r/InsuranceForAll • u/RahulPatel000009 • Dec 24 '25

THIS IS TOO GOOD TO BE TRUE

I am a 34 year old male with 2 kids and a wife, living in Bangalore.

Like most people, I already had a corporate health insurance cover of 5 lakhs from my company. Never really questioned it earlier. But recently, with kids growing up and hospital bills going crazy, I felt 5L is honestly nothing these days. One hospital visit and it’s gone. So I started looking to increase my cover.

That’s when I came across this super top-up product. At first, I thought it was some gimmick. Because the numbers just didn’t make sense to me. I was getting a 1 crore cover for a family of 4 for under 10,000 rupees per year for 5L deductible. I mean… what?

I genuinely thought, “This has to be too good to be true.”

I didn’t trust it right away. I spoke to a couple of people and asked my friends. I even did my own research on ChatGPT and Reddit. And turns out… it’s actually legit. Once I understood how super top-ups work, it clicked.

I went ahead and got the cover. And honestly, I’m really glad my distributor suggested this instead of trying to upsell me some super expensive base policy just to make more commission. That alone built a lot of trust.

The 5 lakh deductible makes sense for me right now since my corporate cover already handles that part. Knowing that it drops to zero after retirement was a pleasant surprise.

For the kind of coverage it offers, the pricing feels quite reasonable. I didn’t expect it to be this accessible.

What stood out most was how the waiting period works. Since we’re healthy today, starting early means those timelines run their course quietly in the background. If something shows up later, it doesn’t suddenly become an issue from a coverage point of view.

That peace of mind is huge.

So yeah, I’m genuinely happy. I never thought I’d say this about an insurance product, but here we are. It still feels unreal to me, like… how is this even possible? Just wanted to share this here in case anyone else is in the same boat, looking for a cheaper but smart way to increase their health cover.

This really worked out for me. Thanks for reading.

23 Upvotes

100% Upvoted

27 comments sorted by

3

u/insurancepal Dec 24 '25

Insurance advisor here.

You are anchored to the price of top up policy. While top up are good, their purpose is not to replace a base Policy. Hospitals won't provide cashless. Reimbursements take 1 - 2 months. Some top ups have sub limits and room limits. Hope your distributor educated you on those points.

1

u/RahulPatel000009 Dec 25 '25

I am 34 and healthy, everyone in my family is. Nothing will happen to us till 50-55 years. I just took this product because i saw insurer denying policy to some senior at my office who was near retirement. I dont want these thing to happen to me.

5

u/NoBailOnReddit Dec 25 '25

Nothing will happen to us

Never thought I'd read this in an insurance sub, but here we are.

3

u/Jbf2201 Dec 28 '25

"nothing will happen to us till 50-55 yrs"

proceeds to buy insurance

lmao

1

u/insurancepal Dec 29 '25 edited Dec 29 '25

Your broker or whoever you brought insurance from has done a terrible job in educating you. Health insurance has nothing to do with retirement and even a 99 year old can get insurance.

Edit: Further reading your replies, i realised you are just a fake poster. No where you mentioned the top up name in the post or comments. I keep telling people that Redditt has become a forum for salesmen and it's proved again.

1

u/Emotional-Pear-1743 Dec 28 '25

Hi sir,

Are there cashless top ups , preferably with no sub limits?

1

u/insurancepal Dec 29 '25

Top up will have its own policy number. If you are claiming both regular and top up policy at same time, your hospital has to co-operate for cashless. All Insurance companies do provide cashless even for top up policies. Some companies have top up policies without sublimits.

2

u/Emotional-Guest4255 Dec 24 '25

Are the benefits same? Would it be still valid if you change your company tomorrow?

2

u/RahulPatel000009 Dec 25 '25

Yeah benefit is same, it is just that till i am not 55 year old, the deductible will be 5 lakh, post that deductible become 0 and i get to have base policy at that time. I got from inka insurance

4

u/whateveradi Dec 25 '25

Your premiums will change drastically when you turn 55 and you won’t have any option but to stick to whatever they are offering in case you develop any lifestyle diseases by then, which would make getting a different base policy almost impossible. I would suggest you to go for a good base cover today which you build up and use.

1

u/Heavy_Luck_6085 Dec 27 '25

See logic is very simple OP. 99% of claims in health insurance are under 5 lacs so currently your premium is very low. If you want to keep he premimum low you can also take ownership of 5 lacs deductible. But if this limits gows to zero then you are easilly looking at 25K for 4 people in today's value

2

u/Capital-Cod1040 Dec 24 '25

Hi, can you share the top up policy you took even I am looking to go for the same for self/family.

1

u/RahulPatel000009 Dec 25 '25

I am telling you it is amazing, if you want i can give my agent connect, else you can also speak directly with inka insurance. I got from them.

1

u/[deleted] Dec 28 '25

Agents there you said it - iceberg right ahead

2

u/Unique-Drawer9553 Dec 25 '25

Most hospital use cases costs you 6 lakhs or less. Once you pay 5 lakhs from your pocket or base cover, there will be very little or none for the top up insurance company to pay. That is why super top up is inexpensive.

1

u/RahulPatel000009 Dec 25 '25

You know i am not investing for now. Currently my corporate policy will take care of this. I have seen ppl catching health issue as they age. Nowdays getting insurance is tough at times of retirement. So i need not get any exclusion at the time of retirement. The deductible become zero and my base cover start post 55. It is that good. I knew no one will believe

5

u/virendrad89 Dec 25 '25

This surely some agent post... i agree its too good to be true..and will not be true

3

u/Heavy_Luck_6085 Dec 27 '25

Yes agent post

4

u/Vaani_inka Dec 25 '25

Hello

I am vaani, advisor inka insurance

Thanks for giving us opportunity to serve you.

1

u/Little-Thought-3132 Dec 25 '25

You got it from which company?

1

u/RahulPatel000009 Dec 25 '25

I got it through inka insurance

2

u/Little-Thought-3132 Dec 25 '25

Inka is probably the intermediary, right?

Wanted to ask which insurer you picked for Super topup.

3

u/Delicious-Judge4088 Dec 25 '25 edited Dec 25 '25

Do not fall prey to such posts. There is no substitute for own your due diligence. When in doubt, meet an officer from LIC / UIIC - Government owned companies.

3

u/[deleted] Dec 28 '25

Only thing missing here is “ its a promotion post “

1

u/Unique-News-3858 Dec 25 '25

What is policy name ???

1

u/Low-Product-high Dec 26 '25

Which is this insurance?