What is Top-Up Health Insurance?

Top-up health insurance acts as a supplementary coverage option to bolster your existing health insurance policy. It is particularly beneficial when your primary insurance coverage is insufficient to meet high medical expenses due to severe illnesses or accidents.

Who Should Consider Top-Up Health Insurance?

  • Existing Policyholders: Individuals with basic health insurance looking to enhance their coverage without opting for a new comprehensive policy.
  • High-Risk Professions: People engaged in risky occupations prone to accidents or illnesses that may lead to high medical bills.
  • Family Coverage: Ideal for families seeking additional financial protection against unforeseen medical emergencies.

Top-Up Health Insurance

Provides coverage above a certain deductible threshold (e.g., ₹3L+).

  • Covers serious conditions like cancer, stroke, etc.
  • Auto reinstates sum insured post exhaustion
  • Removes cap on room rent

Add-ons

  • Critical Illness
  • Restore Sum Insured
  • Room Rent Waiver

Benefits

  • One-time payout for treatment
  • Multiple claims allowed
  • Access to better hospital rooms

Benefits of Top-Up Health Insurance

Enhanced Coverage

Additional coverage beyond your base health insurance, providing higher sum insured at affordable premiums for better protection.

Cost-Effective

More affordable than increasing your primary policy sum insured, providing enhanced coverage without significantly higher premiums.

High-Cost Treatment

Specialized coverage for serious conditions like cancer, stroke, and other high-cost medical treatments and procedures.

Auto Reinstatement

Automatic restoration of sum insured after exhaustion, ensuring continuous coverage throughout the policy year.

Room Rent Waiver

Removes cap on room rent, allowing access to better hospital accommodations without restrictions for enhanced comfort.

Medical Inflation Protection

Protection against rising medical costs and inflation, ensuring your coverage remains adequate for future healthcare needs.

Why You Need Top-Up Health Insurance?

Top-up health insurance is essential for enhancing your existing health coverage and protecting against high medical costs. Here's why having comprehensive top-up health insurance is crucial:

Enhanced Coverage

Additional coverage beyond your base health insurance, providing higher sum insured at affordable premiums for better protection.

Cost-Effective

More affordable than increasing your primary policy sum insured, providing enhanced coverage without significantly higher premiums.

High-Cost Protection

Specialized coverage for serious conditions like cancer, stroke, and other high-cost medical treatments and procedures.

Top-Up Health Insurance Coverage Include

High-Cost Treatment Coverage

Enhanced coverage for serious conditions like cancer, stroke, and other high-cost medical treatments.

Auto Reinstatement

Automatic restoration of sum insured after exhaustion, ensuring continuous coverage throughout the policy year.

Room Rent Waiver

Removes cap on room rent, allowing access to better hospital accommodations without restrictions.

Deductible Threshold

Coverage activates above a specified deductible limit, providing cost-effective enhanced protection.

Multiple Claims

Allows multiple claims throughout the policy year with automatic sum insured restoration after each claim.

Comprehensive Protection

Covers hospitalization expenses, surgery costs, doctor fees, and all related medical expenses above deductible.

Top-Up Health Insurance Add-ons

Critical Illness Cover

Lump sum payment on diagnosis of critical illnesses like cancer, heart attack, stroke, and kidney failure.

Restore Sum Insured

Automatic restoration of sum insured after exhaustion, ensuring continuous coverage throughout the policy year.

Room Rent Waiver

Enhanced coverage for room rent without restrictions, allowing access to better hospital accommodations.

No-Restriction Benefit

Broader financial protection without restrictions to specific illnesses, offering comprehensive medical coverage.

Key Features of Top-Up Health Insurance

Coverage Limit

Top-up plans come into effect once the claim amount exceeds a specified deductible limit, which is higher than the coverage limit of your primary health insurance.

Affordability

They are cost-effective compared to increasing the sum insured of your primary policy, making them a practical choice to enhance coverage without significantly increasing premiums.

Flexibility

You can choose the deductible amount according to your needs, allowing customization of coverage based on your financial capability.

Comprehensive Protection

They cover hospitalization expenses, including room rent, surgery costs, doctor's fees, and other related medical expenses that surpass the deductible limit.

No-Restriction Benefit

Unlike critical illness policies, top-up health insurance does not restrict coverage to specific illnesses and offers broader financial protection.

How to Buy/Renew Top-Up Health Insurance Online?

The process of buying or renewing a Top-Up Health Insurance online is quite simple and easy. Here’s how you can easily do it for your four-wheeler with us.

01

Fill Your Car Details

Add family members you want to insure and enter your full name and phone number then insurance price offered by top insurance providers in India.

02

Compare Top-Up Health Insurance Quotes

Select the plan which fits your budget & requirements best, out of all the available car insurance plans.

03

Make Payment Online

Select the plan which fits your budget & requirements best, out of all the available car insurance plans.