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Top-Up Health Insurance
Get extra protection and increase sum insured with top-up cover
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Age: 18-70 yrs
Age: 3 month-24 yrs
What Is Top-Up Health Insurance?
A top-up health insurance plan adds extra coverage on top of your existing health insurance, kicking in once your medical bills cross a deductible. It’s the most affordable way to increase your health cover without paying high premiums. It helps you afford high medical costs without paying high premiums.
How Does Top-Up Health Insurance Work?
Top-up health insurance activates after your medical bills cross a deductible either paid by you or your base policy. Once the threshold is reached, the top-up covers remaining costs, giving you higher coverage at much lower premiums than standard health plans.
Adds extra protection
It boosts your existing health cover by paying large medical bills beyond your base plan limit.
Activates after deductible
The plan starts once your hospital bill crosses a fixed deductible amount.
Covers major expenses
It pays the remaining eligible hospital costs up to your chosen sum insured.
Saves premium cost
Top-ups are cheaper than upgrading your base policy for the same total cover.
Works with any insurer
You can pair it with your corporate or personal health plan for seamless protection.
Get Care Super Top Up ₹1 Crore Health Insurance Cover @₹1/day
A top-up health insurance plan adds extra coverage on top of your existing health insurance, kicking in once your medical bills cross a deductible. It’s the most affordable way to increase your health cover without paying high premiums.
Why Should You Buy a Top-Up Health Insurance Plan?
Affordable higher coverage
Pay lower premiums compared to buying a big base health insurance plan.
Protect against rising medical inflation
Hospital bills in metros can cross ₹10–15 lakhs.
Top-Up for Ageing Parents
Older parents often face frequent hospitalizations, and a small base cover may not be enough to manage rising medical costs.
Covers beyond your existing plan
Especially if employer-provided cover is small.
Flexibility
Choose your deductible and sum insured based on your needs.
Example
A top-up plan covers medical bills beyond your base policy limit. At 40, with only a ₹5 lakh employer cover, a ₹9 lakh surgery meant paying ₹4 lakh from savings. By adding a ₹20 lakh top-up with a ₹5 lakh deductible for just ~₹4,000 yearly, expenses above ₹5 lakh are now fully covered
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Plans starting for 1 Cr at 1 Re/month
Who Should Buy Top-Up Health Insurance?
Families in metros
Pay lower premiums compared to buying a big base health insurance plan
Middle-aged professionals
Most rely on employer-provided covers of just ₹3–5 lakh. A top-up gives peace of mind when those limits aren’t enough
Senior citizens
If they already hold a base plan, adding a top-up is a cost-effective way to secure higher coverage despite rising risk
People with lifestyle risks
Conditions like diabetes or hypertension may need costly treatment. After the waiting period, top-up cover becomes a strong safety net
Persona | Why They Need It | Benefit of a Top-Up Plan | Approx. Annual Premium |
|---|---|---|---|
Working Professionals | Limited employer health cover (₹3-5 lakh) | Extra ₹10-20 lakh protection that stays valid even if you change jobs | ₹1,000 - ₹2,500 |
Families | Rising medical costs for children and parents | Boosts family cover affordably, ideal for multiple hospitalizations | ₹2,000 -₹4,000 |
Senior Citizens / Parents | Base plan premiums get costly with age | Cost-effective way to raise cover for major illnesses | ₹4,000 -₹8,000 |
Self-Employed / Business Owners | No employer cover; irregular income | Builds affordable layered protection for large medical bills | ₹2,500 - ₹5,000 |
Frequent Travelers/NRIs | Need local backup for India treatments | Provides large India-based coverage at a lower cost | ₹3,000 - ₹6,000 |
Insurance benefits, features, and eligibility are subject to insurer terms, IRDAI regulations, and policy documents. Please read all details carefully before purchasing
Takeaway
Top-ups suit anyone who wants affordable extra cover against unexpected large bills
Top up Policy Eligibility Criteria
Individual Minimum Entry Age
Adults can buy a top-up plan starting at 18 years of age. Dependent children are usually eligible from 5 years up to 24 years, as long as they are financially dependent.
Family Floater Minimum Entry Age
In a family floater plan, adults can be covered from 18 years and above. Dependent children can be included right from 1 day old up to 24 years, provided at least one insured adult is 18 years or older.
Age of the Proposer
Minimum 18 years or above
Top-Up vs Base Health Insurance
Feature | Top-Up Health Insurance | Base Health Insurance |
|---|---|---|
Purpose | Extends coverage once bills cross a fixed deductible | Provides core coverage for hospitalization and medical expenses from day one |
Premium | Lower - e.g., ~₹2,000-₹5,000/year for ₹20 lakh cover with 75 lakh deductible | Higher - e.g., ~₹18,000-₹25,000/year for ₹20 lakh base cover |
Coverage Limit | Activates after deductible is met; covers additional expenses | Pays up to the sum insured directly |
Best For | People wanting extra coverage at affordable cost | Essential protection for everyone |
Insurance benefits, features, and eligibility are subject to insurer terms, IRDAI regulations, and policy documents. Please read all details carefully before purchasing
Apollo 24|7 Advisor Tip
Pick a deductible that matches your base policy. For instance, if your base cover is ₹5 lakh, choose a ₹5 lakh deductible in your super top-up. This helps your main plan handle smaller claims while the top-up steps in for bigger bills, keeping your protection smooth and affordable.
What to Know Before Buying a Top-Up Health Plan
Top Up Health Insurance Summary
Quick recap of everything you need to know about Top-Up and Super Top-Up Health Insurance.
Step 1
Pay hospital bills upfront
Step 2
Pay hospital bills upfront. Pay hospital bills upfront
Step 3
Our claim team reviews and may request clarifications
Step 4
Once verified, you’ll receive an approval letter
Step 5
Approved expenses are reimbursed directly, subject to policy terms and conditions
Takeaway
Cashless claims are convenient if you choose a network hospital, while reimbursement ensures you’re covered even in non-network hospitals
Top 3 Concerns about Buying & Using Top Up Health Insurance
Buying a top-up or super top-up plan is a smart move, but it’s normal to have questions about how it actually works. Here are the most common doubts people have.
Note
Insurance benefits, features, and exclusions are subject to insurer terms, IRDAI regulations, and individual policy documents. Always read the brochure and policy wording carefully before purchasing
FAQs
Is top-up insurance the same as a new base health policy?
Can I buy top-up insurance without a base plan?
Is the premium for a top-up plan eligible for tax benefits?
Does top-up insurance cover pre-existing diseases?
Why not just increase my base cover instead of buying a top-up?
Can I buy a top-up policy from a different insurer than my base plan?
Get Expert Help, Receive a Callback
Quick Links
- What Is Top-Up Health Insurance?
- How Does Top-Up Health Insurance Work?
- Why Should You Buy a Top-Up Health Insurance Plan?
- Who Should Buy Top-Up Health Insurance?
- Top up Policy Eligibility Criteria
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