families and us. Moreover, there are many cost-effective options to make your health insurance affordable, one of them is buying a super top up health insurance policy.
Health insurance super top up plans are cost-effective as well as insurer friendly, which is a win-win situation for both the policyholder and the insurance provider. The features and benefits of super top-up health insurance plans vary significantly from normal health insurance policies, so having a well-rounded understanding can prove to be extremely beneficial.
Several health insurance plans are curated by insurance providers keeping in mind the different needs of policyholders. There is no right or wrong health insurance plan as it depends from person to person. Your healthcare requirements and financial stability will decide if a health insurance policy suits you or not. But to reap maximum benefits and save on money as much as possible, super top up health insurance plans are advisable.
Defining The Difference
Health insurance provides you with comprehensive coverage along with add-on benefits that can be claimed upon hospitalization, subject to policy terms and conditions. In addition, the sum insured or total coverage amount is payable by the insurer, so you are stress-free and away from all the hassles related to the expenses incurred. However, buying a comprehensive insurance might involve a significant cost.
In contrast, a super top up health insurance plan is a powerful tool to boost up your base health insurance coverage at an affordable cost. It acts as a top-up on your base plan and is used when the sum assured of your basic plan is exhausted. Therefore, to make your health insurance affordable while having significant benefits intact, you can consider buying top-up health insurance along with basic health insurance plan.
Features of Super Top up Health Insurance
When you buy a regular health insurance plan, you just need to pay a set premium and can make claims for the sum insured whenever needed. But a super top up health insurance works in a significantly different way, so let’s take a look at its important features:
- Deductible- In super top up health insurance plans, a deductible is that section of the claim amount that is to be paid by the policyholder. Upon successful payment of this set amount, the policyholder enjoys the benefits under the top up plan. The deductible needs to be paid only once, and the policy allows coverage for the overall expenses if it exceeds the deductible amount
- The limit on your deductible should not be more than the sum insured in the base plan. So, if suppose your base plan has a coverage amount of Rs. 2 Lakhs, your deductible limit for the super top up health insurance ideally should not exceed Rs. 2 Lakhs. This way, you can use your base plan and super top up health insurance if payment for the expenses incurred is more than Rs. 2 Lakhs.
The Verdict
When it comes to choosing between comprehensive health insurance v/s health insurance super top up plans, it cannot be laid out what works for you as it totally depends on your healthcare needs. But, if you are looking for an affordable option, you can consider buying super top up health insurance along with basic health insurance as it offers the following benefits:
- Cashless Claims
- Consumables Benefits
- Pocket Friendly with increased health coverage
- Higher Sum Insured
- Lower Premiums
- Global cover
Besides, one crucial thing to remember is to only trust credible insurance providers like TATA AIG, who have been in the industry for 20 years and provide super top-up plans like MediCare Plus Insurance. Herein, you get to enjoy aggregate deductibles for a policy year along with added benefits. For more information, get in touch with them as they offer 24×7 assistance.
Health
How a Quiet Fulham Clinic Became London’s Most Coveted Wellness Secret

Byline: Gerome Alvarez
In London’s cutthroat wellness landscape, few businesses manage to capture community attention without fanfare or celebrity endorsements. Yet Spa & Massage Fulham has accomplished exactly this, weaving itself into the cultural fabric of one of London’s most discerning neighborhoods within weeks of its September 2025 opening. The phenomenon began as whispers among friends, colleagues, and neighbors—all independently discovering what would soon become known across social media platforms as “the best massage in London.”
This organic word-of-mouth growth reveals something deeper than marketing prowess; it signals a genuine transformation in how Londoners approach wellness and self-care. The clinic at 709 Fulham Road represents more than successful business expansion; it embodies a broader cultural shift toward viewing therapeutic massage as essential healthcare rather than occasional luxury.
The Science-Backed Foundation
The surging demand for massage therapy is not merely about relaxation; it is rooted in substantial scientific evidence that validates what clients experience firsthand. Research consistently demonstrates that massage therapy reduces cortisol levels by up to 31% while increasing mood-regulating neurotransmitters serotonin and dopamine by 28% and 31% respectively. These physiological changes translate into tangible benefits: improved sleep quality, enhanced focus, reduced chronic pain, and strengthened immune function.
“Massage therapy works in multiple ways to help reduce stress. First and foremost, it helps to lower levels of cortisol, the primary stress hormone,” explains recent research on therapeutic massage. For London’s high-pressure lifestyle, this represents more than indulgence; it is preventive healthcare. The integration of scientific expertise sets Spa & Massage apart from typical wellness businesses, with Professor Eyal Lederman, a world-renowned expert in neurophysiology and manual therapy, serving as the company’s medical director.
The Visionary Origins
The story begins in 2007 when entrepreneurs Alykhan and Nicole Thobani, inspired by journeys through Thailand, recognized a fundamental gap in London’s wellness market. Rather than treating massage as an expensive luxury, the couple witnessed how Eastern cultures integrated therapeutic touch as essential to balanced living, as fundamental as diet and exercise. This revelation sparked the mission to bring accessible, high-quality massage therapy to London’s high streets.
“What sets us apart from other massage therapy providers is having Professor Eyal Lederman as part of our team,” Thobani explains. Professor Lederman’s research at King’s College London on the neurophysiology of manual therapy provides the scientific foundation that distinguishes Spa & Massage from competitors. Nearly two decades later, the company now serves over 2,500 clients weekly across seven London locations, with each expansion building upon lessons learned from previous successes.
The Fulham Experience Defined
The newest location deliberately avoids ostentatious luxury, instead creating what insiders describe as “understated sophistication”—an environment that whispers quality rather than shouting opulence. Central to the experience is the signature bespoke tea blend, crafted in-house to begin each client’s journey toward relaxation. This attention to detail extends throughout the treatment, where therapists like Roxanne—with backgrounds in clinical physiotherapy and experience from London’s most prestigious five-star spas—deliver what clients describe as transformative sessions.
The clinic’s approach attracts therapists of exceptional caliber, including professionals like Olga, who draws “many celebrity clients and high-profile athletes” for her transformative skills. Operating seven days a week from 9:00 AM to 10:00 PM, the clinic makes professional massage therapy accessible to busy Londoners seeking consistent, science-backed wellness solutions. The discrete nature of the clientele, protected by sunglasses and an air of privacy, has only added to the brand’s mystique and appeal.
Building an Extraordinary Following
Since its inception, Spa & Massage Fulham has cultivated what can only be described as a devoted following that transcends typical service provider relationships. “Our team is obsessed with making sure that each client has an expert massage, with a positive health and wellbeing outcome,” Thobani notes. This focus on measurable results rather than superficial relaxation has attracted clients who view regular massage not as an occasional indulgence but as essential maintenance for peak performance.
Client testimonials consistently emphasize transformational outcomes that extend far beyond the treatment room. “I have been coming for my regular massage every week for years now, I just sleep better, I am happier, calmer, and perform at my very best. With massage therapy I live my best life. It is like I feel superhuman during the week,” shares one long-term client. This level of commitment reflects a fundamental shift in how affluent Londoners prioritize health and wellbeing, with weekly bookings becoming the norm rather than the exception among regular clients.
The Future of London Wellness
Perhaps most intriguingly, Spa & Massage has attracted backing from heavyweight private equity professionals and investment banking leaders, not as corporate investments, but as personal commitments from individuals who became clients first. These investors, who Thobani diplomatically describes as preferring discretion, represent a fascinating convergence of professional success and personal wellness priorities. This phenomenon reflects broader trends in the wellness investment landscape, where private equity firms increasingly recognize the substantial returns in premium wellness services.
As Spa & Massage Fulham establishes itself in one of London’s most competitive wellness markets, it represents the evolution of urban healthcare toward proactive, science-backed solutions. The clinic’s success suggests that Londoners are ready to embrace massage therapy as an essential component of modern urban living, challenging traditional notions of luxury and self-care. In this context, the quiet revolution unfolding at 709 Fulham Road points toward a future where wellness is not an afterthought but a cornerstone of how successful professionals maintain an edge in an increasingly demanding world.
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