Close Menu
ZidduZiddu
  • News
  • Technology
  • Business
  • Entertainment
  • Science / Health
Facebook X (Twitter) Instagram
  • Contact Us
  • Write For Us
  • About Us
  • Privacy Policy
  • Terms of Service
Facebook X (Twitter) Instagram
ZidduZiddu
Subscribe
  • News
  • Technology
  • Business
  • Entertainment
  • Science / Health
ZidduZiddu
Ziddu » News » Science / Health » Know When to Load Your Health Insurance Cover with a Top Up
Science / Health

Know When to Load Your Health Insurance Cover with a Top Up

John NorwoodBy John NorwoodJanuary 21, 20223 Mins Read
Facebook Twitter Pinterest LinkedIn Tumblr Email
Know When to Load Your Health Insurance Cover with a Top Up
Share
Facebook Twitter LinkedIn Pinterest Email

Health insurance is an essential requirement as it serves as a financial cushion for all those unexpected medical emergencies. Soaring cost of healthcare makes it difficult to fund hospitalisations from your hard-earned savings and that’s when a health insurance policy comes to the rescue.

When it comes to selecting a suitable health insurance cover, it might be confusing with the myriad insurance plans that are available. In addition, selecting a policy requires planning for the future as the sum insured must not only cover the present-day treatment expenses, but also after the rise in such costs. Hence, a policy that is future-proof in terms of the sum insured is essential.

But what if you have already bought a health insurance policy? Should you buy a fresh insurance policy? No. A nifty solution at such time is to buy a top-up health insurance cover.

What is a Top-up Health Insurance?

A top up health insurance can either be purchased as an add-on or bought as a standalone health insurance cover. Such top-up cover has a deductible component and comes into force only when such deductible is paid by the insured. The deductible in such top-up cover is a pre-decided amount which you are required to pay. Only after such amount is paid, the top-up plan kicks in. Since top-up plan have a high deductible amount, it is best combined with a base health insurance policy. Let us understand this with an example.

Anjali has a base medical insurance plan with a sum assured of ₹8 lakhs covering her entire family. Since the treatment costs are skyrocketing, Anjali decides to purchase a top-up plan to enhance the coverage. When buying a top-up plan, she must ensure the deductible of such top-up plan is set at ₹8 lakhs as the top-up plan will offer coverage right where the base policy coverage ends. If not managed well, gaps in between the two plans can require Anjali to pay such amount from her pocket.

Hence, when buying a top-up policy, make sure to choose a policy whose deductible is the equal to the sum insured of your base health insurance plan. * Standard T&C Apply

Some Noteworthy Benefits of a Top-up Health Insurance Policy

  • As discussed in the above example, a top-up policy can be useful especially when combined with a base health insurance policy. This way, you can get a higher sum assured for not so much bump in the premium that you need to shell out.
  • Top-up plans can not only be used in combination with a base policy, but also can be purchased as standalone cover. Some individuals can manage medical expenses up to a certain limit and hence coverage is required only above that specified amount. A top-up plan with a deductible is handy in such scenarios.
  • Since top-up plans have a substantial deductible component, the premiums are affordable when compared to a standard health insurance policy with such high amount of sum insured.

* Standard T&C Apply

To combat the rising treatment costs and stay on top of your insurance coverage, a top-up cover is a handy solution. When buying a top-up policy, make sure to use a health insurance premium calculator to know how it impacts on your overall insurance budget. Thus, at any time you wish to enhance the coverage of your policy, purchase a top-up cover and enjoy the added benefits. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.

Share. Facebook Twitter Pinterest LinkedIn Tumblr Email
Previous ArticleUnderstand What is Endorsement in Your Car Insurance Policy?
Next Article 5 Types of Bouncy Castles You’ll Get in a Bouncy Hire Company
John Norwood

    John Norwood is best known as a technology journalist, currently at Ziddu where he focuses on tech startups, companies, and products.

    Related Posts

    Crowns and Bridges Guide: Tips & Answers

    September 18, 2025

    Croatian State Matura – Mathematics

    September 17, 2025

    Nutritional Needs for Your Next Hike with Alexander Apostolopoulos

    September 10, 2025
    • Facebook
    • Twitter
    • Instagram
    • YouTube
    Follow on Google News
    Crowns and Bridges Guide: Tips & Answers
    September 18, 2025
    Croatian State Matura – Mathematics
    September 17, 2025
    How Intranet Software Empowers Remote Teams to Stay Connected and Productive
    September 17, 2025
    Tips for Gifting Tech to Children Who Aren’t Your Kids
    September 16, 2025
    Guru by craft.io: what it does and why it can be your greatest ally in analyzing your data effectively
    September 16, 2025
    The Importance of Google Review Removal for Modern Businesses
    September 16, 2025
    5 Critical Components of Smart Property Investment Strategies in Singapore
    September 15, 2025
    Why a Dishwasher is a Must-Have in A Modern Condo
    September 13, 2025
    Ziddu
    Facebook X (Twitter) Instagram Pinterest Vimeo YouTube
    • Contact Us
    • Write For Us
    • About Us
    • Privacy Policy
    • Terms of Service
    Ziddu © 2025

    Type above and press Enter to search. Press Esc to cancel.