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
What Sets Why Not Natural Supplements Above Other Supplements Companies in the U.S.
By: Georgette Virgo
In an industry plagued by minimal regulation and questionable practices, Why Not Natural Supplements sets a new standard in transparency and scientific excellence. Founded by chemical engineer Kelin Marquet, this female-owned supplement company challenges the status quo with clean and effective formulations backed by rigorous research.
Why Not Natural Supplements’ outlook on supplement creation contrasts starkly with many competitors in the $50 billion U.S. dietary supplement market. The Food and Drug Administration (FDA) does not require pre-market approval for supplements, which leaves consumers vulnerable to potentially ineffective or harmful products. Why Not Natural Supplements has implemented stringent self-imposed standards that go far beyond regulatory requirements.
“We’re on a mission to educate consumers about what a supplement should look like,” says Kelin Marquet. “As a mother of three, I’m motivated by creating supplements that I feel comfortable giving to my own family.”
A Science-First Approach to Supplement Formulation
Why Not Natural Supplements’ commitment to scientific integrity begins with its founder. Marquet’s background in chemical engineering informs every aspect of the company’s product development process.
“I use my background and strong understanding of science to pore through research articles and choose active ingredients that work – not cheap substitutes you usually find in supplements,” Kelin Marquet explains.
This science-first perspective extends to the company’s use of bioavailable forms of nutrients and its emphasis on third-party testing. Why Not Natural Supplements rigorously tests every product—including their best-selling Organic Vitamin D3 Liquid Drops with K2, 4-in-1 Magnesium Complex, Liquid Vitamin A (10,000 IU) with Coconut MCT Oil, and many others—for purity and potency. This practice sets the company apart in an industry where such thorough quality control is far from standard.
Transparency and Clean Formulations
Why Not Natural Supplements’ transparency is evident in its viewpoint on ingredient selection and labeling. The company maintains a list of ingredients that will never appear in its products, including artificial preservatives, colors, flavors, and common allergens.
“It’s not just about what’s in a supplement – it’s essential what’s not in it, too,” Marquet emphasizes. This philosophy extends to the company’s use of clean, minimalist formulations that avoid unnecessary fillers and additives.
The company provides consumers with clear, accurate information about each product’s contents. This level of transparency is rare in an industry where, according to the National Institutes of Health, supplement labels may not always accurately reflect the product’s contents.
Kelin Marquet emphasizes that each product formulation undergoes rigorous scientific scrutiny, with every ingredient serving a specific, research-backed purpose. “We don’t just throw ingredients together because they’re trendy,” Marquet explains. “Every component in our formulas is there for a reason, in its most bioavailable form, and at the optimal dosage.”
Education and Consumer Empowerment
Why Not Natural Supplements’ mission extends beyond creating high-quality supplements to educating consumers about supplement quality and safety. The company uses its social media platforms and website to provide in-depth information about ingredient sourcing, manufacturing processes, and the science behind its formulations.
This educational outlook is particularly crucial in light of the rapid growth of e-commerce in the supplement industry. As online sales platforms capture an increasing market share, the traditional role of natural and specialty retailers as information gatekeepers is diminishing. Why Not Natural Supplements is stepping into this gap, providing consumers with the knowledge they need to understand dietary supplements and find one that best fits their needs.
“We’re not just selling supplements,” Marquet states. “We’re empowering consumers to make informed decisions about their health by showing them exactly what goes into each formula and why.”
In an industry where regulation is minimal and quality can be inconsistent, Why Not Natural Supplements stands out as a company committed to raising the bar through its science-based method, commitment to transparency, and focus on consumer education.
“Our goal is to change how individuals see natural supplements,” Marquet concludes. “We believe that by prioritizing quality, efficacy, and transparency, we can help consumers reclaim their health and trust in their supplements.”
-
Tech4 years ago
Effuel Reviews (2021) – Effuel ECO OBD2 Saves Fuel, and Reduce Gas Cost? Effuel Customer Reviews
-
Tech5 years ago
Bosch Power Tools India Launches ‘Cordless Matlab Bosch’ Campaign to Demonstrate the Power of Cordless
-
Lifestyle5 years ago
Catholic Cases App brings Church’s Moral Teachings to Androids and iPhones
-
Lifestyle4 years ago
East Side Hype x Billionaire Boys Club. Hottest New Streetwear Releases in Utah.
-
Tech6 years ago
Cloud Buyers & Investors to Profit in the Future
-
Lifestyle4 years ago
The Midas of Cosmetic Dermatology: Dr. Simon Ourian
-
Health6 years ago
CBDistillery Review: Is it a scam?
-
Entertainment5 years ago
Avengers Endgame now Available on 123Movies for Download & Streaming for Free