Top Up Health Insurance

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  • Higher Coverage with cashless hospitalisation
  • Get quotes from top insurers such as ICICI Lombard, Bajaj Allianz, HDFC Ergo and many others
  • No limit on room rent, ICU charges and doctor's fee
  • 170+ day care treatments covered.
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Advantages of Top Up Health Insurance

Floater Benefit
Top up health insurance policy offers floater benefit to cover the insured and its dependents for the same sum insured under the single policy. This is relatively cost-effective as a group discount is available under the policy.
Restore Sum Insured
Top up health insurance plan offers restoration benefit means your sum insured will be reset up to 100% if it gets exhausted due to the treatment of any illness. Hence the basic sum insured will automatically get reinstated after claim.
Pre-existing Diseases Covered
Pre-existing diseases such as high blood pressure, type 2 diabetes, and chronic health problems are covered under the policy immediately after the 12 months of continuous coverage after the issuance of the first policy.
Cashless Claims
Health insurance top up plan offers you a cashless claim facility wherein insurer will pay the hospitalisation expenses directly to the hospital, hence offering you a financial cushioning in case of emergency.

Benefits of Top Up Health Insurance

Pre and Post-hospitalisation Covered

- Post hospitalisation expenses such as the regular visit to doctors, medication expenses, and follow-up examinations to be made is covered under the policy. These expenses are covered up to 60 days after hospitalisation. - The policy covers medical expense incurred before hospitalisation up to 30 days. - Medical expenses incurred by an insured during the domiciliary hospitalisation is also covered.

Wide Range of Coverage

- Apart from basic cover, this policy will pay for inpatient treatments, AYUSH treatment, expenses incurred by organ donor and domiciliary hospitalisation expenses. Cost of medicine is also covered up to the specified limits. - No capping on expenses like hospital room rents, doctor fees and other sub-limits in policy. - More than 170 day-care treatments conducted are also covered under the policy.

Lower Cost

- Top-up health insurance policy comes at a lower premium and at the same time offers higher sum insured. The price is low because of the certain deductible amount. This means that the claim above this amount will be paid by the insurance. - No pre-policy medical test is required up to the age of 55 years if there are no pre-existing ailments. - Tax deduction benefit is also available on the top-up health insurance premium.


Co-payment is the fixed part or percentage of claim amount which you have to pay from your own pocket before the insurer pays the remaining amount. Health insurance top up policies has co-pay clause for some expenses. Some insurers offer you with the options having lowest copayment rates. Also, the premium will be lower if you opt for the higher co-payment.
The deductible is the pre-defined amount, selected by you, which you will bear with your finances or regular health insurance plans during your medical treatment. If your medical treatment cost exceeds the deductible or threshold level, then the insurance company will pay for additional expenses over and above the deductible.
No, the medical test is not required before buying top up health insurance if your age is below 55 years. If your age is more than 55 years then you have to undergo medical screening before policy issuance. Also, it is important to disclose all the information if you have any pre-existing disease to prevent any hassle during a claim.
The common exclusions under top-up health insurance are self-inflicted injuries, abuse of intoxicant or drugs and alcohol, and mental disorder or insanity. Expenses incurred for treatment of AIDS, non-allopathic treatment and congenital diseases are also excluded from the policy. Pregnancy, dental and external treatment is also not covered under the insurance.
Top-up health insurance premium majorly depends upon the age of the insured. If you are buying floater option, then the age of the oldest member is considered while calculating the premium. Medical history is another important factor in determining the premium. Also, if you were having claim free years in past, then the insurance company may consider giving you some discount on premium.
Yes, the top up health insurance premium depends upon the deductible or threshold limit. More the deductible, lesser will be the premium and vice versa. This is because in top up insurance the claim is payable only if the claim amount exceeds the threshold limit. Hence when you choose a higher deductible, the risk of a claim is lesser thus it reduces the premium of the policy.
Generally, all the insurers provide the free look period of 15 days after buying the insurance to understand the terms and conditions of the policy. In case you wish to cancel the policy, the insurer will refund the premium after certain deductions. Such deductions include stamp duty, expenses of medical checkups if any and proportional risk premium. Also, in order to get a refund, you should not have filed any claim during this period.
Yes, you can avail the tax deduction benefit on the premium paid for top-up health insurance under section 80D of Income Tax Act, 1961. You can avail this benefit on the premium paid for you, spouse and dependent children. Even if you are paying the premium towards your parents' policy, you can avail tax benefit for yourself.
All the expenses over and above deductible amount are settled in top up health policy. For example, if you buy a top up health insurance with the deductible limit of Rs 2 Lakhs and you have undergone hospitalization which resulted in the total bill of Rs 3lakhs. Then the insurance will pay you 1 lakhs, which is over and above your deductible limit of 2 lakhs.
There are the certain common set of documents which are required by insurer while filing the top up health insurance claim. Such documents include duly filled claim form, medical prescription signed by hospital/doctor, investigation report, the final bill with the breakup, medical reports, original bills and discharge certificate from the hospital. Remember that submitting correct documents leads to a smooth claim settlement.
Insurance is a contract of utmost good faith. Declaring the correct health status at the time of buying health insurance ensures smooth processing of your application. This will also help you during claim settlement in future. If you will not disclose the information, then your claim may get rejected on the basis of non-disclosure.
Claims get denied if you hide any important medical information, such as pre-existing ailments, in order to save some premium. Hence you should make sure to disclose all the important information in the proposal form while buying the policy. Also, during filing claim, you should provide all the relevant document and information required by the insurer for the smooth claim settlement.
Health costs are rising at an unprecedented rate, and regular health insurance may not be sufficient sometimes to cover such expenses. Hence top up insurance is important where the insurance company will pay the expenses if it exceeds the threshold limit. Top up health insurance offers a high amount of sum insured at a very cheap premium hence supplementing your saving during treatment.
The major difference between basic individual health insurance and the top up plan is the coverage. Health insurance offers coverage in case of hospitalisation irrespective of any threshold limit. The top up plan comes into action when you want to enhance your health cover without paying a higher premium. It provides additional protection to people who have an existing individual health plan or mediclaim from their employer.
Top up health insurance covers hospitalisation expenses on per claim basis, that means the insurer will pay the claim amount if the hospitalisation expense of claim is over and above the deductible or threshold amount. Whereas, super top up health insurance will pay for aggregate hospitalisation expenses during the policy period, once the claim amount exceeds the threshold level.
AYUSH treatment means treatment taken under Ayurveda, Unani, Siddha and Homeopathy to help meet the challenge of health care. In top-up health insurance, AYUSH treatment is covered if undergone in a government hospital or in any institute recognised by the government or accredited by Quality Council of India.


What is the meaning of Health Insurance?

Health insurance gives you coverage against hefty medical expenses that may arise due to sickness and accidental injury. In most of the cases, health insurance is offered to people in the age group of 5 to 80 years. In some cases, children under five years are covered if their parents are also covered. Health insurance is a broad term...
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Which Type of Domiciliary Treatments are Not Covered By the Health Insurance Plans?

Domiciliary hospitalisation means treatment which is taken place at home and lasts for more than three days which in the normal course would require treatment at hospital or nursing home. The insurer would allow domiciliary treatment only if- The condition of the patient is such that he/she can’t be taken to the hospital or nursing house...
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What is the meaning of Health Insurance?

Health insurance gives you coverage against hefty medical expenses that may arise due to sickness and accidental injury. In most of the cases, health insurance is offered to people in the age group of 5 to 80 years. In some cases, children under five years are covered if their parents are also covered. Health insurance is a broad term which..
Read More

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