Health emergencies can arise at any time in life. In such a situation, it is important to take health insurance to keep yourself safe. Sometimes all medical expenses are not covered by the existing health insurance. In such a situation, you may need a top-up in your insurance policy. Let us know what things you should keep in mind while taking a top-up for your health policy.

What is health insurance top-up?

A health insurance top-up plan is an additional cover, which gives you protection in addition to the coverage of your existing health policy. That is, with its help, you can increase the coverage in your policy.

Keep in mind the deductible clause.

A deductible is the amount that the policyholder has to pay from his pocket before the policy, only then the top-up plan becomes effective. It is important to ensure that the deductible amount is equal to the sum insured of your base policy so that there is no gap in the cover. Let us tell you that whenever you make an insurance claim, you will have to take care of this deductible.

Coverage options
It is important to check the medical expenses covered under the plan, such as hospitalization, critical illnesses, daycare expenses, and pre-post-hospitalization expenses. Some plans even offer maternity benefits. At times, alternative treatments like Ayurveda or homeopathy may also be included.

Super top-up plan
Unlike a normal top-up plan, the deductible in a super top-up plan is not different for all claims you make in a year. That is, if your deductible is Rs 2 lakh and you pay it in the first claim, then you will not have to pay the deductible again if you have another claim in the same year. This is beneficial for those who have to make claims very frequently.

Do check network hospitals
Make sure that the insurance company you are taking insurance from has a long list of network hospitals. You can get cashless treatment in a network hospital. Otherwise, if you get treatment in any other hospital, you will have to pay all the money yourself first and then get it reimbursed later. Do check the network list of hospitals near you, so that you do not face any problems later.

Compare premiums and plans.

While taking top-up, also compare the premiums of different insurance companies. Also, check what benefits are available in different companies. Do not make any decision without comparing the premiums and plans.

Disclaimer: This content has been sourced and edited from ZEE Business Hindi. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.