Call NowTop Up Health Insurance Policy
All you need to know about Top Up Health Insurance Policy
Health insurance is becoming a need due to the steadily rising costs of healthcare in our nation and the rising incidence of ailments. People can get the much-needed financial support they require from medical insurance in case of medical emergency. Uncertainties and health hazards are a part of life. It is impossible to plan for illness, but it is possible to prepare financially. Purchasing medical insurance is one method to prepare financially for unforeseen health risks.
Top up health insurance policies are regarded as supplemental coverage or additional protection for your current medical insurance, which could otherwise not be enough to pay rising medical costs. Top up health insurance plans are available from a number of general and medical insurance providers at competitive costs. If you are between the ages of 18 and 80, you are eligible to purchase them (this can vary from plan to plan). Deductibles play a significant part in determining your top up medical insurance policy's premium as well. A deductible for a top-up plan is often maintained at the same level as the one for the primary insurance. The base health plan that the policyholder owns is typically referred to as the deductible in the top-up plan. Deductibles lower the cost of top-up plans, which is good news.
Features and Benefits of Top up Health Insurance Policy
Benefits of Top-up Health Insurance
A top-up health insurance plan protects you from the chance of expensive hospital bills while helping to enhance your basic health plan coverage. Additionally, it lowers your out-of-pocket expenses and enables you to receive high-quality care at the hospital of your choice without having to worry about finding a way to pay for it.
The following are some typical advantages of a top up medical insurance plan:
- One of the main advantages of a top up plan is the coverage that is provided over and beyond the standard insurance plan. It helps by giving you a financial safety net in the event that your normal policy's threshold limit is reached, relieving you of the associated financial strain.
- Even if your current health plan runs out at the time you register for a claim, you won't have to give up your peace of mind because you'll be able to make multiple claims in a year.
- It's crucial to understand that top-up insurance is quite reasonably priced and can provide several benefits. It simply means that you can now benefit from both increased coverage and affordable premiums. Furthermore, those who fall into the senior age category will profit the most from this benefit. Considering that older persons have a higher risk of becoming ill, getting a top-up plan would be a very practical choice.
What is Covered in Top-Up Health Insurance?
The scope of coverage differs across insurance companies. But typically, you can profit from the following advantages:
- Compensation for in-patient hospitalisation costs, such as nursing and boarding fees, room rental fees, physician fees, OT fees, oxygen costs, prosthetic device or equipment insertion costs during surgery, blood costs, diagnostic tests, and other comparable costs.
- Pre-hospitalisation costs 60 days before admission to the hospital
- Post-hospitalisation costs must be covered within 90 days of discharge.
- Daycare operations that don't require more than a day in the hospital
Our Most Popular Health Insurance Plans
Here are our most popular health insurance plans which provide you comprehensive hospitalization coverage.
For You
AccidentCare provides cover for accidental death and also permanent total or partial disability, and other benefits
This plan offers full COVID-19 cover
For You
AccidentCare provides cover for accidental death and also permanent total or partial disability, and other benefits
This plan offers full COVID-19 cover
For You
AccidentCare provides cover for accidental death and also permanent total or partial disability, and other benefits
This plan offers full COVID-19 cover
For You
AccidentCare provides cover for accidental death and also permanent total or partial disability, and other benefits
This plan offers full COVID-19 cover
How to Choose Top up Health Insurance Plan
Higher deductibles are an option if you want to choose an economic plan. You must keep in mind that there is no overlap in the advantages when purchasing additional coverage. Additionally, since your current health insurance policy may already cover them, exclusions like the daily cash allowance and dental coverage won't make much of a difference. Don't forget to verify the waiting period for pre-existing medical problems, pre- and post-hospitalisation expenses covered, single sickness deductible requirements, maternity coverage, etc. Make sure the plan covers your family, including your parents, spouse, and children. Knowing when you are truly filing a claim might be demoralising at times.
Types of Health Insurance Plans in India
Two different types of top-up plans are provided by insurance firms in India that offer health plans. They are described below:
Top up Plan
A top up health insurance policy tops off your sum covered up to a predetermined level, providing you with the necessary health plan protection during trying times. When medical costs exceed the deductible threshold, a top up health policy's benefits become available.
Super Top up Plan
Once the threshold amount of medical bills has been reached, a super top-up policy offers further insurance protection. A super top up insurance policy takes many hospitalisations during the policy term into account, whereas a top up insurance policy just takes a threshold limit into account for each claim. If the sickness reappears within 45 days of hospital discharge, it will be treated as a single illness under both plans. However, it will be regarded as a new sickness if it returns after 45 days.
Super Top-up Plans Vs Top-up Plans
Both plans offer financial assistance when medical expenses exceed the maximum amount insured. While offering additional financial protection is their main goal, they differ in terms of coverage. In other words, when your claim exceeds the threshold level, a top-up health insurance plan will offer cash assistance for medical expenses. A super top up health plan, on the other hand, will pay for medical costs when one or more claims (within the policy period) add up to more than the threshold level.
| Basis | Top-up Plan | Super Top-up Plan |
Premium |
Lower premiums are included under the top-up plan. |
Higher premium amount comes under super top-up plan. |
Working Criteria |
The top-up plan works only for one claim during the tenure of the policy. |
Super top-up plan supports multiple claims during the policy term. |
Lapsation |
The top-up plan lapse when the amount for the first claim is covered. |
Super top up plans lapse when the whole cover is expired or exhausted. |
Frequently Asked Questions
What happens if my super-top-up or top up medical insurance policy expires?
What is a top up health insurance policy?
Is having additional medical insurance benefits?
Health And Wellness Blogs
How to Protect Your Parents or Elderly People from Coronavirus? | Niva Bupa
Elder people are more vulnerable to coronavirus pandemic. The article explains the different ways in which you can protect your parents/elder people from coronavirus. Know more.
Tips to Buy the Best Health Insurance Policy for Coronavirus
As Covid-19 numbers are rising, it is important that you look at some of the tips to buy a health insurance plan for coronavirus, that ensures financial security for you and your loved ones
Ways to Protect Yourself from Covid-19 at Workplace
With the risk of transmission of Covid-19 at workplace, it has become important to take crucial precautions. The article explains how to protect yourself from Covid-19 at workplace.
How to Work Effectively & Practice Social Distancing During Coronavirus?
It is very important to keep the body fit & work efficiently while maintaining rules of social distancing. Here's how you can work effectively & practice social distancing during lockdown.
Coronavirus & Diabetes: Everything You Need to Know
It is essential that we make it clear that a diabetic is not more vulnerable against the coronavirus. In the article & understand if coronavirus & diabetes are related.
10 Best ways to manage anxiety during COVID-19
People have been largely confined to houses by the ongoing COVID-19 outbreak. Read and find out how to manage your stress, mental health, and anxiety.
Popular Searches - Best Health Insurance Company in India | Best Health Insurance Plans | Critical Illness Insurance | Personal Accident Insurance | Mediclaim Policy | Individual Health Insurance | Best Family Health Insurance | GoActive Family Floater Plan | Health Companion Family Floater Plan | Health Premia Family Floater Plan | Health Pulse Family Floater Plan | Health Recharge Family Floater Plan | Heartbeat Family Floater Plan | Money Saver Family Floater Plan | Saral Suraksha Bima Family Floater Plan | Senior Citizen Family Floater Plan | Super Saver Family Floater Plan | Corona Kavach Family Floater Plan | Hospital Cash Insurance | Cashless Health Insurance | Travel Insurance | Best Family Health Insurance plans in India | Best Health Insurance company | Family Health Insurance | Best Health Insurance plans for Senior Citizens
COVID - Omicron | Coronavirus Health Insurance | Covid XE Variant | Norovirus
Health Insurance Schemes - Chief Ministers Comprehensive Health Insurance Scheme | Employee State Insurance Scheme | Swasthya Sathi Scheme | Pradhan Mantri Matru Vandana Yojna | Government Health Insurance Scheme | Dr. YSR Aarogyasri Scheme | Pradhan Mantri Suraksha Bima Yojna | Health Insurance Deductible | West Bengal Health Scheme | Third Party Administrator | Rashtriya Swasthya Bima Yojana | In Patient Vs Out Patient Hospitalization | Mukhyamantri Chiranjeevi Yojna | Arogya Sanjeevani Health Insurance | Copay Health Insurance | Cashless Health Insurance Scheme | Mukhyamantri Amrutum Yojna
Others - Top Up Health Insurance Policy | Corporate Health Insurance | Health Card | Section 80d of Income Tax Act | Ayushman Bharat | Health Insurance Portability
Travel Insurance Plans - International Travel Insurance | Student Travel Insurance
