Health Top-Up
Enhanced medical coverage that activates after a chosen deductible. High sum insured at lower premiums for hospitalization and day-care.
Health Top Up
Health Top-Up features enhanced medical coverage that activates after a chosen deductible/excess, making it a cost-effective way to increase your overall sum insured above your base health plan.
What They Provide
High sum insured at lower premiums
Get a higher total cover without proportionally higher premiums, making top-up a cost-effective choice.
Deductible options
Choose a deductible or excess that suits your base plan and budget; coverage activates after that threshold.
Covers hospitalization & day-care
Coverage for in-patient hospitalization and day-care procedures as per policy terms.
Covers pre-existing diseases
Cover for pre-existing diseases after completion of the applicable waiting period.
Boosts group or individual plans
Works on top of your existing group or individual health policy to increase overall sum insured.
How It Benefits You
These plans benefit you with greater financial protection against catastrophic health expenses, flexibility in choosing coverage levels, and efficient use of insurance spend — ideal for individuals and families seeking enhanced risk cover without high base policy premiums.
Your Questions,
Answered
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What is Health Top-Up Insurance?
Health top-up insurance is a policy that offers additional medical coverage once a specified limit, known as the deductible, is exceeded.
How does a top-up policy function?
The policy comes into effect only when your medical expenses go beyond the chosen deductible. After this threshold, the insurer covers the eligible costs.
What does the term 'deductible' mean?
A deductible is the fixed amount that must be paid by you or covered under an existing policy before the top-up cover becomes applicable.
How is a top-up plan different from a super top-up plan?
A top-up plan applies the deductible to each individual claim, while a super top-up plan considers the total medical expenses accumulated during the policy year.
Who should opt for a health top-up plan?
This plan is suitable for individuals who already have a base health policy and wish to enhance their coverage at a relatively lower cost.
Is it possible to buy a top-up plan without a base policy?
Yes, a top-up policy can be purchased independently; however, the deductible amount must be borne by the insured.
What expenses are typically covered under this policy?
Coverage usually includes hospitalization costs, pre- and post-hospitalization expenses, and daycare treatments, similar to a standard health insurance policy.
Are pre-existing conditions covered?
Yes, pre-existing illnesses are covered after completion of the applicable waiting period, as defined in the policy.
What factors influence the premium of a top-up plan?
Premium is determined based on age, health condition, sum insured, deductible amount, and chosen coverage options.
What documents are required to file a claim?
You generally need to submit the policy document, hospital bills, discharge summary, medical reports, and a duly filled claim form.