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Top Up in Health Insurance - Money Doctor Show Kannada | EP 234

Top-up health plans cover hospitalization costs, only after the deductible has been breached or the sum assured of Rs 5 Lakhs (in this example) has been exhausted. The sum assured of an existing plan serves as the deductible for a top-up plan.

In case of a top-up plan, you must exhaust the sum assured in a single go. This is a single hospitalization for a single illness. But, what if you are hospitalized as you fail to recover from this illness, (within 45 days of discharge) called a relapse. A relapse is considered to be a single illness. Relapses are not covered by top-up plans. 

 
 

 
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