Things Need to Know Before Availing Health Insurance Top up Plan

Having a health insurance is really crucial since we can't deny that circumstances can happen anytime. There are health insurance offered by companies under different premium rates and benefits. So when you check for the health insurance top up plan, there are 5 points you need to consider-

Things covered-

Check what are covered in the top-up plan. Generally, compensation for in-patient hospitalization expenses including nursing and boarding charges and other things are covered. Moreover, pre-hospitalization and post-hospitalization expenses are covered.

Benefits offered-

Check what extra benefits are offered in these new top up plan. Some of the top up plans offer additional coverage against higher premium.

Deductible limit-

This is the amount a policyholder will pay along with claim submission. The top up plans come with deductible limit that can help when the medical expenses crosses certain limits.

Eligibility Criteria-

There are certain eligibility criteria when looking for top-up plans. The ideal criteria are- You should be between 18 to 70 years of age, your children should be covered under the same insurance scheme, eligible to pay the premium. Do check with the insurance company to know the eligibility criteria.

Compare the premium rate-

When you are looking for the medical coverage top-up plans, make sure to compare the premium rate of the same. There are different insurance companies offering different premium rates, so do compare that suites your financial conditions.

Read Also: 5 Points to Consider Before Availing Health Insurance Top-up Plan

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