Popular Top up Health Insurance Plans

The table below shows the differences between top-up and super top-up health insurance:

Customers select a top-up package if they need more coverage for their medical expenses. But once the initial deductible on your plan has been paid in full, this plan comes into effect. Every plan has a different deductible according to their plan terms and condition. It is not necessary to have a base health insurance plan to purchase a top-up plan, but you will be responsible for paying the costs up to the deductible amount out of pocket. If you do not have a base policy that pays for your medical expenses, it becomes necessary to cover the amount out of pocket till the deductible to activate your top-up plan.

The advantages of purchasing a Top-Up Health Insurance are given below:

• Cost Effective: When compared to updating your base health insurance plan, top-up health insurance offers more affordable options by offering additional coverage beyond your base plan at an affordable rate, saving your money and guaranteeing complete protection.
• Additional Security: Top-Up plan offers extra security by paying for medical costs that exceed your base health insurance which helps you save money during any medical emergency.
• Higher Sum Insured: It offers financial security for expensive hospital stays and medical procedures without the need for a new health insurance plan. It offers wide healthcare coverage for unforeseen medical needs, providing comfort and efficient cost control.
• Cashless Treatment: To ensure hassle-free access to healthcare, many top-up plans offer cashless treatment facilities. This means that you can get medical care without having to pay upfront because the insurer will settle bills directly with the hospital within the given coverage limits.
• Wide Coverage: Beyond basic medical needs, top-up health insurance offers complete coverage for a variety of medical issues beyond what your base health insurance covers. This includes critical illnesses or specialised treatments.

Several people who wish to improve their current health coverage without having to make significant financial sacrifices can benefit greatly from top-up health insurance. The following individuals ought to think about acquiring a supplemental health insurance plan:

• Policyholders of Basic Health Plans: A top-up policy can offer further financial security if your Basic Health Plan offers limited coverage. Covering medical costs above and beyond what your base plan pays, takes effect when your primary insurance limit is reached.
• High Risk of Medical Expenses: If you anticipate needing costly medical operations or hospital stays that may exceed your current insurance limitations, a top-up coverage ensures you're adequately protected without having to pay a sizable sum out of cash.
• Cost-Concious People: Top-up insurance is a more cost-effective approach to boost coverage for people who wish to efficiently control healthcare costs than buying a brand-new comprehensive health plan. In this manner, you might obtain longer coverage at a reduced rate.
• Families: Adding top-up insurance to a family's plan helps safeguard members' finances against unanticipated medical emergencies. It protects every member of the household by ensuring comprehensive coverage above and beyond what a single health insurance plan may provide.
• Retirees: Retirees may have greater medical demands and frequently encounter restrictions with employer-sponsored health plans. Increasing their coverage and controlling healthcare costs in retirement may be more affordable with top-up insurance.

These people and organisations can guarantee complete protection against unanticipated medical costs while controlling their healthcare costs by taking into account top-up health insurance. Without the high premiums associated with full health policies, it offers financial security and peace of mind.

The eligibility criteria for a Top-Up may vary from insurer to insurer and plan to plan. However, the common age to purchase top-up health insurance is 18 years- 65 years.

Top-Up Plans are available as both individual and family floater plans. This helps an individual not only cover himself but also their loved ones. A child can be added to the plan as well, however the minimum entry age may differ with every insurer.

You can purchase the Top-Up plan through online and offline mode with InsuranceDekho. Follow the steps given below to purchase a top-up plan from InsuranceDekho:

Online

Step 1: Visit the InsuranceDekho’s official website.

Step 2: Click on the Insurance tab to view the drop-down menu.

Step 3: Select the Health Insurance option in the drop-down menu.

Step 4: Fill in the details on the new page that opens.

Step 5: Click on the View Plans option to view the plans available for you.

Step 6: Select the best top-up health insurance plan for you to proceed forward.

Offline

You can contact InsuranceDekho’s experts/ advisors at +91-7551196989, support@insurancedekho.com or Girnar Insurance Brokers Private Limited,

Plot no.301, Phase-2, Udyog Vihar, Gurugram-122022, Haryana, India. Our advisors provide customers with at-home services, they help you understand the plan and choose the best top-up plan that fulfils all your needs and requirements.

Consider the following factors while choosing the best top-up health insurance plan:

• Deductible: Purchasing a top-up plan increases your coverage, but to access it, you must first exceed your deductible amount. Customers usually choose a greater deductible since it results in a cheaper premium. The size of the deductible, however, must be chosen carefully and by the customer's medical necessity.
• Benefits: There are numerous perks associated with each plan, however, customers should prioritise selecting a top-up plan that best suits their medical needs. It is important to understand your needs and customise the plan accordingly. Ensuring that the top-up you select satisfies all of your needs and provides proper coverage is crucial.
• Coverage: Each plan has different coverage depending on the customer's age, plan, and health issues. Depending on their needs and health issues, the family floaters, individuals, and senior citizens have different coverages in their plans.
• Sub-Limits: Before selecting a top-up plan, review the sub-limits of each coverage. Customers should consider lower sub-limits as they might restrict their coverage. Selecting a top-up plan without any sub-limits is recommended usually. A policyholder may have to pay bills out of pocket as a result of sub-limits.
• Waiting Period: A waiting period is a feature of all health insurance plans. Customers only receive coverage for their medical procedures after this time has passed. When selecting a plan, look up the waiting period for the treatments and procedures. A shorter waiting period is always considered by the policyholder as it provides them with coverage without a long wait.