Why You Should Top Up Your Health Insurance Online?


5 min read

There has been a huge price rise or inflation seen across sectors, especially the healthcare sector in India in recent times. Let us take a look at the reasons why one should buy top up health insurance online. 

The healthcare industry has undergone massive transformation in recent times. The inflation situation in the country is such that you can’t expect reasonable expenses while making a trip to the doctor. Further, the procedure of medical examination and diagnostics is so lengthy, it makes you regret your doctor’s visit as it makes a hole in your pocket.

Hence, it becomes essential to choose a top-up health insurance plan along with your regular medical insurance policy to take care of your healthcare costs. To buy the best and most cost-effective health insurance plan, it is important to conduct an online health insurance top up plan comparison as well as take a look at the top-up plans offered by insurers in the country.

There are times when the health insurance plans are not enough to meet your required needs in terms of sum assured. In that case, the top-up plans come as a saviour.

Let us now discuss some of the best health insurance top up plans and how they help policyholders.

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What is Top-Up in Health Insurance?

As the name suggests, a top-up health insurance plan is one that allows a health insurance policyholder to avail additional medical coverage on their health plan as a top-up to the already existing cover. So, a top-up plan enhances the scope of health insurance of individuals.

The functioning of the best super top up health insurance is similar to the basic health insurance policies. The only difference is that the premiums in case of top-up plans are cheaper as compared to the conventional plans. Thus, the top-up plans are considered easy to access while considering the best health insurance in India.

However, you should not mistake a top-up health insurance plan as a health insurance rider. A top-up medical plan is not a rider or add-on that is available with a standard health insurance plan serving a specific health condition. An add-on or a rider is offered along with the basic health insurance plan. However, in case of a top-up health insurance policy, it works as a standalone health insurance plan.

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Why Should You Top-Up Your Health Insurance Plans Online?

There are various advantages of buying a top-up health insurance policy. A top-up plan not only lowers the out-of-pocket payments, it also allows the insured to get healthcare treatment at a facility of their choice.

5 Advantages of Purchasing Top-up Medical Insurance Plans

1. A Top-Up Plan Allows Coverage Over the Basic Health Insurance Plans

The most noteworthy benefit of a top-up plan is that it acts as a supplementary health plan and provides financial support in case your basic health plan reaches its limit. With a top-up plan, you can be certain that your insurer will pay the added costs of your medical bill

2. A Top-Up Plan Fights Against the Growing Healthcare Costs

There has been an immense rise in India’s medical inflation. Hence, it is pertinent to invest in top-up medical insurance coverage to fight inflation successfully

3. Greater Protection at Cost-Effective Premiums

Top-up plans are economical and offer enhanced protection at a reasonable price. So, you can benefit from a wide cover at lower cost, thereby making it an ideal choice

4. Cover pre-existing diseases

Enhancing the basic health plan with a top-up insurance supports people with a family history of illnesses like diabetes, hypertension etc.

5. Tax Benefits

 Similar to other health insurance plans, you get tax exemptions for the premiums that you pay for your top-up policy.

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To Sum Up

A top-up health insurance policy enhances the limit of your health insurance at a lower cost. These policies serve the purpose of a substitute policy between your health insurance coverage and emergency health expenses. People with family floater plans are more likely to benefit from such plans. It also serves as a best choice for people who have a history of medical conditions.

With top-up coverage, you can stay protected from the extra costs in case of huge hospital bills. Hence, it is important to consider top-up plans online. Buying such plans online will allow you further benefits of receiving the cover at best possible rates. Further, you can compare plans and rates thoroughly to get the most cost-effective deal.

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FAQs: Why You Should Top Up Your Health Insurance Online?

What is the benefit of Top-up in health insurance?

A Top-Up plan allows individuals to get their healthcare expenses covered even if they have exhausted the sum insured of their basic health plan.

Is top up health insurance good or bad?

A top-up plan is a cost-effective plan that allows the insured to get a higher sum assured.

Is it better to buy health insurance online?

Yes, buying health insurance policy online allows greater convenience to the insured along with transparency and the flexibility of things like not much paperwork. It also saves time. 

Is buying a top up health insurance plan a dependable solution for all your future health expenses?

A top-up plan or a super top-up health insurance plan cannot be considered as the ultimate solution to cover all your healthcare worries and expenses. However, these plans support if the base cover of your family floater health insurance plan has a low sum insured.

What is the difference between base and top up health insurance?

Top-up health insurance is an extended cover over and above the base health insurance plan. Such cover offers additional sum insured which is used if the current coverage of the regular health plan gets exhausted.

Which is the best super top up health insurance plan in India?

Here are some best super top up health insurance plans:

Aditya Birla Activ Assure + Super Health Top-up
Bajaj Allianz Extra Care Plus
Care Enhance Super Top-up Health Plan
Chola MS Super Top-up Plan


What is super top up health insurance?

Super Top-Up Plan is a Family Floater Policy that allows healthcare coverage above your sum assured limit.

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Mar 15, 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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