Compare Top Up Health Insurance Plans

Your basic health insurance plan can prove to be insufficient when the disease or illness is complicated or prolonged and has too many riders to deal with. In this scenario an appropriate top up plan that complements your existing medical policy becomes the need of the hour. So, we found a pressing need to compare top up health insurance plans and have come up with recommendation for Best, Good and Fair Top Health Insurance Plans. You will also find Buying Guide: How to get the Best Top up Medical Insurance Plan? and USPs of the some of the plans to help you make an confirmed choice.

Brands compared include:  Apollo Munich, Bajaj Allianz, Max Bupa, ICICI Lombard, SBI General, Cigna TTK, Religare Health, IFFCO  Tokio, HDFC Ergo, Future Generali, Star Health, New India and United India

When even a minor surgery or hospitalization can set one back by a lakh or a couple of lakh rupees, a health insurance policy needs to be more than equal to exigencies. What if there is a situation of multiple hospitalisations within the same year? One can barely afford to be complacent about such matters and if the existing health insurance cover seems inadequate in the face of escalating costs, one will look to increase the coverage. What are the options here? Buy another health policy or upgrade the existing plan? However, both are relatively expensive options. Here, top up plans make sense because these will let one increase the sum assured at an affordable premium amount—at half the cost or even less compared to other options. 

We chose 13 brands to compare top up medical insurance plans based on consumer feedback, popularity and availability of full information in the public domain (including official websites and brochures). After comparing the parameters listed below which have a direct bearing on the product structure, Consumer VOICE experts have recommended the best top up health insurance plans and have also listed some Unique Selling Points that is USPs to refer to before takin the decision. We have also compiled a comprehensive Buying Guide: How to get the Best Top up Medical Insurance Plan?

Brands Compared

  • ICICI Lombard
  • SBI General
  • Cigna TTK
  • Religare Health
  • IFFCO Tokio
  • Apollo Munich
  • Max Bupa
  • HDFC Ergo
  • Bajaj Allianz
  • Future Generali
  • Star Health
  • New India
  • United India

Parameters Compared

  • Min. Entry Age (years)
  • Max. Entry Age (years)
  • Sum Insured Min. (Rs, in lakh)
  • Sum Insured Max. (Rs, in lakh)
  • Deductible Options (rs, in lakh)
  • Day-care Procedure (numbers)
  • Pre-hospitalisation (days)
  • Post-hospitalisation (days)
  • Domiciliary Treatment
  • Pre-existing Disease Cover (waiting period, in years)
  • Health Checkup(on renewal, in years)
  • Policy Tenure ?(years)
  • Long-Term Discount on Premium (%), Max.
  • Family Discount on Premium (%), Max.
  • Ayush Treatment
  • Consumer Feedback

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