Top Up Health Plans In India

The insurance sector offers its customers various options to cover their financial risks associated with health emergencies. Instead of changing plans and going through the complicated process of buying new ones every year, the companies have come up with top-up health plans. These plans offer higher medical coverage for hospitalization beyond a threshold limit (as per terms of the policy) at a little bit of an extra cost. Buying Compare Health Plans.

Table Content

  • Top-up Health Plans in India
  • 1. HDFC ERGO Health Optima Plus
  • 2. Bajaj Allianz Extra Care
  • 3. ICICI Lombard Healthcare Plus
  • 4. Star Health Super Surplus
  • 5. New India Top-up Mediclaim
  • 6. Aditya Birla Activ Assure + Super Health Top-up
  • 7. Edelweiss Family Health Top-up Plan
  • 8. Future Generali Advantage Top-up Plans
  • 9. Niva Bupa
  • 10. SBI Arogya Top-up Plan
  • Related posts:

Top-up Health Plans in India

Top-up Plan Insurer Entry Age Tenure Sum Insured Deductibles
Health Optima Plus HDFC Ergo 91 days to 65 Years 1/2 years Rs 5 Lacs Rs 2 Lacs
Extra Care Bajaj Allianz 18-65 years 1/2/3 years Rs 10 Lacs – Rs 25 Lacs NA
Health Care Plus ICICI Lombard 5-65 years 1/2 years NA NA
Super Surplus Top-up Plan Star Health 18-65 years 1/2 years Silver: Rs 7 Lacs – Rs 10 Lacs
Gold: Rs 5 Lacs – Rs 1 Crore
Silver: Rs  3 Lacs
Gold: Rs 5 Lacs–
Rs 25 Lacs
Top-up Mediclaim Policy New India Assurance 18-65 years 1 year Rs 5 Lacs – Rs 22 Lacs Rs 5 Lacs– Rs 8 Lacs
Activ Assure + Aditya Birla 5-65 years NA 1 Crore NA
Health Top-up Plan Edelweiss Family 18 years & above 1/2/3 years Rs 1 Lacs – Rs 20 Lacs As per SI
Advantage Top-up Plans Future Generali Day 1 – Lifelong 1/2/3 years Rs 50K – Rs 1 Crore Rs 50K – 40 Lacs
Niva Bupa Niva Bupa NA NA Rs 2 Lacs – Rs 95 Lacs Rs 1 Lac – Rs 10 Lacs
Arogya Top-up Plan SBI Health 3 Months – 65 years 1/2/3 years Rs 1 Lac – Rs 50 Lacs Rs 1 Lac – Rs 10 Lacs

Various companies offering different products, we bring to you some of the best top-up plans in the Indian insurance market:

1. HDFC ERGO Health Optima Plus

The benefits you can enjoy with the HDFC ERGO Health Optima Plus plan are:

  • The sum assured under this policy is Rs. 5 lakhs and the amount that the insured will have to pay towards his medical expenses before this policy kicks in can be Rs. 1 lakh, Rs. 2 lakh, Rs. 3 lakhs, Rs. 4 lakhs, or Rs. 5 lakhs. These amounts are called deductibles.
  • The only plan that converts into a full-fledged Health Insurance Plan at the time of retirement with no deductibles and the coverage is effective for any and every amount up to the maximum sum assured
  • The policy can be bought for a period of 1 or 2 years and if you buy for 2 years, you get a discount of 7.5% on the premium
  • There is no room rent limit and covers entire pre and post hospitalization expenses
  • Also covers daycare expenses along with expenses related to organ donation

2. Bajaj Allianz Extra Care

Following are the features of the Bajaj Allianz Extra Care plan are:

  • The policy is valid for one year with a sum assured of Rs. 10 lakhs, Rs. 12 lakhs, and Rs. 15 lakhs. This can be renewed throughout your life though
  • Deductibles applicable on the policy are Rs. 3 lakhs, Rs. 4 lakhs, and Rs. 5 lakhs
  • Doesn’t require any medical check till the age of 55 years

3. ICICI Lombard Healthcare Plus

ICICI Lombard Healthcare Plus plan coming from another reputed insurer has the following to offer you:

  • Provides individual cover for every member of the family
  • Sum assured is flexible and even the deductibles are flexible so you can select an amount as per individual requirements
  • You can buy the policy for a term of 1 to 2 years
  • There is no limit to room rent, hospitalization expenses, etc.
  • Offers coverage to the insured from the age of 18 to 65 years and for children, it can start at 5 years of age

4. Star Health Super Surplus

The major benefits and features of the Star Health Super Surplus plan are:

  • It offers both individual and family floater plans
  • It comprises of two categories, silver and gold with different features
  • Sum assured can be a minimum of Rs. 4 lakhs for individuals and Rs. 5 lakhs for a family floater. This would be over and above the deductible amount
  • Maximum sum assured can be Rs. 7 lakhs for both individual and family floater plans
  • In the case of silver plans, the deductibles will be applicable for every hospitalization. In the gold plan, only after the total limit of the existing insurance plan is utilized, the benefits of this plan kick in

5. New India Top-up Mediclaim

The major benefits and features of the New India Top-up Mediclaim plan are:

  • Both the individual plans and family floater plans are available. Under the family floater plan, up to 6 family members are covered
  • Anyone between 18 to 65 years (for proposer) can buy this plan. Any other family member with 3 months to 65 years of age can opt for this plan
  • Minimum and the maximum sum insured available is Rs. 5 lacs and Rs. 22 lacs. The minimum and maximum threshold limit is Rs. 5 lacs and Rs. 8 lacs. You have the option to enhance the Sum Insured and Threshold at the time of renewal of the policy
  • Room Rent, boarding, and nursing expenses are paid up to a maximum of Rs. 5000 per day for Rs. 5,00,000 Threshold and Rs. 8000 per day for Rs. 8,00,000 Threshold
  • AYUSH Treatments are also payable

6. Aditya Birla Activ Assure + Super Health Top-up

  • One of the best plans of Aditya Birla in terms of top-up.
  • The maximum sum insured available is Rs. 1 crore.
  • Anyone between 18 to 65 years can buy this plan.

7. Edelweiss Family Health Top-up Plan

  • You can buy the policy for a term of 1 to 3 years. 
  • Only individual.
  • The minimum and the maximum sum insured available is Rs. 1 lac and Rs. 20 lacs.

8. Future Generali Advantage Top-up Plans

  • You can buy the policy for a term of 1 to 3 years.
  • Both the individual plans and family floater plans are available.
  • The minimum and the maximum sum insured available is Rs. 5oK and Rs. 1 crore.

9. Niva Bupa

  • Deductibles applicable on the policy are Rs. 1 lacs to 10 lacs.
  • The minimum and the maximum sum insured available is Rs. 2 lacs and Rs. 95 lacs. 

10. SBI Arogya Top-up Plan

  • One of the best plans of SBI in terms of top-up.
  • Anyone between 3 months to 65 years can buy this plan.
  • Both the individual plans and family floater plans are available.
  • Deductibles applicable on the policy are Rs. 1 lacs to 10 lacs.
  • The minimum and the maximum sum insured available is Rs. 1 lac and Rs. 50 lacs. 

Hope this information helps you in making the right decision when looking for top-up plans. Remember to do thorough research before finalizing one.

Related posts: