Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

Why Is Top-Up Health Insurance Plan Important?

Published On Jan 04, 2022

Medical expenses are rapidly increasing. There have been occasions when the expense of healthcare has risen faster than the general rate of inflation. Lifestyle illnesses, lack of physical activity, insufficient sleep, growing stress levels, and other factors are all contributing to this increase. As the prevalence of lifestyle illnesses rises, more individuals are being admitted to hospitals on a regular basis.

As a result, having a comprehensive health insurance plan is essential to combat the ever-increasing healthcare costs. This is where health insurance plans come in, providing us with peace of mind and allowing us to carry on with our lives without fear of an unexpected event. While health insurance plans provide protection, they can be costly, with premiums running into the thousands of dollars. Adding new benefits to a current health insurance policy would result in increased costs, but there is a clever method to gain extra coverage without emptying your wallet. To know more about health insurance plans, read on.

Why Is Top-Up Health Insurance Plan Important?

Importance Of Top-Up Plans In Health Insurance

Health insurance plans in India have gained tremendous impetus in the past few years. With the advancements in medical science, there has been a steady rise in the cost of medical treatment. Medical expenses are likely to rise, putting a strain on your savings and financial assets. However, it is sometimes observed that a single health insurance plan is insufficient, particularly in the case of a family floater, where the sum insured is shared by four members. In such cases, it's critical to either get two insurance or boost the amount covered. Health insurance firms have begun to provide top ups to supplement the basic policy in order to increase the sum covered or overall cover value.

Top-up health insurance policies are obviously designed to provide you with additional coverage in the event that your current policy becomes exhausted or insufficient for medical care. In a nutshell, a health insurance top-up plan is intended to supplement your current coverage; nevertheless, HDFC ERGO provides me with the following benefits: MEDISURE SUPPLEMENT PLAN, which can be used as a stand-alone plan if the aggregate deductibles are satisfied. Most significantly, top-up plans may be obtained at a low cost without sacrificing anything. It's like the cherry on top of the pie, and it costs a little extra.

Why Do We Need Top-Up Plans In Health Insurance?

If you work in a structured business sector, your health insurance requirements may be covered by a health plan supplied by your company. This plan may also provide coverage for your family. Have you ever considered what would happen if you were to leave from this position or retire? It's vital to remember that employer-provided health insurance only lasts as long as you're employed by the company. When you retire from the military, your insurance coverage ends as well. In this instance, you are underinsured, and a large payment will have to be paid out of pocket in the event of a medical emergency. Furthermore, even if you have health insurance, there is no assurance that the sum insured will be sufficient to cover all of your medical expenses.As a result, purchasing additional health insurance is an excellent way to ensure that you are covered in the event of a medical emergency.

When your existing health insurance plan falls short or your sum insured is insufficient to cover your medical bills, a top-up cover for your existing health insurance plan provides you with additional coverage. Following are some benefits of having top-up plans in health insurance -

  1. A top-up plan is less expensive than purchasing a separate health plan to expand your coverage.
  2. It allows you to choose your own deductible limit.
  3. A top-up plan is simple to obtain. You can purchase a top-up plan from your current health insurance provider or from other health insurers without any limits or inconvenience.
  4. Your family floater or individual health plan can be supplemented with a top-up plan.
  5. Section 80D of the Income Tax Act of 1961 allows you to get tax benefits.


Top-up plans are the best supplementary alternative since they offer the best of both worlds: a cheap premium and a bigger sum covered. It's a godsend for older individuals, who are at an age when their chances of becoming sick are much higher and their medical costs are likely to climb. Even if you have health insurance through your employer, you may want to consider a separate top-up plan to supplement the basic coverage. As a result, a top-up plan is ideal for anyone looking for a higher sum insured at a reasonable price.

Do read - Get Medical Insurance for Parents & Know its Benefits

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.

Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

Age of eldest insured member ?

Where do you live ?

Disclaimer : Actual Coverage might vary basis your location, age and number of members
Must BuyMust Buy

Why to Buy Health Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 75,000*
  • Claim support everyday 10AM-7PM
  • 50 Lacs+ happy customers