What is a top up health insurance policy?

What is the benefit of a top up plan in health insurance?

To expand the sum insured or total cover value, health insurance companies have started offering top ups to support the base policy. Top up for health insurance plans, are clearly designed with an idea to give you additional cover in case your existing policy gets exhausted or proves insufficient for medical treatment.

How does insurance top up work?

Basically, the amount of deductibles need to be paid by you and the remaining amount i.e. the excess is paid by the insurer up to the sum insured limit. Let say your base health insurance policy is Rs 10 lakh and you buy a Super top-up of Rs 5 lakh on top of the base amount.

What is the difference between top up and special recharge?

It can be refilled once the existing top up account replenishes. On the other hand, special recharge is the special type of prepaid offers that are limited for certain period of time and gets replenished at the precise duration whether used or unused.

Which is the best top-up health insurance plans in India?

Super Top-up health Insurance plans in 2021

Super Top-up Plan Entry age
Aditya Birla Activ Assure + Super Health Top-up 5-65 years View Plan
Bajaj Allianz Extra Care Plus 91days-80 years View Plan
Care Enhance Super Top-up Health Plan 18years & above View Plan
Chola MS Super Top-up Plan 3-70 years View Plan
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How good is Max Bupa?

0.5 4.5/5 “Excellent!” From Max bupa I have group health mediclaim of Rs. 2 lakhs its covers my entire family like spouse and children. So far there is no claim but still this policy is good for the medical emergency which got tied up with more hospitals for cash less treatment, they do have critical illness cover.