What does Health Top-Up Plan cover?
Foundation top-up plans cover only one incident of hospitalization, whereas the floater top-up plan, the benefits are adjustable. The floater top-up plan mainly covers pre-existing health problems from the first day and the remaining dependent upon the chosen insurer.
The top-up plan is wise to have as it provides additional coverage over the existing health insurance policies. A basic health insurance plan will aid the medical bills up-to a definite sum insured, whereas a top-up plan will help you by covering the medical bills over a definite threshold limit. It is an affordable way to enhance your existing health insurance. If you really look into it, it is a really good thing to have a health insurance policy, but it is to think about what will you do if your health insurance plan fails to meet your needs during the time of hospitalization, what will settle the rest of the amount?
A top-up plan would be able to help you fully. It will take care of your expenses during hospitalization when your continuing health insurance policy gets exhausted. All the advantages of a top-up plan are the same as in the normal health insurance policy.
Pay the medical expenses when your existing policy or deductible limit is exhausted.