Health

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

Published

5 years ago

August 19, 2021

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

BioLongevity Labs: How Two Biohackers Are Making Longevity Safe for the Mainstream

Published

5 days ago

February 18, 2026

Michelle Langton

Humans have been looking for ways to extend their lifespan for hundreds of years. Medicine has made impressive strides, but for many, the effects of aging are still painfully real.

Through BioLongevity Labs, biohackers and entrepreneurs Jay Campbell and Josh Felber aim to introduce ordinary people to potentially life-changing compounds called peptides. Campbell and Felber come from very different backgrounds.

Campbell is a five-time international bestselling author and globally recognized leader in the health-optimization space. Felber is a serial entrepreneur who excels at scaling businesses.

For both men, BioLongevity Labs is more than just a business venture — it’s about helping everyday people discover something that just might prolong and improve their lives.

“Your body inevitably changes as the years pile on,” says Campbell. “Your energy drops, and wrinkles start showing up uninvited. Peptides can change everything.”

Many people have probably heard the term “peptide” in passing. Some may know they’re associated with longevity. Most people just don’t have a strong grasp of how they work.

A peptide is a short chain of amino acids, which are the building blocks of proteins. Essentially, peptides are like shorter, simpler proteins. That might sound unremarkable, but the real magic of peptides lies in how they work.

They function as signaling or “messenger” molecules telling the body to perform specific functions. Many peptides function similarly to hormones. A relevant example is GLP-1 (glucagon-like peptide-1) receptor agonists. This class of medications includes semaglutide and tirzepatide, two wildly popular weight-loss drugs.

“These peptides aren’t just another biohacking fad,” Campbell explains. “They enhance insulin secretion and suppress glucagon release to balance blood sugar levels and promote sustainable weight loss”. But what sets GLP-1 receptor agonists apart is their ability to regulate hunger.

Through the reduction of appetite and increased feelings of fullness, it is far easier for dieters to stick to a calorie deficit.” Although GLP-1 receptor agonists are widely prescribed, most peptides aren’t.

Campbell asserts, because many peptides have the potential to cure illnesses by treating the fundamental root cause, they go against America’s “sick care” model of healthcare. They potentially threaten drug companies and their bottom line.

“Peptides are simultaneously a dream come true for mankind and the worst possible nightmare for the pharmaceutical industry,” says Campbell. “It’s not a conspiracy theory. It’s pure economics and psychology in action. People will do whatever it takes to make as much money as possible in a free-market society, even if it means suppressing a superior solution.”

Patients probably aren’t going to be introduced to peptides through the healthcare system. Many discover them on their own. But for the many people who don’t have a solid understanding of how they work molecularly or even what dose to take, there is a risk. That’s precisely what BioLongevity Labs’ co-founders are attempting to address.

Jay Campbell has dedicated his life to educating people about therapeutic peptides and optimized hormones, and along with his partner Josh Felber, they’ve created a company offering filler-free, third-party tested peptides and bioregulators.

Campbell and Felber stress the fact that BioLongevity Labs isn’t meant to be a replacement for traditional medical care. Instead, its products bridge the gap between clinical and extra-clinical care. There’s no magic pill or single solution to solve the problem of aging.

But thanks to the development of specialized peptides, bioregulators, and small molecules, we’re closer than we’ve ever been before.