10 Jan 2026 | 5 Mins Read
Choosing between super top-up and base cover for effective health insurance
Flipitmoney
A good health insurance structure combines a strong base policy with a suitable super top-up. Base cover responds to everyday medical expenses, handling most hospital bills comfortably, while a super top-up acts as a catastrophe buffer, protecting against large expenses. A Rs 10 lakh base cover and Rs 20-50 lakh super top-up is a sensible minimum structure for most urban families.