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Know Your Plans: Top Up Health Insurance V/S Normal Health Insurance

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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:

  1. Cashless Claims
  2. Consumables Benefits
  3. Pocket Friendly with increased health coverage
  4. Higher Sum Insured
  5. Lower Premiums
  6. 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.

Michelle has been a part of the journey ever since Bigtime Daily started. As a strong learner and passionate writer, she contributes her editing skills for the news agency. She also jots down intellectual pieces from categories such as science and health.

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Health

How Telehealth Works for Addicts in Recovery

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Technology has been shaping healthcare for decades, and these days, tech advancements for the health sector are happening faster than ever before. Telehealth has emerged as one advancement that has touched every healthcare discipline, from cancer care to pediatrics. The innovative approach of telehealth is breaking down barriers to care and even reaching those who are struggling with substance abuse. 

By leveraging digital platforms, recovery specialists can offer better access to therapy sessions, support groups, and medical consultations. These breakthroughs in accessibility are significant for people in healthcare deserts who are languishing under increased addiction rates and a lack of reliable treatment options. 

Nick Padlo, founder and CEO of Sophros Recovery in Florida, has seen the benefit of telehealth for recovering addicts firsthand. “Individuals struggling with addiction can now find support and guidance if they do not have access to a treatment center near their home,” he explains. “These virtual programs are designed to provide comprehensive care, similar to traditional in-person treatment, but with the added convenience of digital accessibility.”

Here, we explore the benefits of telehealth for recovery and how clinicians and other professionals in the field can best utilize it for better outcomes. 

An increased need for comprehensive recovery 

The United States saw over 107,000 overdose deaths in 2023. This was a notable increase from previous numbers. The emergence of fentanyl as the drug of choice for many and the perpetuation of alcohol and other drug abuses have made access to comprehensive recovery even more important than ever. 

“Understanding the options available can be the first step to recovery,” says Padlo. When people have easier access to help, they may be more apt to seek sobriety. 

The pandemic saw a marked increase in substance abuse, laying bare the need for digital access to recovery resources. During the COVID shutdown, the crucial need for an alternative to in-person treatment was evident, and the benefits of such treatment options allowed clinicians and other professionals to carry this digital access to recovery care through the pandemic and into the post-COVID world. 

In addition, those living in rural areas or areas with a lack of access to comprehensive recovery care often have needs on par with those in larger urban areas. Telehealth allows people to access the same professionals that those in big cities rely upon. 

Studies have shown that continuity of care is critical to the success of addiction recovery. Telehealth can facilitate ongoing engagement with those in recovery, securing continuity of care and leading to better recovery outcomes. 

A modern approach 

“Online addiction recovery typically involves a combination of individual therapy, group therapy, educational sessions, and support groups, all conducted via video conferencing or other online tools,” explains Padlo. The flexibility of these programs allows participants to schedule them around their availability and considering their other commitments. 

“We aim to mirror the effectiveness of traditional methods,” says Padlo. “We are providing the same level of care and support through a virtual format.” 

Padlo stresses that online recovery can also reduce stigmas that are associated with seeking help for one’s addictions. When those in recovery can participate from the comfort of their own home, they may be more apt to commit to the recovery process. 

People will need to consider their personal circumstances when determining if telehealth for addiction recovery is right for them. They may want to evaluate how comfortable they are with technology and whether they have a stable internet connection. Also, it helps to have a strong support system to keep one accountable since it can sometimes be easier to ignore digital meeting commitments. 

However, Padlo cautions that those with severe addiction issues or co-occurring addictions may fare better with in-person detox and recovery. 

Telehealth can be a powerful tool in the fight against addiction. The option offers a range of benefits, including easier access, privacy, and even savings for some. According to a recent study by the Oregon Health and Science University, telehealth may be just the solution to overcoming the stigma of rehab and recovery and radically reducing barriers for people who need it the most. 

While telehealth for addiction recovery may not be a one-size-fits-all solution, and some people may require more intensive care and medical intervention, it has broken barriers for those in areas of limited access to recovery or seeking an option that offers more privacy. 

As the field of virtual health delivery continues to evolve, the benefits of telehealth for addiction recovery will become clear. Telehealth provides comprehensive, discrete, and effective care for those starting or continuing their recovery journey.

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