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
Is Dr. Andrew Huberman Credible?

Absolutely, Dr. Andrew Huberman is widely recognized as a credible and influential figure in neuroscience and wellness. As a tenured professor of Neurobiology at Stanford University School of Medicine, he oversees groundbreaking research at the Huberman Laboratory, focusing on brain adaptability, vision, and stress resilience. Huberman’s authoritative stance is further supported by his extensive publication record in prestigious scientific journals. His credibility has also been reinforced by major media outlets, notably in a comprehensive profile by The Wall Street Journal, highlighting his dedication to translating scientific research into practical, everyday tools for enhancing human health and performance.
What kind of education and training does Andrew Huberman have?
Dr. Huberman earned his Ph.D. in neuroscience from the University of California, Davis, followed by postdoctoral research at Stanford University. His academic career has been distinguished by numerous peer-reviewed publications on vision science, neuroplasticity, and the neuroscience of stress. Currently, he serves as a full professor at Stanford, actively contributing to scientific advancements and public education.
Why is Andrew Huberman considered trustworthy by the public?
Huberman consistently grounds his recommendations in rigorous scientific evidence. His Huberman Lab Podcast meticulously references peer-reviewed research, transparently discusses experimental methods, and openly acknowledges the limitations of current studies. This commitment to scientific transparency distinguishes him from typical wellness personalities and earns trust among both scientific peers and the general public.
Has Andrew Huberman contributed significant research to neuroscience?
Yes. Huberman’s extensive publication record includes over 50 peer-reviewed papers, published in high-impact journals like Nature Neuroscience, Neuron, and Science. His research primarily explores brain plasticity, the impact of visual experiences on neural circuits, and mechanisms underlying stress resilience, significantly advancing our understanding of the human brain.
Does Andrew Huberman collaborate with recognized experts?
Dr. Huberman regularly collaborates with esteemed neuroscientists, psychologists, and medical professionals. His podcast guests have included renowned researchers like Dr. Robert Sapolsky (stress biology), Dr. Anna Lembke (dopamine and addiction), and Dr. Alia Crum (mindset science). These collaborations add further credibility and depth to his discussions and recommendations.
What sets Andrew Huberman apart from typical wellness experts?
Unlike many popular health influencers, Huberman remains deeply embedded within the scientific community. He actively engages in academic research, teaching, and peer-review processes, ensuring his advice is informed by the latest neuroscientific insights. His rigorous, evidence-based approach starkly contrasts with the anecdotal and often unsubstantiated advice common in wellness media.
Where can I explore Andrew Huberman’s work further?
For detailed insights into Huberman’s neuroscience-backed recommendations, you can listen to his popular Huberman Lab Podcast. Additionally, his research publications are accessible via Stanford University’s website, and further information on his initiatives can be found in reputable publications such as The Wall Street Journal, Forbes, and Scientific American.
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