How Can You Enhance Your Health Insurance Coverage?

There has been an increasing awareness about lifestyle ailments affecting people at large. With that in mind, more and more people are preferring to opt for health insurance plans. A health insurance policy helps to mitigate the impact of financial blow of a medical treatment that otherwise would derail your finances to leading to a debt-trap.

Health Insurance Coverage

At present there are varied insurance plans that can be purchased. Starting with a standard health policy where basic coverage for hospitalisation is available. Then there are plans that cover specific ailments which are often fatal if not treated. These plans are known as critical illness insurance covers. Apart from that, health insurance plans for family can be purchased where a single coverage is available for all beneficiaries. Also plans that specifically deal with ailments for senior citizens are available. With so many different plans that can be purchased, selecting a policy requires understanding of you need and then buying one accordingly.

But when buying it is difficult to estimate the medical inflation levels and it might happen that your policy coverage may soon prove to be insufficient. For such times, you may need to enhance your coverage as time passes by with the help of additional coverages. Top-up and super top-up are two ways your policy coverage can be enhanced.

What is top-up cover?

Top-up plans can be purchased in combination with your base policy to extend the sum insured available. These plans are also knowns as catastrophe plans since they only come into picture after a certain threshold is crossed. This threshold is known as the deductible of your top-up plan. Compared to looking for new health insurance plans all over again, it is advisable to make use of these top-up covers to seek additional coverage. Since these policies have deductibles, a smart move is to purchase a top-up cover with the amount of deductible equivalent to your base health insurance policy.

Let’s understand this with an example:

Mr Ramesh buys a health insurance policy of ₹6 lakh 10 years ago. At present he feels this coverage is insufficient considering his health. So, he buys a top-up cover for ₹15 lakhs with a deductible of ₹6 lakhs. Now any instance of hospitalisation where the medical bill exceeds the base coverage is taken care by the top-up policy and he need not worry about paying those expenses from his own pocket.

What are super top-up plans?

Super top-up plans are similar to top-up policies where they kick in after the deductible is paid by you. These policies are also recommended to be combined with a base insurance plan so that both, the base policy as well as super top-up in combination take care of the treatment costs.

The only difference between a super top-up and top-up policy is that supe top-up plans are available for multiple cases of hospitalisation unlike a top-up cover which can be used for a single instance only. Had Mr Ramesh in the above example required multiple treatments during the same policy tenure, a super top-up policy would come handy as the coverage extends to more than one instance of treatments.

With this facility to purchase top-up plans, you can stay worry free knowing you need that extra coverage for the health insurance for senior citizens, or your individual policy to keep up with the rising treatment costs. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.


Writer. Extreme twitter advocate. Hipster-friendly food expert. Internet aficionado. Earned praised for my work analyzing Yugos for the government. Spent 2002-2008 short selling glucose with no outside help. Spent several months developing strategies for xylophones in Ocean City, NJ. What gets me going now is supervising the production of cod in Cuba. Spoke at an international conference about supervising the production of inflatable dolls in Hanford, CA. Spent two years short selling cabbage in Tampa, FL.