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How to Top-Up Health Insurance Plans? Research Team | Posted On Saturday, August 17,2019, 06:38 PM

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How to Top-Up Health Insurance Plans?



Mr Aditya Kothari had a health insurance plan with sum assured of Rs 3 Lakh a year. He was stress-free and believed it was sufficient for medical emergencies; until he suffered a major kidney problem and the medical bills came to Rs 6 Lakhs.

His wife had to break their FDs and pay off the medical bills. If Mr Kothari had a top-up health insurance plan; he would not have faced any financial difficulty while paying the medical bills.

A top-up health insurance plan is a kind of additional cover offered by insurers to help pay medical bills; after you have exhausted your maximum insurance limit.

Unlike the basic health insurance policies, the top-up health plans come with a deductible or a threshold limit. The policyholder must choose the threshold limit at the time of policy inception. This will help determine the amount up to which you can pay your medical bills. It helps cover the hospitalization expenses up to certain limit and save you from getting financially derailed.

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How to Top-Up Health Insurance Plans?

Advantages of Top-Up Health Insurance:

Some of the main advantages of top-up health insurance plans are:

  • The top-up health insurance helps enjoy certain health insurance benefits; as you are covered for a fixed duration. You need not worry even if your current health insurance plan gets exhausted as you can still file claims with top-up health insurance plans.
  • It provides you with the option of modifying your health insurance policy; while renewing the current health insurance plan.
  • You can buy a top-up health insurance plan; even if you don’t have a basic health plan. However, it is advisable to get a health insurance plan with a sum insured equal to the deductible.

See Also: Types of Health Insurance Plans in India

Features and Benefits of Top-Up Health Insurance:

  • The top-up health insurance plans are easily convertible to basic health insurance plans.
  • The plan allows children to be included if both the parents are covered.
  • The plan does not have any restrictions or sub-limits applicable on hospitalization expenses, room rent, doctor’s fee and so on.
  • The policyholder also gets cumulative no claim bonus or NCB on the sum assured for each claim-free year.
  • These plans can be availed without any medical tests up to a specific age.
  • The top-up health policies offer lifelong renewability option to the policyholders.

See Also: How to Buy Health Insurance Policy?

What are The Inclusions of Top-Up Health Insurance Plans?

The coverage option of top-up health insurance plans; vary across insurers. Listed below are some of the common benefits offered by all insurers:

  • Up to 60 days of Pre-hospitalization expenditure.
  • Post hospitalization expenses of up to 90 days from the day of hospitalization
  • The plan covers in-patient hospitalization expenses including the room rent, doctor’s fee, nursing and cost of oxygen/prosthetic devices and so on.
  • The plan also includes coverage for daycare procedures that do not need hospitalization for 24 hours.
  • The emergency ambulance expenses are also included up to a specified limit.
  • Other expenses like the cost of domiciliary treatment are also covered under these plans.

What Does Top-Up Health Insurance Offer?

The top-up health insurance plan works just like an indemnity plan. It provides the same benefits with or without basic health insurance. The top-up health insurance plan takes care of all hospitalization expenses along with daycare treatment, domiciliary treatment and so on.  

The added advantage of these plans is the deductibles which make top-up health insurance affordable. You do not have to go through medical tests up to a certain age; which is otherwise mandatory for health insurance policies.

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