A top-up health insurance plan also referred to sometimes as add-on cover might be required in case your existing health care policy does not provide sufficient coverage. By choosing the right top-up health care plans, you would be able to receive the benefits of an extensive health insurance plan without paying a high premium. The importance of using top-up health insurance plans is highlighted in the below points:
Economical
Top-up health care plans are less expensive as compared to regular health insurance plans. Therefore, you can add them as a top-up to your existing individual, family, or group health insurance plan.
Negates the need for policy transfer
If your current health insurance policy does not fulfill your requirements, you don't have to think of switching to a new policy as you can renew your current policy and enhance its coverage by opting for the necessary top-up health care plans.
Increases the coverage of a basic insurance policy
An inexpensive basic health insurance plan might not provide coverage for accidents, critical illnesses, maternity expenses, etc. However, by utilizing the top-up health cover plans such as personal accident cover, critical illness cover, maternity cover, etc. you can include these benefits in your regular health insurance plan.
However, you must avoid adding too many top-up health insurance plans as each plan will increase the premium of your policy by some amount. Therefore, avail of only those top-up plans that are utmost necessary as per your medical needs. For exploring different types of top-up health insurance plans available in the market, you can check the website of Bajaj Finserv. Here, you will find regular, comprehensive, and top-up health care plans and other health insurance plans that will enable you to get health insurance coverage as per your expectations and requirements.
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