Home / Health / Top Up Plans under India Health insurance

Top Up Plans under India Health insurance

Compare Top Up Health insurance quotes

Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Start date
End date
* Get insurance updates

What is Top Up Health Insurance Plan?

A typical Top Up Health Insurance plan is an additional coverage at a moderate cost for an individual who is already covered under an existing Health Insurance policy. Hence there is an enhancement in the coverage for the insured. Unlike normal individual health insurance policies, top-up plans come with a high deductible or threshold limit. The insured is given the choice of selecting the deductible limit at time of purchasing the policy, which is the amount up to which your existing policy can cover the hospitalisation expenses. A top-up health insurance plan covers hospitalisation costs beyond the specified limit.
Top up insurance

Importance of India Mediclaim Top up insurance plans

Usually, people underestimate the importance of a health coverage with high sum insureds and believe that such situations will not arise or they can handle such a one off expense. The argument that one can handle any large unforeseen or prolonged medical eventuality may not be true in all cases. Most health insurance policies may be sufficient to pay for small /routine illnesses requiring hospitalisation and even if there is a critical illness, but there is always a chance one would fall short financially in case of a bigger medical emergency and need to bear these expenses from their savings.

Additionally if the insured is depending on the coverage provided by their employer, he/she must not to forget that the employer's health cover will cease to exist once you leave or retire from the organisation. This is exactly where 'top-up' plans come in. They not only cost less but provide high coverage too.

How do top-up plans work?

Top-up plans work on a the approach that medical expenses up to the deductible limit have to be borne by the policyholder either through another basic insurance policy or from their pocket. The insurance company takes charge of medical cost only if the expenses cross the deductible limit which has been opted for by the insured. The top-up plan will pay for expenses incurred above that limit.

These Plans are ideal for those in the senior citizen category, when the probability of falling ill is high and medical expenses are bound to increase but the insured doesn’t want to end up buying a base policy with a very high sum insured given that the premium payable will be very high. It is also very suitable for those who are covered under employer's health insurance policy, they can buy a top-up plan for higher protection.

Compare Indian health insurance policies

Compare mediclaim insurance and buy the best medical insurance in India
Compare health insurance
Find the best Health insurance
Health Insurance Priority

Types of Top-up plans Top-up plans can be differentiated into two categories:

First, is the Regular or Simple Top Up Plan. In this plan, the deductible is applicable on each hospitalisation. For instance, if a person has a base cover of Rs 5 lacs and a top-up cover of Rs 10 lacs, he would ideally set Rs 5 lacs as the deductible limit as that can be paid from the basic health insurance policy. If he gets hospitalised with a bill of Rs 7 lacs, initial expenses up to rs 5 lacs will be paid by basic policy and remaining Rs 2 lacs will be paid by top-up policy. In case, he does not have a base policy, he would have to bear the Rs 5 lacs bill from his pocket and top-up policy will cover amount of Rs 2 lacs beyond that.

The second type of top-up plans is 'Super Top Up plan' where the deductible limit applies to total incurred medical expenses incurred during the policy period. For instance, if a policyholder with base coverage of Rs 5 lacs and a top-up cover of Rs 10 lacs, with the deductible set to ₹5 lacs and the insured is unfortunately hospitalised twice, with bills amounting to Rs 4 lacs for the first time and Rs 3 lacs for the second, the super top-up policy will get triggered during second hospitalisation as the total expenses Rs 7 lacs cross the deductible of Rs 5 lacs. The policy will indemnify the claim upto Rs 2 lacs, which is the amount exceeding deductible. Expenses up to deductible limit will be settled with an existing policy or by the policyholder. If the insured had a Regular Top Up policy, he would be unable to make a claim for either hospitalisation since the deductible is applicable for each hospitalisation.

How to choose a Top-up plan?

It is a fairly straightforward calculation that higher the deductible opted for by the insured, lower would be the premium payable for the Top Up coverage. It is important to note that the deductible limit opted for should be equal to or higher than the existing policy Sum insured limit. This amount should not be more than what you (or your basic health policy) can comfortably pay in case of an emergency.

India Health Insurance companies offering Top-up Health insurance

  • Star Health Travel Insurance Plans
  • Max Bupa Insurance Plans
  • Religare Insurance Plans
  • travel insurance tata aig
  • travel insurance bajaj allianz
  • oriental health insurance
  • New India health insurance plans

Top Up plans

  • Available for 18 years to 65 years of age
  • Children can be covered from 91 days to 25 yrs. Children can be covered only along with parents.
  • It also offers optional coverage for personal accident and critical illness from which the customers can choose from.
  • It's a top-up insurance for alreday insured from any company. Buy this policy for higher coverage at lesser premiums.
  • MediPlus is a top up health insurance plan to enhance your current health insurance with a higher total coverage at an affordable premium.
  • This is an ideal plan for individuals already having an individual or group health insurance plan provided by the individual’s employer.
  • Available as indidivial or family health insurance up to 6 members in the family.
  • Floater Policy with the single premium for the family

Get quotes for India health insurance!

Review and compare the best mediclaim insurance.
Compare health insurance quotes
Find the best Indian health insurance

India health insurance blogs and articles

health insurance India
Tips for buying best mediclaim insurance

India health insurance tips and tricks to choose the best medical insurance in India Click here to read more

Top reasons for health insurance claims rejection

Find out the different reasons why a medical insurance claim is rejected, Cashless hospitalization, Reimbursement. Click here to read more

India health insurance coverage, factors and premium calculator

Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more

India health insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

Know more »

Health insurance benefits

Insurance customers can quickly compare the details of benefits offered under Indian mediclaim insurance policies.

Know more »

Compare health plans

Compare Indian health insurance policies, Health insurance India comparison

Know more »


Portability Information for Mediclaim Insurance in India

Know more »

India health insurance Blogs

Health Insurance Blogs - Information on health or medical insurance coverage in India.

Know more »

Health insurance FAQ

FAQ related to Indian health insurance. Get answers for any health insurance questions

Know more »

EIndia General Insurance Partners

  • Tata Aig
  • bajaj-allianz
  • reliance
  • cholamandalam
  • religare health Insurance
  • hdfc ergo health
  • Star Health
  • niva bupa
  • future generali
  • go digit
  • hdfc ergo
  • cigna ttk
  • universal sompo
  • SBI
  • iffco tokio
  • Cigna TTK
  • Aditya Birla
  • Raheja QBE
  • New India Logo
  • Oriental Logo
  • bharti axa health Insurance Plans
  • kotak

Indian Health Insurance Resources

CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025