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Buy Top-up or Critical Illness Cover to Supplement Health Insurance

Updated On Nov 26, 2020

Health insurance is one of the best ways by which one can make their financial future secure. When you have a health insurance policy to cope with the medical expenses that arise out of an unexpected medical emergency, you are free from stress of any kind. But, what if you find that your existing health insurance policy is not enough to bear all the expenses of your medical requirements? Well, in a case like this, it’s always better to choose a top-up plan or buy a critical illness insurance policy so that extended coverage can be enjoyed. 

How Top up Plan Supplements Health Insurance? 

At first, a top up plan is the health insurance policy that comes into action over and above an existing base health insurance plan. An additional coverage, top up plan pays for the hospitalization costs after the deductible limit has been crossed. Remember that top up plans work on the basis of cost-sharing, where medical expenses up to the deductible limit are borne by the policyholder. 

A cost-effective way to increase a health insurance cover, top up plans offer multiple advantages including: 

  • Fighting high medical treatment costs
  • Providing extended coverage at an affordable premium cost
  • Providing cover against pre-existing conditions
  • Tax benefits under the Section 80D of the Income Tax Act, 1961

You may also like to read: Top Up & Super Top Up Policies: A Fine Backup to Your Health Insurance

How Critical Illness Insurance Supplements Health Insurance? 

First and foremost, learn that critical illness insurance is a health insurance product that offers additional coverage for medical emergencies such as heart attack, cancer, stroke and others. A critical illness policy supplements an existing health cover by providing a lump sum amount for coverage when the traditional health insurance falls short. 

Offering coverage for serious and long-term illnesses requiring an expensive medical treatment, critical illness insurance policies possess numerous benefits including: 

You May be Interested in Reading: Health Insurance and Critical Illness Insurance - Why both necessary?

At Last 

If you too have been concerned about your existing health insurance cover being insufficient, know that you can easily choose a top up plan or a critical illness cover. As far as paying extra premium for the two is concerned, remember the premium you pay for both, top up or critical illness insurance would be worth it. So, go ahead and make a wise choice in the form of a top up plan or critical illness insurance and save yourself from the constant worry of insufficient cover or bearing high medical bills at the last moment. 

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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