Top-up health insurance
Extra health cover that starts once your expenses cross a deductible you choose. It is a way to raise your total cover without paying the premium of a large base policy.
What it covers
Cover varies between insurers and plans. The policy wording is what decides whether a claim is payable, so read it before you buy.
- Hospitalisation expenses above the deductible you choose
- Pre-hospitalisation and post-hospitalisation expenses for the periods the policy allows
- Day-care procedures and intensive care treatment
- Ambulance charges up to the policy limit
- The same categories of treatment as a base health policy, on the top-up's own wording
Cover options
- A deductible you choose at purchase: [DEDUCTIBLE]. The top-up pays only above it
- Ordinary top-up: the deductible applies to each claim separately
- Super top-up: the deductible applies to the total of your claims in the policy year
- Can sit over your own base policy, over an employer's group cover, or over your savings
- Individual or floater basis, as the plan allows
- Its own waiting periods for pre-existing and named conditions: [WAITING PERIOD]
How to buy it
Four steps, with an advisor you can reach at any of them.
Tell us what to cover
Tell us the cover you already hold, who is to be insured, and the deductible you can absorb.
Compare plans
See premium, cover, exclusions and key terms from our partner insurers side by side.
Share details & KYC
Add the details the insurer needs and complete KYC with your PAN.
Get your policy
Pay online, the policy reaches your email, and your advisor stays with you at claim time.
Top-up health insurance: FAQs
What is the difference between a top-up and a super top-up?
On a top-up the deductible applies claim by claim. On a super top-up it applies to the total of your claims in the policy year, so several smaller hospitalisations can add up and cross it.
Do I need a base policy to buy a top-up?
No. A top-up can be bought on its own, but then you meet the deductible yourself. Most people hold it over a base policy or an employer's group cover.
How do I claim when I have both policies?
Claim on the base policy first. Once its cover is used, or the deductible is crossed, the top-up insurer settles the balance on the documents you provide. Tell both insurers at intimation so the paperwork lines up.
What deductible should I choose?
Usually an amount your base policy or savings can absorb. Available levels are [DEDUCTIBLE]; a higher deductible lowers the premium but raises what you must meet first.