How to Increase Health Insurance Coverage?


4 min read

Buying health insurance is a must for everyone these days as it offers protection against health emergencies. In this post, let us discuss how to increase the health insurance cover in case of inadequate coverage.  

The healthcare scenario these days is such that the costs of medical facilities are soaring high and at the same time there has been an increase in the number of diseases. Hence, you must avail a comprehensive health insurance plan to secure your health and to stay covered against different diseases. However, sometimes you may find that the coverage allowed under your health insurance plan is not adequate enough to cover all the aspects of healthcare that you are looking at. In such a case, you may seek to add more coverage under your plan. But, does your health insurance allow you to increase your health coverage? And how to increase health insurance coverage. Let’s find out!

How to Increase Coverage Under Health Insurance?

What’s Inside?

Well, we all know how important it is to have health insurance coverage. However, sometimes you may miss out on certain coverage under your health plan and seek to buy additional coverage. So, how do you do that?

If you feel that the coverage under your health insurance is insufficient, you may increase your health insurance coverage by the following ways:

1. Get the Sum Insured Enhanced at Renewal 

Renewal is the best time to increase the sum insured or coverage of your health insurance policy. Every health insurance policy needs to be renewed every year to get continued coverage of the plan. In fact, the option of enhancing coverage is offered by every health insurer to the policyholder during renewal. Hence, while renewing it the next time, just consider the aspects missing in your health insurance and add them.

2. Avail the Super Top-Up Plan

A super top-up plan can also be availed if you want to enhance your health insurance coverage. By availing this option, you can get coverage for healthcare facilities beyond the deductible limit. Further, the super top-up plan lets the policyholder enjoy overall enhanced coverage. It also supports the insured with tax deductions under section 80D of IT Act, 1961.

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3. Health insurance portability

This is another way of enhancing health coverage. Hence, if you are   not satisfied with your existing plan and its coverage, you can switch to another health policy through portability. By porting you can make changes in the policy with the new insurer and get the sum insured in health insurance increased as well. However, in such a situation it depends on the insurer whether they allow you to increase the sum assured.

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4. Buy family floater plans

Another option to increase your health insurance coverage is to opt for family floater plans rather than individual plans. The health insurance plans for family or the family floater policies are plans with wide coverage as it encompasses every dependent family member. Thus, families should choose the floater plans as compared to individual plans.

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5. Buy the Suitable add-ons

To increase the coverage of a health policy, you may choose the right add-on. There are a number of add-ons available under health insurance policies which support increased coverage under your plan. For example, maternity add-on, critical illness cover, personal accident cover and room rent waiver etc. are some such add-ons.

6. Get No Claim Bonus (NCB)

NCB is a kind of reward offered by insurers to the policyholders for not raising any health insurance claims during a policy year. If you have earned NCB under your health plan, you can avail discount on your premium and may widen the coverage offered under your plan.

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7. Purchase health insurance at an early age

Buying health insurance at an early age has many benefits including wider coverage. This is because if you buy a health plan early, you won’t have an increased risk of diseases and you will not claim any health insurance.  So, you may earn a NCB bonus. Also, being fit and healthy will let you avail a health plan at a lower premium rate.

To Sum Up

As you have seen above, there are a number of ways to increase the health insurance coverage of your health plan. It can be done at renewal or via any other way mentioned above.  You can also get in touch with the customer care representatives at Paybima to enhance policy coverage or visit our official website to get the best health insurance policy.

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Found this post informational?

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Also, check out the Mahindra Paybima’s Guide and Glossary section –

FAQs: How to increase health insurance coverage?

Which insurance policy is known as the best health insurance in India?

Here are some best health insurance policies: 

Aditya Birla Activ Health + Multiply Fit Combo
Manipal Cigna Health Insurance
Niva Bupa Health Pulse Policy
Reliance Health Gain Policy
HDFC ERGO My: Health Women Suraksha
ICICI Lombard- Complete Health Insurance Policy
STAR Health's Senior Citizens Red Carpet Health Policy
Bajaj Finserv Health Limited
Niva Bupa Health Insurance

Name some of the best health insurance companies in India

Some of the top health insurance companies in India are:

Acko Health Insurance, Aditya Birla Health Insurance, Bajaj Allianz Health Insurance Company, and Care Health Insurance Company among many others.

What do you mean by pre-existing disease?

A pre-existing disease is an ailment that already exists with the policyholder at the time of buying a health policy. For example, diabetes, thyroid, asthma, hypertension, etc. Most pre-existing diseases have a waiting period which varies as per the health condition and the chosen health plan.

Is it good to pay more for health insurance?

Plans levying high premiums usually come with lower copays and deductibles. Further, they also have low coinsurance and meagre out-of-pocket limits. Hence, you may pay more each month, but you can save enough money overall.


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Feb 01, 2023
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PayBima Team
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

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