5 Points to Remember Before Buying Health Insurance Top Up Plan

One of the first things to remember about a health insurance top up plan is that the benefits covered by it are enough for the expected treatments or not. This is easier to gauge in case there are children or the elderly in the family.

Having a top up health insurance will make room for the extra expenditures. The advantage of a top up plan is that it can extend the coverage and there is no point in paying higher premiums to avail it. It is a good idea to check if the policy offers reset benefits or not as well. So in case the insurance money is exhausted in the middle of the year, one can refill the insurance as well.

One should also check the deductible limit of the top up, which is the amount the insured person would have to pay at first and the insurance company will pay the rest of the amount. The plan works only when the medical expenses cross the deductible amount limit.

Before availing a health insurance top up plan, it is a good idea to review the medical history of the family to understand how much coverage would the family need. The city of residence and the age of family members are also common markers to understand the expenses.

Family floater plans are a great option to provide coverage for the entire family, or if one already has an individual plan, one could easily add a health insurance top up plan on it. In case of top up plans, it is also important to find out about whether they cover pre- existing diseases after a particular waiting period or not, and also about any other kind of restrictions.

Read Also: Why Should You Secure Your Health Through Health Insurance Policy?

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