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.
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.
The Subtle Cues in Our Environment that Encourage Healthier Living
The choices we make each day regarding our diet, activity and lifestyle habits ultimately determine our health and wellbeing. Nonetheless, the surroundings we inhabit also actively influence those decisions, whether we realize it or not. Our built environment contains many subtle cues that either promote or impede healthy behaviors. With thoughtful awareness, we can leverage and shape these cues to nudge ourselves toward more positive choices.
Architectural Cues for Active Living
Urban design and infrastructure elements play a major role in our activity levels. Visible, accessible staircases encourage climbing over passive elevator use. Features like centrally located, attractive stairwells bathed in natural light make stairs hard to ignore. Artwork beautifies the ascent while music enlivens acoustics. Placing stairwells near prominent gathering areas also maximizes exposure and use. Conversely, hidden dreary stairwells discourage climbing. Building layouts should make stairways the default for short trips. Thoughtful design embeds activity into daily routines.
Outside, continuous sidewalks and protected bike lanes provide clear cues that active transit is safe and expected. Ample parking signals driving is preferable. Traffic calming measures like speed humps and narrowed lanes imprint mental cautions for vehicles to accommodate bikes and pedestrians. Sidewalk street furniture and plantings buffer walkers from traffic. Crosswalks, pedestrian signals, and refuge islands imprint rights of way. Complete Streets redesign allocates fair space for diverse safe use. Our infrastructure surroundings can literally pave the path for active living.
Office and Home Cues
Subtle factors within buildings also affect activity and diet. Kitchen placement, for instance, affects our choices. Research shows open concept kitchens integrated into living areas encourage more healthful cooking and family meals than closed off kitchens. Islands and open shelving provide visual snack cues that can either prompt cravings or showcase fruits, nuts, and other healthy grabs. Kitchens sited near entries or offices also maximize visibility and food prep use rather than distant basement kitchens.
At offices, centrally located shared spaces like break rooms, cafes and snack nooks encourage communal meals, informal gatherings and refueling walks to retrieve snacks. Providing showers, bike racks and lockers signals active commuting is valued. Standing and treadmill desks prompt movement during sedentary work, while choice architecture guides selections from communal food areas. Simple environmental adjustments nudge better decisions.
Nutritional Cues at Markets and Restaurants
Eateries and markets harbor cues that stimulate cravings along with willpower depletion. Certain lighting, music, and décor stimulate overindulgence. Cues that unconsciously hurry patrons undermine reasoned decisions. Scented air surrounding baked goods stalls awakens salivation and desire. Strategic menu design also sways choices. Listing unhealthy items first or at eye level suppresses willpower. Descriptive names romanticize less healthy options. Menu formatting can also highlight nutritious dishes and portion guidance. Markets use product placement for maximizing impulse grabs. Though subtle, environmental exposures across stores and eateries significantly sway our eating choices.
Cues for Hydration and Rest
Proper hydration and sleep are imperative for our wellbeing but are easily overlooked when immersed in urban settings and schedules. Environmental design can combat these gaps through strategic cues. Plentiful public water fountains provide visual refreshment reminders throughout cities, while placing restrooms near fountains links the hydration notion. Cafes position chilled water dispensers up front for thirst-quenching without calories. Homes and offices forget hydration less with decorative pitchers and glasses on tables. Lighting design is key for sleep cues. Dimming lights in workplaces and warm home lighting provide visual preparation for rest. Cool-toned blue hues stimulate and signal awakening. Our surroundings can cue us to drink and sleep wisely.
Signage and Sensory Cues
Explicit signs offer direct visual cues to healthier behaviors – such as a no smoking sign that prompts at entrances. Staircases could feature plaques tallying burned calories. Cafeterias may display encouragements to take smaller portions or try vegetable sides. Signs foster mindfulness and restraint at choice points. Sensory cues also guide behaviors. Smells eliciting happiness or calm can de-stress environments. Soothing natural sounds and music relax tense settings. Harsh lighting and noise stimulate frenetic energy and impulsiveness. Pleasant sensory experiences invite more mindful, deliberate choices. Uplifting cues infuse healthy messaging into spaces.
Art and Nature Cues for Wellbeing
Artwork carrying uplifting themes or depicting healthy activities, fruits and vegetables, serene nature and joyful gatherings infuses visual positivity into surroundings. Murals and wall graphics remind us what truly matters for wellbeing. Images are digestible in passing, sinking into the subconscious. Vibrant, thriving plants and greenery provide natural visual relief and comfort that lower stress. Decor mimicking natural materials brings warmer textures. Spatial flow mimicking nature’s curves calms minds. Natural light and windows boost mentality and sleep cycle regulation. Thoughtful touches of art and nature foster mental balance, positivity, and healthy choices.
Our everyday surroundings contain many subtle influences on our diet, activity, sleep, and lifestyle, either promoting or hindering health. But heightened awareness of these cues allows us to consciously reshape environments for encouraging wiser choices. Simple changes to architecture, office layouts, signage, lighting, art, and nature contact encourage movement, nutrition, and wellbeing. Our minds absorb ambient cues, so design wisely. When supportive healthy cues surround us, positive habits become a little easier, more inviting, and purposeful. Think about cues you could shift for better living. Small nudges in public spaces and our homes can guide us all toward healthier, more thoughtful lives.
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