Top-Up Health Insurance: Here’s Why Having A Back-Up Plan Is Essential| Bharti AXA

Car Insurance

Bharti AXA provides a comprehensive cover for your car,so you can drive hassle-free.

Two Wheeler Insurance

Ride worry-free, with Bharti AXA two wheeler insurance plan. 

Health Insurance

Safeguard the health of your loved ones with a wide range of Bharti AXA health insurance plans.

Other Health Insurance

Safeguard the health of your loved ones with a wide range of Bharti AXA health insurance plans

Travel Insurance

Secure your joyous family trips with Bharti AXA international travel insurance cover.

Bharti AXA Home Insurance

Bharti AXA Home Insurance

Bharti AXA SME Package Insurance

Bharti AXA SME Package Insurance

Bharti AXA Commercial Lines Insurance

Bharti AXA Commercial Lines Insurance

Bharti AXA Commercial Vehicles Insurance

Bharti AXA Commercial Vehicles Insurance

Bharti AXA Motor Third Party Insurance - Commercial

Bharti AXA Motor Third Party Insurance - Commercial

Crop Insurance

Crop Insurance

Bharti AXA Car Insurance

Renew your Bharti AXA car insurance to enjoy your non-stop drive.

Bharti AXA Two Wheeler Insurance

Renew your Bharti AXA Two Wheeler Insurance to continue your worry-free rides.

Bharti AXA Health Insurance

Renew your Bharti AXA Health Insurance and continue to safeguard the health of your loved ones.

Register Claim



About Bharti AXA

Branch Locator

Cashless Garages

Cashless Hospitals

Health and Wellness

Health and Wellness


Contact Us

Become A Partner

Become A Partner


Car Insurance

Two-Wheeler Insurance

Travel Insurance

Health Insurance

Corona Kavach Policy

Motor Third Party Liability

Commercial Vehicle

Commercial Lines Insurance

Bharti AXA SME Package

Home Insurance

Pradhan Mantri Fasal Bima Yojana(PMFBY)

Arogya Sanjeevani

List of products

List of withdrawn Products

Car Insurance

Comprehensive Car Insurance

New Car Insurance Policy

IDV in Car insurance

No Claim Bonus in Car Insurance

Bumper to Bumper Car Insurance

Bike Insurance

Comprehensive Two Wheeler Insurance

IDV in Bike Insurance

No Claim Bonus in Bike Insurance

Bike Insurance Quote

Travel Insurance

Travel Insurance Coverage

Benefits of Travel Insurance

Travel Health Insurance

Travel Insurance Quote

Health Insurance

Cashless Health Insurance

Knowledge Centre




Travel Guide

Visa Guide

Road Trip

Insurance Glossary

Health & Fitness Guide

Food & Cuisine Guide

RTO Guide

Driving License Guide

Car Manufacturer

Two-Wheeler Manufacturer

Travel Destination

Bharti AXA & YOU

About Us


Contact Us

Cashless Garages

Cashless Hospitals

Health and Wellness

Branch Locator


Investor Relation Information

NACH Mandate


Public Disclosure

Knowledge Centre

Download Center

Media Center

Consumer Education

Electronic Insurance Account

Update IRCTC Nominee

Unclaimed Amount


Notice Of General Meetings

General Meetings Transcript

Scheme of Arrangement

Service Parameters

Suspended Agents

Whistleblower policy

Become A Partner

About Group

AXA Group

Bharti Enterprises

Bharti AXA Life Insurance

Download My Airtel App


Privacy Policy

Terms of Use

Fraud Risk Management Policy

Equal Opportunity Policy

[object Object]
[object Object]
Car Insurance

Car Insurance

Two-wheeler Insurance

Two-wheeler Insurance

Health Insurance

Health Insurance

Travel Insurance

Travel Insurance

Disclaimer : The information published on this website is for the public′ s reference only. Content of this information is to provide an overview of your Travel needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice. Bharti AXA General Insurance Company Limited makes no representations about the suitability, reliability, timeliness, and accuracy of the information, travel,services, or any other items mentioned on this subject for any purpose whatsoever.
Explore Our Products
Top-Up Health Insurance: Here’s Why Having A Back-Up Plan Is Essential

Top-Up Health Insurance: Here’s Why Having A Back-Up Plan Is Essential

     The average ticket size of health insurance in the age of rising health care inflation is anywhere between Rs. 3 to 4 lakhs. While it may sound like a hefty figure, it may not be enough to cover hospitalisation costs for serious conditions. There is a high risk of overshooting the limit of your health insurance policy.

You may have a corporate health insurance plan. But in a medical emergency, it may be adequate to beat inflation. Your individual health policy too may also offer limited protection and higher coverage translates into big premiums.

When it comes to your medical needs, it is vital that you review them periodically. In case you gauge there is a significant shortfall, it is best to bridge the gap with a top-up or supplementary plan.

What Is A Top-Up Plan and How Does It Work?

Your present health insurance may not have adequate coverage to meet high bills for hospitalisation. Your options are to either purchase another policy or raise the sum assured on your current plan.

A top-up plan is more like an extension of your comprehensive health insurance policy. It helps increase the total cover value and expand the sum assured.

Plus, it only comes into play in the event of a single claim going over your assigned threshold. There is a deductible component of the plan. This implies that the insurance company will only settle claims for the part that has crossed the threshold limit.

At the point of purchasing top-up plans, you need to think of the following:

  • You can buy top-up plans without having a Mediclaim policy
  • Each plan tenure comes with an applicable threshold limit

Not having a Mediclaim policy in times where medical emergencies can come knocking any time is a risky move. The top-up plan can offset these costs significantly.

How Many Types of Top-up Plans Are There?

There are two types of top-up plans available.

Regular Top-up Plan: The deductible limit in the case of a regular top-up policy is calculated on individual hospitalisation. If the medical expenses go over your threshold, the remaining amount will be borne by the insurance company.

In case if you do not have a basic health insurance plan already, the regular top-up, you will be responsible to pay the initial expenses, not going over the deductible of the top-up plan.

Super Top-up Plan: Like regular top-up plans, super top-up policies work in a similar manner. They provide coverage over and above the threshold limit of your basic health insurance. The deductible of such plans comes with pre-defined figure up to which your super top-up plan will not be able to offer any coverage. Until you reach this defined threshold, all expenses have to borne by your current comprehensive health insurance or as direct out of pocket expenses.

The difference between the two is primarily on the number of claims you can raise. While the regular top-up plan gives you provision for one, the super top-up policy allows multiple claims considering cumulative hospitalisation expenses in a policy year.

What Are The Benefits Of Buying A Top-up Plan?

There are several benefits associated with buying a top-up plan. While the primary reasons that make this back-up absolutely an essential investment are to minimise out of pocket expenses, there are other advantages like getting treated at your preferred medical establishment, etc.

Let’s deep dive into the ‘why’s’ a little more.

Offers Coverage Over and Above Your Basic Plan: In the event of you exhausting your coverage limit on your base plan, the top-up policy provides additional financial back-up. This means that your insurance company will bear any add-on expenditures which technically relieves you of any financial worries.

High Cover at Affordable Premiums: With top-up plans, you can get higher medical coverage. That said, the premiums come at affordable rates. What this essentially implies that you get dual benefits of a greater sum insured at lower costs and makes sense as an investment if you are at an advanced age in your life.

Mitigates Increasing Inflation in Medical Expenses: With the healthcare sector at the cusp of a paradigm shift is increasingly facing medical inflation every day. By purchasing a top-up plan, you can combat this inflation to a large extent as it offers additional coverage for hospitalisation. By passing on the risk to your insurance provider, you can again minimise on any additional financial burdens.

Coverage Against Pre-existing Conditions: Base health plans do not generally cover pre-existing conditions. Comprehensive health insurance does. Having a top-up plan adds another layer of protection. It comes in handy when you have a family history of illnesses already.

Income Tax Benefits: Under Section 80D of the Income Tax Act, you can claim tax exemptions just like you do for your health advantedge insurance plans. That said, Rs. 25,000 still remains applicable as the cap. This comes into play even if the plan includes self, spouse, children and parents. The limit increases if you have a separate medical policy for senior citizen parents to Rs. 55,000 and Rs. 60,000 respectively.

What Should You Be Aware of When Investing In A Top-up Plan?

Before investing in a top-up plan, here’s what you should be cognizant of:

  • You can purchase your top-up plan from your current service provider or choose a completely different company
  • 18 years is the minimum age and 80 is the maximum threshold that allows you to buy a top-up policy
  • Remember to choose your deductible when buying the policy
  • The premium for your top-up plan depends on the sum insured
  • You do not need to undergo a medical examination if you are under the age of 45

The Final Verdict

Rising medical costs are a cause of concern. Be it medications, diagnostic tests and hospitalisation, expenses are skyrocketing with every passing year. Given these uncertain conditions, it is absolutely essential to invest in a top-up plan that helps to relieve the financial burden of escalating medical expenses, either partially or fully.

Other than this, if you have back-ups like comprehensive health insurance and a corporate health plan, getting a top-up just closes the gap by offering 360 degree protection. 

Most Recent Blogs


Things that are Not Covered under Health Insurance

18th Jul,2020



List Of Non-Gear Bikes You Could Buy On A Friendly Budgeta

13th Jul,2020



Here Is A List Of Documents You Have To Keep In Your Car At All Times

07th Jul,2020



Are Adventure Activities Covered in your Travel Insurance Plan?

09th Jun,2020