A “Top-up” health policy is additional coverage for a person/family already having existing health insurance. It is for reimbursement of expenditure which arises beyond a threshold limit of the existing cover. Reimbursement can be one-time hospitalisation or recurring during a policy term.

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The ‘Defined limit’ means the amount up to which the health insurance company will not be liable during the policy period.

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Regular top-up health insurance plan only covers claims when a single claim surpasses the threshold limit, the super top-up plan is similar to top-up plans that enhance your health insurance sum insured. However, the difference is that super top-up plans work on the total medical expenses incurred during the policy year and not on a per-claim basis.

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‘Top-up’ health insurance plans are better for people who want health insured with a higher sum insured amount. As ‘Top-up’ plans have a deductible limit, premiums are normally less than normal health insurance plans and one can get higher coverage by combining with the basic plan.

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No, without an existing primary health insurance policy, a top-up plan cannot be purchased.

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If the claim amount exceeds your primary health insurance coverage then the remaining amount can be claimed from the top-up plan for reimbursement, provided it falls within the coverage limits and terms of the top-up policy.

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Top-up plans, like regular health policies, can have waiting periods for pre-existing diseases, and waiting periods may vary from insurer to insurer or plan to plan.

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Yes, you can often choose the coverage limit and deductible amount, from the options available, at the time of purchasing a top-up plan.

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Top-up plans cover expenses related to hospitalization, surgeries, diagnostic tests, and other eligible medical treatments over and above the deductible limit of the base policy to the extent of the Sum Insured amount of the top-up policy.

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Yes, the Family Floater option is available under the top-up plan to cover all the family members.

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The premiums paid for health insurance top-up plans are eligible for tax benefits under section 80D of the Income Tax Act.

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You can add a Health Insurance “Top-up’ policy which comes with an affordable premium to increase your health insurance coverage.

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Enhanced coverage.

Cost-effectiveness.

Flexibility to choose sum assured and deductible.

Continuity of coverage after exhaustion of basic policy.

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Pre-existing conditions are usually covered with a waiting period. It is essential to review the policy terms and conditions to understand the specific coverage details related to pre-existing conditions.

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Insurers might provide the option to convert health insurance top-up to a normal policy. Kindly refer to the policy terms and conditions. This benefit is beneficial for corporate employees and those who have medical coverage for a limited period.

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