One must be prepared for any medical emergency in life and protect yourself by keeping health insurance in that place. However, sometimes health insurance may not be enough to pay all your medical expenses. In this case you may need to do your existing health insurance top-up. Read our story to see how you can top up your health insurance plan.
Health Insurance Top-Plan
Health Insurance Top-Up Plan is an additional cover that provides financial protection beyond the threshold of the existing health insurance policy.
Subtraction
Before the top-up plan is implemented, the policyholder is deducted from the pocket or the base policy. Make sure that the subtractable base policy matches the sum of the insurer to prevent the distance between the coverage.
Coverage options
It is important to evaluate the types of medical expenses involved in hospitalization, serious illness, deacher process and pre-hospital and pre-hospital. Some schemes may include maternity benefits or alternative treatments such as Ayurveda or Homeopathy.
Super Top-Plan
Unlike regular top-up plans that are applicable for each claim, super-up schemes calculate a deduction on a integrated basis for all claims within the policies year. This makes them more beneficial for frequent or multiple claims.
Check network hospitals
One must make sure that the Employee Hospital that offers cashless treatment to insurance is a wide network. The closeness of the network hospital can be a decisive factor in an emergency.
Compare premiums
Evaluate premium expenses against the inhabiter and the benefits offered. Although affordable capabilities are required, make sure this plan provides enough coverage to meet the needs of health services.
Points to remember
- Read the policy documents carefully and to understand what is covered and what is excluded.
- Choose the insurer known for the hassle-free claim procedures, high rights settlement ratio and strong customer support.
Investment Education and Education Center (CIL) of content courtesy.
Contributing to Girija Gadre, Arty Bhargava and Labdhi Mehta.
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