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      Top-up Health Insurance

      Top-up health insurance works as a supplement to your primary health cover. These plans offer you the desired medical coverage in case the sum insured amount of your current health insurance policy gets exhausted. So if you think that your existing sum insured/coverage amount is not sufficient, then a top-up health plan is a good option for you.

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      What are Top-up Health Insurance Plans?

      A top-up health insurance plan is an indemnity policy that provides additional medical coverage to people with an existing health insurance policy or an employer mediclaim policy. It allows people to get their medical expenses covered even if they have exhausted the sum insured of their regular health insurance policy. However, a top-up plan comes with a mandatory deductible or threshold limit and provides coverage only after the insured has paid the deductible amount.

      Top-up medical insurance plans are affordable and more economical than basic health insurance. They can also be taken along with the health coverage provided by your employer. It will offer an additional sum insured to help you cope with unforeseen medical emergencies in case you feel that your existing medical policy may not suffice.

      How Does Top-up Health Insurance Work?

      A top-up health insurance plan gets activated only when the sum insured of your regular health policy gets exhausted. The plan comes with a deductible amount, which is opted by the policyholder at the time of buying the policy. Only when you pay the deductible amount, you can claim your top-up insurance plan. 

      You can pay the deductible amount from your own pocket or through another health policy. However, you need to cross your deductible limit in a single hospitalization bill. Moreover, you can claim your top-up insurance plan only once in a policy year.

      Let’s understand the concept of top-up health insurance with the help of the following example.

      Suppose you have a health policy with a sum insured of Rs 5 lakh and you decide to buy a top-up insurance plan of Rs 10 lakh with a deductible of Rs 2 lakh. Now imagine you got hospitalized for an illness and a hospital bill of Rs 7 lakh was generated. In this case, the sum insured of your base policy i.e. Rs 5 lakh will get exhausted. Moroever, you can claim your top-up plan as your base policy sum insured will take care of your deductible amount. 

      So if you have registered a claim of Rs 7 lakh, then Rs 5 lakh will be paid from your base health policy and the remaining Rs 2 lakh will be paid from your top-up plan. 

      ₹1000 Cr worth of claims assisted in 2022-2023
      How we helped our customers

      Best Top-up Health Insurance Plans in India

      Take a look at the best top-up insurance plans available in India:

      Top-up Insurance Plans Entry Age Sum Insured (Rs) Deductible (Rs) Pre-policy Medical Check-ups
      Aditya Birla Super Health Plus Top Up Plan Adult – 18 to 65 years
      Child – 91 days to 25 years 
      3 lakh to 95 lakh 1 lakh to 15 lakh May be required View Plan
      Bajaj Allianz Extra Care Plan Adult – 18 to 80 years
      Child – 91 days to 25 years
      10 lakh to 15 lakh 3 lakh to 5 lakh Not required up to 55 years View Plan
      Care Enhance Plan Adult – 18 years onwards
      Child – 1 day to 24 years
      1 lakh to 40 lakh 1 lakh to 20 lakh Not required up to 50 years and/or Rs 40 lakh sum insured View Plan
      Digit Health Insurance Plan Adult – 18 years onwards
      Child – 91 days onwards
      2 lakh to 3 crore - May be required View Plan
      Future Generali Advantage Top-up Plan Adult – 18 years onwards
      Child – 1 day to 25 years
      50,000 to 1 crore 50,000 to 40 lakh May be required View Plan
      IFFCO Tokio Health Protector Plus Plan Adult – 18 to 65 years
      Child – 91 days to 25 years
      2 lakh to 25 lakh 1 lakh to 5 lakh Not required up to 45 years View Plan
      Liberty Health Connect Supra Plan Adult – 18 to 65 years
      Child – 91 days to 25 years
      50,000 to 20 lakh 50,000 to 10 lakh No required if no medical history View Plan
      Magma HDI OneHealth Extra Cover Plan Adult – 18 years onwards
      Child – 91 days to 26 years
      5 lakh to 1 crore 2 lakh to 20 lakh May be required View Plan
      New India Top-up Mediclaim Plan Adult – 18 to 65 years onwards
      Child – 91 days to 25 years
      5 lakh to 22 lakh 5 lakh, 8 lakh Not required up to 50 years View Plan
      Reliance Yes Plus Health Insurance Plan Adult – 18 to 65 years onwards
      Child – 91 days to 25 years
      3 lakh to 40 lakh 2 lakh to 10 lakh - View Plan
      Royal Sundaram Advanced Top Up Health Insurance Plan Adult – 18 to 65 years onwards
      Child – 91 days to 25 years
      10 lakh to 95 lakh 5 lakh to 25 lakh Not required up to 35 years View Plan
      SBI Arogya Top Up Plan Adult – 18 to 65 years onwards
      Child – 91 days onwards
      1 lakh to 50 lakh 1 lakh to 10 lakh Not required up to 55 years View Plan
      Star Super Surplus Insurance Plan  Adult – 18 to 65 years onwards
      Child – 91 days to 25 years
      5 lakh to 1 crore 3 lakh to 25 lakh Not required View Plan
      Universal Sompo Super Healthcare Insurance Plan Adult – 18 to 80 years onwards
      Child – 91 days to 30 years
      1 lakh to 20 lakh 50,000 to 10 lakh Not required up to 65 years and Rs 20 lakh sum insured View Plan
      See More Plans

      *Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Benefits of Buying a Top-up Health Insurance Plan

      Here are some of the reasons why you must buy a top-up health insurance plan:

      • Get Enhanced Coverage – Top-up plan helps you to enhance your medical coverage so that you can pay for unforeseen medical expenses even after the sum insured of your base policy gets exhausted.
      • Lower Premiums – As compared to regular health insurance plans, top-up insurance plans are available for lower premiums as the deductible amount lowers the liability of the insurer.
      • No Restrictions or Sub-limits – Most plans do not have any restrictions or sub-limits on hospitalization expenses, like room rent, doctor fees etc.
      • Easily Convertible – A top-up insurance plan is very flexible as you can easily convert it to a regular health plan at the time of renewal.
      • No Pre-policy Screening Required – Most top-up plans do not need the insured to undergo any medical check-ups before buying the policy up to a certain age.
      • Tax Benefits - Tax benefits can be claimed on the insurance premium paid to buy the top-up plan under Section 80D of the Income Tax Act.
      • Peace of Mind - Even if your current health policy gets exhausted while filing a claim, you can still enjoy peace of mind as your top-up plan will cover your remaining bills.

      What is Covered in a Top-up Health Insurance Plan?

      The following medical expenses are covered under most top-up insurance plans:

      • In-patient hospitalization expenses, including nursing and boarding charges, room rent, doctors’ fees, OT charges, cost of oxygen, prosthetic devices or implantation of any other equipment during surgery, blood, diagnostic procedures, and other similar expenses
      • Pre-hospitalization expenses
      • Post-hospitalization expenses
      • Day care procedures that do not require hospitalization of even 24 hours
      • Organ donor expenses
      • Emergency ambulance charges
      • Domiciliary treatment expenses

      How is Top-Up Insurance Different from a Basic Health Insurance Plan?

      Top-up health insurance plans cover almost all hospitalization expenses. It is like an indemnity plan, which provides the same benefits as a basic reimbursement health plan. The only difference is the cost of deductibles that make these plans easy on the pocket. Moreover, most top-up plans do not require pre-medical screening up to the age of 50 years, which is mandatory after 45 years under most basic health insurance plans. 

      If your basic health plan reaches the sum insured limit, the claim for both top-up and individual health plans can be filed together. Besides, you can easily file a claim under both plans simultaneously from different insurance providers, who will be liable to pay off part of their claims.

      But do not mix a top-up plan with a rider benefit. Rider benefits, like personal accident cover, hospital cash allowance, critical illness cover, etc., offer coverage for only a few major illnesses. You can purchase a rider plan only with a base plan. However, you can buy a top-up plan irrespective of having a base plan.

      How Top-up Insurance is Different from Super Top-up Insurance?

      Top-up insurance and super top-up insurance plans are similar but not the same. Although they both offer additional medical coverage in case your base policy sum insured gets exhausted, super top-up insurance comes with some additional benefits.

      While top-up insurance allows you to file only one claim in a policy year after the deductible amount is paid, a super top-up insurance plan accepts multiple claims in a policy year. Moreover, you need to cross the deductible limit of your top-up insurance plan in a single hospitalization bill. However, the super top-up insurance plan allows you to club multiple hospitalization bills to cross the deductible limit.

      For example: 

      Suppose your top-up insurance plan has a deductible/threshold limit of Rs 3 lakh. If you make two claims in a year of Rs 1 lakh and Rs 2 lakh, then your top-up plan will not be triggered. Similarly, if two members of a family floater plan are hospitalized and the hospital bill comes out to be Rs 2 lakh each, then the top-up policy will not get activated. 

      However, if a hospital bill comes for Rs 5 lakh, then the deductible limit will be crossed in a single hospitalization bill and the top-up plan will be triggered.

      How to Select a Top-Up Health Insurance Plan?

      Keep the following points in mind while selecting a top-up health insurance plan:

      • Opt for higher deductibles if you are looking for an affordable plan. 
      • Don’t buy an expensive plan to cover exclusions, like daily cash allowance and dental cover as they may be covered by your regular health insurance policy.
      • Do not forget to check the waiting period for pre-existing health conditions, named illnesses, maternity cover, critical illness cover, etc.
      • Do check if the plan also offers coverage to your family members, including parents, spouse, and children.

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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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