It is a fact that a basic health insurance plan will not be able to cover all incidents, thus you need to think about a top up. This is where you will understand the importance of having a top up plan. It not only provides useful coverage but a high one as well.

It is a process of sharing medical expenses in which the amount till deductibles have to be paid by the policyholder. Once the limit is worn out, then the top up plan will be there to assist you in every possible way. It will provide the coverage once the basic limit is worn out.

It is available in different forms it can offer coverage with sum assured starting from Rs. 2 lakhs to Rs. 1 Crore. There are several rules associated with it, you can easily get one of them for yourself. It will offer great protection along with the deductibles which are borne by another insurance policy.

It majorly acts as a supplementary policy that offers the dual benefits of the high sum assured at low prices. It is a great thing for senior citizens as it takes care of each and everything related to health. At a time when the cost of medical expenses is rising day by day, you need complete health security that you can get with a health top up policy. Top up plans will offer higher protection, hence you should go for it. You must search online for effective Royal Sundaram Health Insurance Plans, ICICI Lombard Health pans and plans of other insurers also.

1. In the Top Up plan, the premium depends upon the deductible. Higher the deductible, lesser will be the premium.

2. You should renew your policy every year or as per the terms and conditions of the policy opted for.

3. The premium amount also depends on the age of entering the plan, lesser the age lesser the rate of premiums

4. It is better to buy a Health top up plan at an early age as it can help you save a big amount