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Advantages of Top Up Health Insurance
Top up health insurance policy offers floater benefit to cover the insured and its dependents for the same sum insured under the single policy. This is relatively cost-effective as a group discount is available under the policy.
Top up health insurance plan offers restoration benefit means your sum insured will be reset up to 100% if it gets exhausted due to the treatment of any illness. Hence the basic sum insured will automatically get reinstated after claim.
Pre-existing diseases such as high blood pressure, type 2 diabetes, and chronic health problems are covered under the policy immediately after the 12 months of continuous coverage after the issuance of the first policy.
Health insurance top up plan offers you a cashless claim facility wherein insurer will pay the hospitalisation expenses directly to the hospital, hence offering you a financial cushioning in case of emergency.