MAM
Health Insurance Plans: Base Cover + Super Top-Up Combo for Families
Families want strong health insurance for family, but nobody wants to overpay for a cover that sits unused. A smart way to balance cost and protection is a base policy plus a super top-up. The base plan pays for most hospitalisation needs, and the super top-up adds a cushion for expensive years.
Why This Combo Works For Families
Medical expenses can come in waves, sometimes for more than one member in the same year. Layered cover helps because it can offer:
● A higher overall cushion without buying a large base cover.
● Better support when multiple hospital bills happen in one policy year.
● Flexibility to increase protection later without replacing the core plan.
This is why many people shortlist this structure while comparing health insurance plans for family.
Base Cover: Choose It for Claim Usability
Your base policy is the first responder, so pick it for clear benefits and fewer restrictions. While reviewing health insurance plans, focus on:
● Cashless hospital access in your city.
● Room eligibility rules and expense caps.
● Pre- and post-hospitalisation coverage, as defined in the policy.
● Day care procedures and waiting periods.
If the base cover has tight limits, a super top-up cannot always fix the experience, because both policies follow their own terms.
Super Top-Up: What it is
A super top-up is an additional health insurance policy that starts paying after your medical costs cross a chosen threshold called the deductible. The key difference is that a super top-up usually looks at the total of eligible bills across the year, which is helpful in family health insurance when expenses are spread across multiple hospital events.
Top-Up vs Super Top-Up
A basic top-up may trigger only when a single bill crosses the deductible. A super top-up can trigger when the combined bills cross the deductible, even if each bill is not very large.
Who Benefits Most From a Base Plus Super Top-Up Setup
This combo can be especially relevant if:
● You want a larger cushion but prefer to keep the base premium moderate.
● Your family has a higher chance of multiple hospital events in a year, even if none are substantial.
● You rely on employer cover today, but want a personal safety net that still makes sense if you change jobs.
● You want health insurance for your family that can scale over time without a complete switch.
Choosing the Deductible Without Confusion
Keep the logic simple: Align the deductible to the protection you already have.
● If the base policy is your main cover, keep the deductible around what the base cover can reasonably handle.
● If you have employer cover, align the deductible to the combined cushion so the super top-up activates only when costs go beyond it.
Do not set it so high that you end up funding a stressful portion of the claim from your pocket.
How Claims Flow in Real Life
Think of it as a relay.
● The base cover pays first, up to its available cover.
● Once total eligible costs cross the deductible, the super top-up can cover the excess, as per its rules.
This structure can protect your savings when bills add up over the year, which is precisely what many buyers expect from health insurance plans for family.
Where Parents Fit
If parents are included, keep the structure clean. Many households prefer a separate parents’ health insurance policy because senior members are more likely to claim and can consume a shared floater quickly.
A separate plan also lets you choose age-suited terms without affecting your main family cover. If needed, you can pair a super top-up with the parents’ policy as well, but align the deductible carefully to their base protection.
Before You Buy, Avoid These Practical Traps
These small checks can prevent big surprises later:
● Confirm whether the deductible is applied across the policy year and not only to a single hospital bill.
● Read the room rules and sub-limits, since they can increase your out-of-pocket share.
● Ensure you understand exclusions and waiting periods, especially for existing conditions.
● Disclose medical history thoroughly and accurately.
Good health insurance is not only about how much cover you buy, but how smoothly it pays when you claim.
Final Thoughts
A base cover plus super top-up combo can be an efficient way to build health insurance for a family. Choose the base policy for usability, add the super top-up for extra headroom, and keep parents’ health insurance separate in most cases to protect your household cover. With the proper alignment, you get strong protection without paying for more than you need today.
MAM
Nielsen launches co-viewing pilot to sharpen TV measurement
Super Bowl pilot to refine how shared TV audiences are counted
MUMBAI: Nielsen is taking a fresh stab at one of television’s oldest blind spots: how many people are actually watching the same screen. The audience-measurement giant on February 4 unveiled a co-viewing pilot that uses wearable devices to better capture shared viewing, starting with America’s biggest broadcast stage.
The trial begins with Super Bowl LX on NBC on February 8, 2026, before extending to other high-profile live sports and entertainment events in the first half of the year. The goal is simple but commercially potent: count viewers more accurately, especially during live spectacles that pull families and friends to one screen.
The new approach leans on Nielsen’s proprietary wearable meters, wrist-worn devices that resemble smartwatches. These passively capture audio signatures from TV content, logging exposure to shows, films and live events without requiring viewers to sign in or self-report. In theory, fewer clicks, fewer lapses, better data.
Karthik Rao, Nielsen’s ceo, cast the move as part of a broader measurement push. He said the company’s task is to keep pushing accuracy as clients invest heavily in live programming that draws mass audiences. The co-viewing pilot, he added, builds on upgrades such as Big Data + Panel measurement, out-of-home expansion, live-streaming metrics and wearable-based tracking.
Co-viewing is not new territory for Nielsen, which has long tried to estimate how many people sit before a single set. What is new is the heavier integration of wearables and passive detection to reduce reliance on active inputs from panel homes.
For now, the pilot comes with caveats. Co-viewing estimates from the trial will not be folded into Nielsen’s Big Data + Panel ratings, which remain the industry’s trading currency. Instead, pilot findings will be shared with clients a few weeks after final Big Data + Panel ratings are delivered. Clients may disclose those findings publicly.
More impact data will follow later this year. Full integration into Nielsen’s marketing-intelligence suite is slated as a longer-term play, with a target of bringing co-viewing into currency measurement for the 2026–2027 season. This is only phase one, with further co-viewing enhancements planned beyond 2026 and additional timelines to be announced.
The push fits a wider pattern. Nielsen has in recent years expanded big-data integration, adopted first-party data for live-streaming measurement and broadened out-of-home tracking. It also positions itself as the reference point for streaming metrics through products such as The Gauge and the Nielsen Streaming Top 10.
In a market where billions of ad dollars hinge on decimal points, counting who is in the room matters. If Nielsen can pin down shared viewing, the humble sofa could become prime measurement real estate. The race to count every eyeball just found a new wrist to watch.
Brands
Delhivery chairman Deepak Kapoor, independent director Saugata Gupta quit board
Gurugram: Delhivery’s boardroom is being reset. Deepak Kapoor, chairman and independent director, has resigned with effect from April 1 as part of a planned board reconstitution, the logistics company said in an exchange filing. Saugata Gupta, managing director and chief executive of FMCG major Marico and an independent director on Delhivery’s board, has also stepped down.
Kapoor exits after an eight-year stint that included steering the company through its 2022 stock-market debut, a period that saw Delhivery transform from a venture-backed upstart into one of India’s most visible logistics platforms. Gupta, who joined the board in 2021, departs alongside him, marking a simultaneous clearing of two senior independent seats.
“Deepak and Saugata have been instrumental in our process of recognising the need for and enabling the reconstitution of the board of directors in line with our ambitious next phase of growth,” said Sahil Barua, managing director and chief executive, Delhivery. The statement frames the exits less as departures and more as deliberate succession, a boardroom shuffle timed to the company’s evolving scale and strategy.
The resignations arrive amid broader governance recalibration. In 2025, Delhivery appointed Emcure Pharmaceuticals whole-time director Namita Thapar, PB Fintech founder and chairman Yashish Dahiya, and IIM Bangalore faculty member Padmini Srinivasan as independent directors, signalling a tilt towards consumer, fintech and academic expertise at the board level.
Kapoor’s tenure spanned Delhivery’s most defining years, rapid network expansion, public listing and the push towards profitability in a bruising logistics market. Gupta’s presence brought FMCG and brand-scale perspective during a period when ecommerce volumes and last-mile delivery economics were being rewritten.
The twin exits, effective from the new financial year, underscore a familiar corporate rhythm: founders consolidate, veterans rotate out, and fresh voices are ushered in to script the next chapter. In India’s hyper-competitive logistics race, even the boardroom does not stand still.
MAM
Meta appoints Anuvrat Rao as APAC head of commerce partnerships
At Locofy.ai, Rao helped convert a three-year free beta into a paid engine, clocking 1,000 subscribers and 15 enterprise clients within ten days of launch in September 2024. The low-code startup, backed by Accel and top tech founders, is famed for turning designs into production-ready code using proprietary large design models.
Before that, Rao founded generative AI venture 1Bstories, which was acquired by creative AI platform Laetro in mid-2024, where he briefly served as managing director for APAC. Alongside operating roles, he has been an active investor and advisor since 2020, backing startups such as BotMD, Muxy, Creator plus, Intellect, Sealed and CricFlex through a creator-economy-led thesis.
Rao spent over eight years at Google, holding senior partnership roles across search, assistant, chrome, web and YouTube in APAC, and earlier cut his teeth in strategy consulting at OC&C in London and investment finance at W. P. Carey in Europe and the US.
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