TOP-UP HEALTH PLAN
5 THINGS TO KNOW BEFORE YOU PURCHASE THE PLAN
Published By Livemint | 21 Mar, 2023
Top-up health plan
Top-up health plan provides additional coverage on top of your existing health insurance plan
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Coverage
It provides coverage once your existing health insurance plan's coverage limit is exhausted
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Here are 5 things to know about top-up health plan
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Waiting duration
Know that there is a waiting period for several pre-existing diseases during which you cannot make any claims
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Deductible sum
Check if you can afford the deductible sum if your base policy sum insured gets exhausted
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Co-payment clause
Be sure to check the policy's co-payment clause and make sure it aligns with your budget
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Network hospital
Verify if the affiliate network hospitals are same for your top-up plan
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Exclusion
Review policy exclusions and ensure they don't include medical treatments you may need in the future
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