A (often called a top-up plan ) is a cost-effective way to boost your existing insurance coverage by adding an extra layer of protection once your primary policy's limit is reached. How Buy-Up Plans Work
: Your primary insurance (e.g., an employer-provided plan) pays for the initial hospitalisation costs. buy up plan
: It is generally recommended to set your deductible equal to your base policy's sum insured to ensure there is no "gap" in coverage where you'd have to pay out of pocket. A (often called a top-up plan ) is
Before purchasing, review these factors to avoid coverage gaps: Before purchasing, review these factors to avoid coverage
: You can pay the deductible amount out of your pocket or through your base health policy. Standard Top-Up vs. Super Top-Up
: Many insurers do not require a pre-policy medical check-up, especially for younger applicants.
Understanding the difference between these two is critical for selecting the right coverage: Standard Top-Up Plan Super Top-Up Plan Triggered per single hospitalisation. Triggered by cumulative expenses in a year. Multiple Claims Deductible must be crossed for each new claim.