Sehwag PX
Health Top-Up Plan
  • Addon Features
  • Benefit of Tax Under 80D
  • Top Up Plans are Cheaper
  • Flexible Sum Insured Options
  • Easily Convert to Basic Health Plan

#Virukipolicy | T&C*

Health Top-Up Plan

Top-up health plans are regarded as add-on cover or additional protection cover to your existing health cover which may at times become insufficient against increasing cost of medical services. Top-up plans are offered by a number of insurers and you can even buy from your existing health insurance provider. There is no age limit, a person between 18 years to 80 years can buy this policy. Also, deductibles play a major role in deciding the premium of the top-up plan.

Affordable Premium Prices

Affordable Premium Prices

Providing coverage at cheap and affordable rates of premium is a major goal of this health plan.

Higher Coverage Options

Higher Coverage Options

The customers can get flexibility in choosing the sum insured in agreement to existing medical requirements.

Reload of Sum insured

Reload of Sum insured

If your current sum insured become entirely nil or utilized due to continuous claim-making, then you can restore your entire amount.

When Do You Need a Top-Up Plan?

When you should own a health plan is a period when you realize that all your savings/salary is draining into medical services. Like, for availing a normal medical consultation, you may have to give your one day salary that you earned after working for hours. While treatment for serious illnesses like heart attack, cancer, stroke, kidney failure, can pinch the entire savings that you collected from salary/investments, etc. Top Up health plan will simply gonna provide financial assistance in difficult hours and simultaneously ensuring customer satisfaction.

Health Insurance Top-Up Plan

 Vikas bought a health cover of Rs 5 lakhs for him and his family. He made a claim for critical illness treatment which cost around Rs 5 lakhs in total that took away the whole sum insured. He was left with nothing as no sum insured is left to claim for future medical emergencies. This will obviously pinch his pocket as he didnít purchase the right coverage according to their medical needs.

Also, if he goes for the up-gradation of an existing policy, it would double the premium. But after consulting insurance web aggregators, he bought a top-up plan of Rs 5 lakhs. Consequently, even after making continuous claim his sum insured of Rs 5 lakhs did not get exhausted. On complete exhaustion, the company provided a refill of the sum insured up to a certain limit. In this way, he saved his money, got timely medical facilities for listed illnesses/injuries and also earned a considerable percentage of discount on the premium.    

What Does Health Top-Up Plan Cover?

Health Top-up plans are a much better option when you want to reduce your premium and want to attain heavy benefits from your health insurance policy. To become eligible for the Top-up health plan, you need not appear for any medical screening if you are below 55 years. However, in base health policy, the maximum limit is 45 years.

Life Reload of Sum Insured

Reload of Sum Insured

Your sum insured will automatically get restored if you face complete or partial utilization through continuous claims raised by the policyholder for a minor or major claim.

Family Inclusion

Family Inclusion

You can include your family members between the ages of 3 months to 65 years who are dependent on you for expenses like your dependent parents, children (91 days to 25 years), spouse.

Lower Premium

Lower Premium

Choosing higher deductibles with respect to the sum opted can really work in cutting the cost of the premium and will save your money indirectly. It basically refers to sharing of claim amount with the insurer.

Wellness Rewards

Wellness Rewards

If you maintain sane health during the term of the policy under wellness programs given by some insurers, then you can avail rewards like medical advice, dietician & nutritional consultation, etc.

Tax Benefit

Tax Benefit

The policyholder can enjoy tax exemptions under section 80D of the Income Tax Act, 1961 against the premium paid in favor of Top-Up health insurance policy.

Relations Covered

Relations Covered

Covers children, spouse, parents, grandparents, brother, sister, parents-in-law, etc. The maximum limit for a number of members can be included will vary from insurer to insurer.

Importance of Health Top-Up Plan

When your base health policy fails to surrender you the complete benefits, then top up health will prove as an angel. How? Suppose you have exhausted your complete coverage in making minor claims and now you need Rs 4 lakhs for critical illness treatment. Company will reload your sum insured completely if you have a top-up plan and you can simply proceed to take treatment.

  • 01
    Cost-Effective : It saves your money by curtailing the total cost of the policy.
  • 02
    Riding Medical Cost : Saves you from rising medical cost in India
  • 03
    Claim Payment : Gives you reimbursement of money if you pay for any listed medical facility
  • 04
    Sum Insured Options : Wide range of sum insured options with reasonable premiums to fulfill coverage needs.
  • 05
    Pre-medical Checkup : No pre-acceptance medical tests for the person above the age of 55 years.
  • 06
    One Sum Insured : All the family members included will get coverage under the same sum insured paying a single premium.

Buying the Best Health Insurance Plan Online

Purchasing online is like a new trend as it helps in saving your precious time and hard-earned money as well. It is same in health insurance policy, with a wide range of health insurance policies; it becomes necessary to compare health insurance first to get a complete idea. People are also using a health insurance calculator for taking better decisions. A health insurance calculator helps them in understanding their needs. Nowadays you can buy health insurance online and can renew it as well. It can save your time and money as well.


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:

STEP

1

Visit the free quote section present at the top of this page

STEP

2

Visit the free quote section present at the top of this page

STEP

3

Visit the free quote section present at the top of this page

STEP

4

Visit the free quote section present at the top of this page

STEP

5

Visit the free quote section present at the top of this page

STEP

6

Visit the free quote section present at the top of this page

Best Top Up Health Insurance Plans in 2019

While finding the best is a tedious task as you donít have proper knowledge of which company will promise depicted benefits. Some companies may offer quality benefits but lesser claim settlement ratio. While some companies have good claim service but benefit offered are not worthwhile. So, letís simplify the process and present the best insurers in your plate.

Recommended
Religare Enhance Super top Up

Religare Enhance Super Top Up

Features

  • Full claim paid by Insurer
  • Pre existing Covered after 4 years
  • Health Checkups Once every year
  • Option available to convert to base health plan

Max. Coverage Limit

Deductible - 5 Lacs

Net Cover (Range) - 5 Lacs

(10 Lacs)

Recommended
My health Medisure Super Top-up

My health Medisure Super Top-up

Features

  • Full claims payment by Insurer
  • Pre-existing Covered after 3 years
  • Health Checkups - Not covered
  • Deductible Converting to Zero - Not Available

Max. Coverage Limit

Deductible - 5 Lacs

Net Cover (Range) - 5 Lacs

(10 Lacs)

Most Popular
Royal Sundaram Health Insurance

Lifeline Supreme (STU)

Features

  • Full claims payment by Insurer
  • Pre-existing conditions Covered
  • Health Checkups - 2 Starting Year
  • Deductible Converting to Zero Option available

Max. Coverage Limit

Deductible - 5 Lacs

Net Cover (Range) - 5 Lacs

(10 Lacs)

Most Popular
ManipalCigna ProHealth Protect

ManipalCigna ProHealth Protect

Features

  • Full claim paid by Insurer
  • Pre-existing Covered after 4 years
  • Health Checkups Every 3rd Policy Year
  • Deductible Converting to Zero Option available

Max. Coverage Limit

Deductible - 5 Lacs

Net Cover (Range) - 5.5 Lacs

(10.5 Lacs)

Most Popular
New India Top Up Mediclaim

New India Top Up Mediclaim

Features

  • Share Claim Payments by Insurer
  • Pre-existing Covered after 4 years
  • Health Checkups Not covered
  • Deductible Converting to Zero Not Available

Max. Coverage Limit

Deductible - 5 Lacs

Net Cover (Range) - 5 Lacs

(10 Lacs)

Documents Required For Health Top-Up Plan

A top-up health insurance policy is like an add-on health policy that you can use when the limit of your basic health plan gets exhausted. You can pay the rest of the treatment charges by the top up policy after paying the main charges through your basic policy. It basically provides coverage on the balance pending from the total treatment cost.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:

Age Proof

Age Proof

Any one of Birth Certificate, 10th or 12th mark sheet, Driving License, Passport, Voter ID, etc

Age Proof

Identity Proof

Driving License, Passport, Voter ID, PAN Card, Aadhar Card, which proves one's citizenship

Age Proof

Address Proof

Electricity Bill, Telephone Bill, Ration Card, Driving License, Passport, should clearly mention the permanent address.

Some plans require a medical check-up usually for elder people above age 45 in order to make sure that the insured does not suffer from any chronic illness. Passport Size Photo to have a record of the insured person's identity for future references.

Health-Top Up Plan Premium

It is a fact that a basic health insurance plan will not be able to cover all incidents, thus it is important for you to think about a top up. This is where you will understand the importance of having a top up plan. It not only provides the useful coverage, but a high one as well.

You can decrease your total premium value by opting higher deductibles under top-up health plan and by purchasing the cover at an early age. Premium also depends upon the number of members covered in the policy. To get suitable cover, use our compare portal which will provide accurate information about premium offered by various insurers with variable medical benefits.

It is a process of sharing medical expense in which the amount till deductible have to be paid by the policyholder. Once the limit is worn out, then the top up plan will be there to assist you in every possible way. It will provide the coverage once the basic limit is worn out.

It is available in different forms it can offer coverage with sum assured starting from Rs 50000 to 225000 lakh. For the same, you can place deductible as minimum as 30 thousand. There are several rules associated with it, you can easily get one of them for yourself. It will offer great protection along with the deductibles which are borne by another insurance policy.

It majorly acts as a supplementary policy that offers the dual benefits of the high sum assured at low prices. It is a great thing for the senior citizen as it takes care of each and everything related to health. At a time when the cost of medical expenses is rising day by day, you need a complete health security that you can get with a health top up policy. Top up plans will offer higher protection, hence you should go for it. You must search online for effective Royal Sundaram Health Insurance Plans, ICICI Lombard Health pans and plans of other insurers also.

1. In Top Up plan, the premium depends upon the deductible. Higher the deductible, lesser will be the premium.

2. You should renew your policy every year or as per the terms and conditions of the policy opted for.

3. The premium amount also depends on the age of entering the plan, lesser the age lesser the rate of premiums

4. It is better to buy a Health top up plan at an early age as it can help you save a big amount

Top-up Plans Visit Super Top-up Plans

Top-up PlansSuper Top-up Plans
DefinitionTheses are plans that give you extra financial protection from medical expenses in extension to the basic health insurance policy.These plans are made to provide additional protection in supplementary to the basic plan and pay for multiple claim bills which are not valid in a top-up plan.
Claim Amount RestrictionsIf the claim amount is more than the basic policy sum insured, then the top up plan will pay the remaining amount. If multiples bills are presented like-
  • Rs 4 lakhs
  • Rs 2 lakhs
  • Rs 1.5 lakhs

The top-up plan will only pay the first bill as it is above the threshold limit.
Super Top-up will pay the claim amount beyond the threshold limit. Also, if multiple bills come across like-
  • Rs 4 lakhs
  • Rs 2 lakhs
  • Rs 1.5 lakhs

The super top-up plan will pay the remaining part of the claim. Also, it will pay the next two bills came across.
SuitabilityThis is best for people who do not suffer from serious illnesses and has very fewer chances of getting hospitalized.This works well for those people who are more prone to critical illness/accidents and have lots of other financial liabilities to take care of.
PremiumLesser amount of premium is paid which is affordable.Premium are proportionately higher than top-up policy.

Customer Reviews

Testimonials

  • I m impressed with the service provided by Executives of policyx. Especially Mr.Manoj and Abhay. They assist to finalize my policy and cleared all doubts and could finalize it. My thanks to these two executive and policyx.Regards n best wishes.G. Anil Kumar.

    - Gopan Anil Kumar, Hyderabad

  • The sales agent others were knowledable enough to convince me to buy a policy and help me understand how to get health insurance claims and various formalities .

    - Hari, Delhi

  • I have taken a Group Mediclaim plan from Oriental Insurance company for my whole family and the coverage offered is for 5 lakhs per year. Cashless treatment is available in which 24 hrs.

    - Wasim, Ludhiana

- / 5 ( Total Rating)

Last updated on 29-07-2019