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Top-Up Insurance
Top-Up Insurance is an additional health insurance plan that provides extra coverage beyond a certain limit (called the deductible). It works like a backup to your main health policy. For example, if you have a basic health plan of ₹3 lakhs and a top-up plan of ₹5 lakhs with a ₹3 lakh deductible, the top-up will pay only if your medical bills go beyond ₹3 lakhs.
Why is it Important?
Top-Up Insurance is useful when you want higher coverage without paying high premiums. Instead of buying a bigger base policy, you can keep your existing one and add a top-up to handle large or unexpected medical expenses. It gives peace of mind and financial protection during serious illnesses or surgeries while keeping your insurance costs low.
