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How To Choose Health Top-Up Plan?

Health top-up plan, it might be a new term for many people, but the one who is aware of it knows its importance and benefits very well. Basically a health top-up plan is a type of additional coverage for those people who already have a health insurance policy. It enhances sum insured amount at a reasonable premium. It improves your existing health insurance policy by providing additional health coverage. A Top-up cover is delivered once the deductible in the existing policy is worn-out. It is not compulsory to have a health insurance plan to buy top-up plan, but it is advisable to take a health insurance plan before choosing any top-up plan. PolicyX.com assists you in choosing the best health top-up plan. Health top-up plan is the best way to improve the sum insured amount at an affordable premium. Buying health top-up plan provides additional coverage to those people who think that their existing health insurance plan is not sufficient for the medical emergencies.
The difference between the health insurance plan and top-up plan is the deductible amount. The policyholders have to choose the deductible amount at the time of buying the top-up plan. Higher the deductible amount lesser will be the premium. You can use your base health insurance and top-up plan for a single hospitalization but the condition is to meet the threshold limits of the plan. You can buy the top-up and the health insurance plan from two different companies, but it is advisable to buy the same from a single insurer as it will save you money and time as well.

What Does Health Top-Up Plan Cover?

The only difference between a normal health insurance plan and top-up plan is the deductible. The higher the deductible, the lesser will be premium amount. There is a condition to use top-up plan, that is if your hospital bills cross the deductible limit during the hospitalization only at that time you can use the top-up plan. You must check deductible criteria for pre-existing disease, single illness, pre & post hospitalization. There are two types of top-up plan, namely basic top-up plan and floater top-up plan. You must choose according to your requirement.

Basic top-up plans covers only single incidence hospitalization, whereas in the floater top-up plan, the benefits are customizable. The floater top-up plan generally covers pre-existing disease from the first day and the rest depends upon the selected insurer.

In India, more than 80% of the insurer are offering basic top-up plan.

Importance Of Top-Up Plan

The top-up plan is important as it provides additional coverage over existing health insurance policy. A base health insurance plan will pay the medical bills up-to the definite sum insured, but a top-up plan will assist you by covering the medical bills after a definite threshold limit. It is a cost-effective way to improve your existing health insurance policy. See, it is really a good thing that you have a health insurance policy, but to be frank what will you do if your base health insurance plan fails to meet your requirements during hospitalization, from where you will arrange the rest of the amount? In that case a top-up plan would be able to assist you completely. It will pay for your expenses during hospitalization, when your existing health insurance policy got exhausted. All the benefits of the top-up plan are the same as in the normal health insurance policy.

Pay the medical bills when your existing policy or deductible limits is worn-out.

It also provides the tax benefit under section 80D of the Income Tax Act, 1961.

Take care of the rising medical costs.

Documents Required For Health Top-Up Plan

If you are buying the health top-up plan from the same insurer from which you have bought the normal health insurance policy, then there is no need to provide documents again but if you are buying from a different insurer then you need to have:

Health-Top Up Plan Premium

  • In Top Up plan, the premium depends upon the deductible. Higher the deductible, lesser will be the premium.
  • You should renew your policy every year or as per the terms and conditions of the policy opted for.
  • The premium amount also depends on the age of entering the plan, lesser the age lesser the rate of premiums.
  • It is better to buy a Health top up plan at an early age as it can help you save a big amount.

Buying Process

It is advisable to buy Health top-up plan online as it is a simple process and can save your time and money as well. If you go online then you will get:

Hassle free place that assist you in buying the desired plan.

It will save your time and money as well.

Simple process, just enter some basic requirements and details to find the best top-up plan.

Compare plans provided by top insurance companies through PolicyX.com.

Choose a plan that suits your requirements.

Fill up the proposal form that requires some basic information.

Upload your documents online. Make the payment through selected mode.

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