Best Top Up Health Insurance Plans In The Market

Health insurance policies can be insufficient in meeting the requirements of the senior citizens or policyholders suffering from critical disorders. The features and benefits of a standard health insurance policy are limited and the sum assured under this plan is also specified according to the plan. Therefore, to meet the medical dues of the treatments that exceed the deductible limit of the base health insurance plan, the health insurance providers have rolled out top up health insurance plans.

Top up health insurance plans compensate for a single medical claim made by the policyholder after the exhaustion of the sum assured of the base health insurance plan. It comes into force after the expenses exceed the threshold limit set under the policy cover. This plan comes with a wide coverage and is affordable for different groups of people in the society. There are several health insurance providers that offer exclusive and comprehensive top up plans, therefore you can compare and choose the one that meets your requirements.

Best Top Up Health Insurance Plans

Following are some of the commonly bought top up health insurance in the market:

1. New India Top Up Mediclaim Policy

This top up health insurance plan can cover individuals between the age 3 months to 65 years with an assured sum of money ranging from Rs. 5 Lakhs to Rs. 22 Lakhs. There are different options for deductible limits that are available under this plan and it can include up to 6 members of your family under a single plan. This plan can be bought on an individual or family floater basis. It provides benefits like AYUSH treatments, lifetime renewability option, ambulance charges, wellness benefits, etc.

Must Read: Top Up health Insurance and Mediclaim Policy Cover

2. ManipalCigna Pro Health Policy

This top up plan comes with no maximum entry age, as anyone above the age of 3 months can buy this policy. It covers the expenses like day care procedures, healthcare checkups, expert opinions in case of critical disorders, etc. With a guaranteed sum of money ranging up to Rs. 1 Crores and a deductible limit of up to Rs. 10 Lakhs, this plan provides complete protection to the policyholders. It also includes standard expenses like pre and post hospitalization expenses, room rents, in- patient costs, etc.

3. Max Bupa Health Companion Policy

With no maximum age limit, this policy can be bought for anyone aged 91 days. It comes with an assured sum of amount ranging from Rs. 2 Lakhs to Rs. 1 Crore and deductible limit ranging from Rs. 1 Lakhs to Rs. 10 Lakhs. This top up plan covers expenses like pre and post hospitalization expenses, domiciliary expenses, in-patient costs, etc.

4. United Top-Up Medicare

This is one of the commonly bought top up health insurance plans in the market and it can be bought for a person aged between 3 months to 80 years. The guaranteed sum of money under this plan is Rs. 3 Lakhs to Rs. 15 Lakhs and can be bought for an individual or a family. Some of the common features of this plan include specialists fees, pre and post hospitalization, in-patient costs, domiciliary expenses, room rents, ambulance charges, etc.

5. Bajaj Allianz Extra Care Policy

Anyone between the age of 3 months and 70 years can be insured under this health insurance cover. This is an exclusive top up plan for families with an assured sum of amount starting from Rs. 10 Lakhs. Some of the basic expenses included under this plan are ambulance expenses, pre and post hospitalization costs, lifetime renewability of services, etc. the deductible limit is specified under the cover based on the other factors.

Conclusion

The above mentioned top up health insurance covers are some of the best ones in the insurance market. However, there are several other top up plans in the insurance market which can be compared and analyzed based on your choices. Always make sure to go through the policy related documents carefully to understand the inclusions and exclusions of your policy.

Also Read: Top Up vs Super Top Up Health Insurance Policy

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.