New Delhi, July 6 -- If you bought your health insurance policy several years ago, chances are your base sum insured is only Rs.5 lakh or Rs.10 lakh. With hospitalization costs rising sharply, experts recommend increasing your cover through a super top-up plan instead of buying a fresh policy with a high sum insured, if affordability is an issue.

A super top-up plan provides an additional sum insured at a relatively low premium because it comes with a deductible. Typically, your existing base policy meets this deductible. So, if hospitalization results in a large bill, the base policy pays first. Once the claim amount exceeds the deductible, usually equal to your base sum insured, the super top-up takes over and covers the remaining elig...