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Top-Up Health Insurance: Everything You Need to Know Research Team | Posted On Tuesday, November 26,2019, 05:57 PM

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Top-Up Health Insurance: Everything You Need to Know



Top-up health insurance is a scheme which is meant to give additional cover on top of your normal health insurance cover. A top up-health plan allows policyholders to increase their existing limit of health plans. Top-up plans have proved to be a boon for people who require regular treatment or if their health insurance coverage is not sufficient to cover their healthcare needs. In simple words, a Top-up health insurance policy provides additional insurance coverage after the basic threshold limit under a normal policy is breached.

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See Also: Top up Insurance Plan and its Benefits

Why Do You Need a Top-up Plan?

You can opt for top-up policy under the following scenarios:

  • When your healthcare plan is not offering you adequate protection, in such circumstances a top-up plan enhances the insurance cover and helps insurers get good coverage.
  • When you want to enhance your policy cover at bare minimum price. The premium charges of top-up plans are cheaper than conventional health insurance plan with the same cover. This helps you save an extra amount as well as avail enhanced cover.

What’re the Types of Top-up Plans?

Top-up plans are available in two categories:

Regular top-up plan:

A top-up health insurance plan is referred to a scheme which gives you an avenue to avail additional cover over the insurance limit of your health plan. The premiums of top-ups plans are cheaper and it provides you with a safety cover when there a chance that you might exceed the threshold limit of your insurance policy. When you are faced with a major illness that requires multiple hospitalizations or you have a pre-existing illness that requires regular treatment then you can opt for a top-up health insurance plan to extend your existing insurance coverage.

Super top-up plan:

A top-up plan has certain drawbacks that can be resolved by purchasing a super-top up plan. A top-up plan only pays hospital bills if the threshold limit exceeds on your regular health insurance policy on single or multiple hospitalizations whereas the super top-up plan provides coverage over the threshold limit. In simple words, you can make multiple claims on a super-top up plan, unlike top-up plans which do not offer such benefits.

See Also: Health Insurance for Family

Top-up Policy- Some Facts to Know:

Here are some of the facts you should know about top-up policy cover:

Buying a top-up plan: top-up plans are available with various insurers. You can purchase it either from your own insurer or from other insurance providers. You can buy the top-up plan online by filling in the basic details or you may opt for an offline plan. Whichever way you purchase, it comes as an add-on with your basic insurance plan.

Eligibility: there are a minimum and maximum age criteria that you have to abide by while availing a top-up plan. You can purchase a top-up plan between 18 to 80 years. A dependent child can be insured for 3 months under the top-up plan up to a maximum age of 25 years.

Deductable of top up plan: while purchasing the top-up plan, you have to choose the deductible amount. This amount will be paid from your pocket in times of medical emergency. The rest will be paid by your insurer as per the policy’s terms and conditions.

Premium amount and sum insured: the premium amount is evaluated based on the sum assured, age of the subscriber and the deductible. Higher the deductible amount, lower the premium amount and vice-versa.

Pre-policy medical test: subscribers of these plans will not have to go for pre-policy medical screening up to the age of 45 years. It is mandatory to go for the pre-policy medical test above this age. The age criteria may vary from insurer to insurer.

Top-up Plan-Some Tips to Ensure the Right Policy:

  • As mentioned earlier the deductible amount determines the premium you pay on your policy. So you cannot choose any random amount as deductible as this is the amount you have to bear in times of medical emergencies.
  • There are certain drawbacks of top-up plans. In case of multiple hospitalizations in a year top-up plan only pays an amount over and above the deductible amount. So if the limit is exhausted, you may be left with no cover at all.
  • You must choose a top-up plan by evaluating factors like day-care coverage, pre-existing illness cover and pre or post-hospitalization coverage.
  • Top-up plans come with tax benefits under section 80C of the income tax act, 1961.

See Also: Does Health Insurance Cover Air Pollution?

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