Going by the rising costs we see around us, healthcare inflation is widespread. Thus, health insurance with full coverage and benefits is essential.

Healthcare has changed and risen in price like other industries. Whether you see a doctor for a cold or a heart condition, you must pay a high consultation fee and undergo a costly medical procedure. Thus, choosing a suitable health insurance plan is crucial. Top-tier health insurers offer many top-up plans. Due to the unpredictability of health emergencies, your health insurance policy may not be enough. Top-up plans help in such cases.

What’s top-up health insurance?

Medical insurance can be added to a health insurance top-up plan. Thus, a top-up plan increases health security. Top-up plans work like basic health insurance plans. However, such plans are more affordable than regular plans.

A health insurance add-on is not a top-up plan. It is not a health insurance rider or add-on. Health insurance riders provide additional coverage. However, top-up health insurance is sold separately. Thus, a top-up plan can provide both individual and additional health insurance.

Indian health insurance top-up plans: The right Indian health insurance policies offer top-up and super top-up plans.

1. Top-up health insurance: Top-up health insurance provides additional coverage per claim. Top-up plans allow cashless health insurance policyholders to claim more than the base sum insured by their health insurance policy. If your second claim is less than the sum insured by the base plan, you can file a top-up claim. Thus, a top-up plan claim must be higher than the base plan claim. Top-up plans cover only one claim over your base health plan’s limits. *

2. Super top-up health insurance plan: This plan uses cumulative claims, unlike top-up plans. Thus, the insured can file multiple claims. Consider a health insurance base plan of INR 5 lakh and a super top-up plan of INR 7 lakh. If your base plan sum insured runs out, you can make super top-up claims. Check for these on a health insurance app. *

Top-up vs super top-up health insurance plan

Super Top Up Health Insurance Plans are affordable and provide additional coverage. Benefits include:

Super top-up plans from most health insurance companies cover large-scale health emergencies and treatments. The super top-up plan protects policyholders from medical bills that exceed their health insurance coverage.

Reasonable premiums

Super Top Up Health Insurance premiums are affordable, giving insureds more health insurance benefits. Thus, super top-up plans earn more than basic health plans. *

Most super top-up insurers offer lifelong renewals. Thus, super top-up health insurance plans remain active as long as premiums are paid on time.

Cashless claims

The soundest Super Top Up Health Insurance Plans in India offer cashless claims at network hospitals across India.

Consumables benefit 

Many super top-up plans cover treatment consumables.

For every claim-free year, super top-up plans offer a cumulative bonus. Thus, every year without a health insurance benefits claim earns the insured benefits like an increased sum assured. Health insurance, including super top-up health insurance, offers tax benefits under Section 80D of the Income Tax Act 1961. * **

Summary

You can also buy health insurance online and compare them to find the right top-up plan in India. Use a health insurance calculator to compare plans and premiums online. This makes buying a policy easy and saves time. If your health coverage isn’t enough, you can use a top-up policy. ##

* Standard T&C Apply

** Currently, there are 2 tax regimes in India – new and old. To get the tax benefit you desire, choose the correct one after consulting an expert. You can opt for a regime change during the next financial year.

## All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.