I’ve noticed that Ditto, a popular insurance advisory platform does not offer Super Top-Up health insurance plans, something I was looking at for better cost-to-benefit coverage.
Given that Super Top-Ups are more affordable and practical for increasing health cover (especially for those with corporate base policies), I find it odd that Ditto doesn’t sell them.
Am I missing something here? Is the product not worth the money? Would love to hear what the community thinks about the product.
Yes, the base plans have become very expensive and premiums are rising like 10% per year.
So here are the options:
Take a base plan of x amount and top it up with 5x-10x with the super topup plan.
Take a base plan of 5x amount
Let go of the base plan, keep only the super topup with a minimal deductible of let’s say 5 lakh. Risk limits to 5 lakh, which has to be paid from own pocket.
I am currently on (2) but evaluating a shift to (1) or (3). But what I am finding is the total premium for (1) is exceeding the premium for (2).
If there are any insurance experts, they can please throw some light on how to make this choice and optimize for premiums.
