Top Up Health Insurance – Buy Top Up Cashless Hospitalisation Plan
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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.

Frequently Asked Questions

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.

Insuropedia

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...
Read More

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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