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
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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.

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.