Affordable health top up plans with upto 18% discount
What Is A Top-up Health Insurance Policy?
Top-up health insurance plans are separate and additional insurance coverage or policies that are normally purchased and added to your existing base health insurance coverage. These top ups have large insurance coverage in exchange for a small premium. These top-up options can be utilized only if one covers the base hospitalization expense, known as (Deductibles) either from your own pocket or from the base insurance plan. In the market, several health insurance companies are offering affordable top-up health insurance plans. You can buy them if you are aged between 18 years and 80 years. Deductibles play a significant role in determining your top-up health insurance premium. A deductible is the amount you agree to pay before your health insurance starts. Normally, the deductible in a top-up plan matches your primary health insurance. It's essentially the safety net that bridges the gap between what your primary plan covers and the total medical expenses. Considering this common concern, insurance companies have introduced top-up plans. These plans greatly expand your current coverage, giving you peace of mind by adding extra financial protection when you need it most. If you feel like your current insurance coverage isn't sufficient, then choose the best top-up health insurance for you.
Top-up Health Insurance
Get additional sum insured and top-up your existing policy at an affordable premium. Top-up health insurance is an additional layer of protection to supplement your primary health coverage. When your health insurance plan falls short of covering your medical expenses, you may reach into your savings to bridge the gap. Ensuring you get the best possible treatment is crucial, and compromising on quality isn't an option. Considering this common concern, insurance companies have introduced top-up plans. These plans greatly expand your current coverage, giving you peace of mind by adding extra financial protection when you need it most.
Example-For an instance, an insured individual owns a health insurance policy with a sum insured of Rs. 50 Lakhs with a deductible of 5 Lakhs. This top-up plan will cover your expense above the basic 5 Lakh, and up to 55 Lakhs. This states that the top-up plan will cover the expense only when the medical expense bill at the hospital will surpass the amount of 5 Lakhs in each hospitalization. Individual insured may have another base health insurance plan or pay out of pocket for the initial 5 Lakh Health Insurance. These add on top-up plans are substantially less expensive than standard base health insurance plans. When availing of a health insurance plan, you opt for one that takes care of your current financial status and future financial balance and security. If you count on the inflation across the healthcare services industry, you cannot help but only get confused thinking if your current insurance coverage would satisfy your future medical requirements.
You have 2 options in such scenariosThe issue is that there will be an enormous spike in your premium and hence loading a significant financial burden on your back. Now, what can be done in this situation. However, there is one more option, basically the 3rd option - Choose a top-up or super top-up policy on your existing insurance plan. Top-ups and super top-ups are an extension or an increase on the sum insured that becomes effective as soon as your claim amount is exhausted or drained.
Why Do You Need A Top-up Plan?
Increase your sum insured and stay secured throughout your future. Choose a health insurance plan with a coverage starting from 5 Lakh + up to 1 Crore + with individual and floater plans for your family.
Cashless claims across all the network hospitals. Top ups also include progressive and modern treatments, Wide coverage, Ambulance expenses and Delivery Expenses.
Lowest waiting period of 12 months for pre-existing diseases
There are flexible payment options like quarterly, half yearly and options for paying premiums in advance.
We secure you for countless medical investigations in case of both pre & post hospitalizations.
Health Top-Up Insurance Features
Convertible Flexibility:With a top-up health insurance plan, you have the freedom to convert it into a basic health insurance plan whenever necessary. This allows you to easily adjust your coverage during times of heightened health needs or budget constraints.
Family Unity:Opting for a top-up health insurance plan often means your children can be included under the same policy. This simplifies the process of protecting your entire family's health under a single insurance plan.
Freedom from Cost Limits:Top-up health cover plans typically don't have restrictions on hospitalization costs, covering everything from doctor's fees to room charges. You can be rest assured that your insurance will take care of the expenses, no matter how high the medical bills climb
Rewards for Wellness: Top-up health policy offers a unique benefit: the longer you stay healthy and don't make claims, the more your coverage increases. It's like a loyalty bonus for maintaining good health and not needing frequent medical assistance.
Comparison Options: Different platforms allow users to compare the best top-up health insurance plans, helping them make well-informed decisions.
15-Day Grace Period: After obtaining a top-up health insurance policy, you're given a 15-day grace period. This time allows you to thoroughly review and understand all the policy's terms and conditions, ensuring it fits your specific needs and preferences.
Flexible Policy Options: You have the flexibility to choose between 1-year and 2-year policy terms, depending on what suits you best. Note that the availability of these options may vary among different insurers.
Lifetime Renewability: Medical insurance top-up plans offer the advantage of lifetime renewability. This means you can keep your coverage in place and have a long-term safety net for your health throughout your lifetime, providing peace of mind and financial security.
How to Buy Health Insurance Plan From Beema1
In just a few clicks, you can secure your health policy with ease and convenience. Our streamlined online process is designed to save you time and effort, allowing you to compare various plans tailored to your needs. Whether you're looking for comprehensive coverage or specific benefits, our user-friendly platform makes it simple to find the right health insurance for you and your family. Plus, our dedicated support team is here to guide you every step of the way, ensuring that you make informed decisions about your healthcare.
Top-Up Health Insurance Plan Benefits
Here are some of the reasons why you must buy a top-up health insurance plan:
Emergency Coverage: Best top-up health insurance acts as a financial safety net, swooping in when your regular policy's limits are reached, sparing you from unexpected financial strain.
Sustained Peace of Mind: Even if your existing health insurance coverage maxes out, top-up plans keep you covered for the remainder of the period, ensuring your peace of mind remains undisturbed.
Cost-Effective Expansion: These plans offer increased coverage at a pocket-friendly premium, making them a smart choice, more particularly for older policyholders who may need extensive coverage and beyond
Combatting Medical Inflation: With healthcare costs skyrocketing, top-up mediclaim policy helps improve the impact by shifting the risk to your insurance provider, easing your financial burden in the face of rising medical expenses.
Tax Advantages:Similar to traditional health insurance, top-up plans offer tax benefits under section 80D of the Income Tax Act. You can decrease your tax liability by up to Rs. 25,000 for plans covering yourself, your spouse, and your children, with the limit increasing to Rs. 50,000 if you're above 60.
Coverage for Pre-Existing Conditions: Unlike many health plans, top-up insurance often covers pre-existing illnesses. This feature is specifically essential for individuals with a family history of conditions like diabetes or hypertension, ensuring comprehensive coverage for existing health concerns
A Top-up Health Insurance Plan Covers The Following:
Most top-up insurance plans typically cover a wide range of medical expenses, including:
Exclusions Under Top-Up Health Insurance Plans
While top-up health insurance plans offer valuable protection, there are certain exclusions to be aware of. Here's what you won't find covered:
Adventure Sports Mishaps: If you get hurt doing adventurous stuff like mountain climbing or paragliding, your top-up health insurance won't pay for it. You'll need to pay those expenses on your own.
Self-Harm Expenses: Medical costs arising from self-harm, including suicide attempts, are not covered by top-up health insurance.
Cosmetic Surgery: Top-up health insurance doesn't pay for cosmetic surgery unless it's needed because of an injury or burn. That means elective cosmetic procedures aren't covered by your plan.
Sexually Transmitted Diseases: Treatments involved in sexually transmitted diseases isn't covered by top-up health insurance. Treatment costs for such diseases has to be independently handled by the individual
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FAQ
Frequently Asked Questions About Insurance
Beema1 comes with questions and answers which is a good thing, especially when you’re trying to get the most out of a policy or pick up additional coverage. But sometimes, consumers aren’t even sure where to start or what to ask. Whenever you need clarification or a second opinion, our experts are here. We’ll start a frank conversation with you to sort through the clutter and get to the heart of coverage.The best age to purchase health insurance is one that works for you. But to keep your premium low, buying it as soon as possible is advised. Because you are less likely to experience health problems when you are young compared to someone in their mid-50s or 60s, who is more susceptible to serious illnesses, the earlier you purchase health insurance policy for yourself, the lower the premium you will have to pay.
Getting health insurance coverage does not need getting a medical exam. However, if applicants are older than 45 years, most Indian health insurance companies demand medical test results. Other medical tests may be necessary depending on the applicant's age and the insurer's requirements.
The 'sum insured' describes the maximum sum an insurance company will pay a policyholder if he/she files a claim for a medical condition or accidental injury. It also goes by the name 'maximum coverage' in health insurance.
You can include more family members while renewing or purchasing a health insurance policy. As long as you adhere to the terms and conditions of the family health insurance plan, you, your spouse, your dependent children, your parents, and your parents-in-law may all be covered.
You can raise the amount insured under your current policy when your health insurance coverage is renewed. If the sum insured under your existing policy cannot be increased, then you can anyway purchase a top-up plan to increase the coverage.
Beema1's health insurance policy covers medical expenses, like doctor appointments, hospital admission, prescription drugs, and coverage for preventive care and wellness programs.
The cashless claim settlement facility allows the policyholder to avail treatment benefits at the network hospital without worrying about the expenses. The bill in cashless cases are settled directly between the insurance provider and the network hospital. However, the policyholder only pays for expenses that aren’t a part of or covered under the cashless facility. Yes, the policyholder can use this facility at any of the network hospitals of the insurer that provides cashless claim settlement facilities. Never forget to note down the names of the network hospitals for availing cashless claim settlement because the patient needs to get admitted in a network hospital. Every insurance company has their own set of network hospitals. it is very essential for every policyholder to have the information and knowledge about the listed hospitals in the company’s network as it’s always preferred for an individual to choose the location and area according their convenience. Most suitably providing cashless facility.
You really cannot anticipate when a medical emergency will occur. Hence, it is wise to be alert and cautious of the territorial limitations of the claim settlement in the policy in advance. Health insurance policies provide coverage across India; however, it is best to clarify all your queries about the same before confirming your decision regarding purchasing your health insurance plan. Stay informed that there are also some medical insurance plans that provide international health insurance coverage as well.
Pre-existing diseases is something that varies from policy to policy. A policy offering cover for a pre-existing condition will get tagged along with a certain waiting period applicable on the coverage. Without fail, find out the waiting period for your pre-existing diseases and how early you are eligible to be covered. To conclude, having a clear picture of whether your pre-existing condition is not covered in the interim or is it entirely excluded from the option of coverage is must before purchasing the policy.
Medical exigencies ask for quick surveillance and awareness, that’s why it is recommended that you concentrate on taking the patient to the nearest network hospital for hospitalization. After you get admitted the family members of the patient must contact the insurance provider or the Third-Party Administration (TPA) to inform about the hospitalization and get the best possible guidance related to claim settlement procedure.