Top-Up Health Insurance
Extend your group health insurance coverage with cost-effective top-up plans for high-value treatments.
What Are Top-Up Plans?
Top-up health insurance plans provide additional coverage that activates once the base policy's sum insured is exhausted. They act as a safety net for expensive treatments while being more cost-effective than simply increasing your base policy limit.
With healthcare costs rising annually, top-up plans ensure your employees have adequate protection against serious illnesses or accidents that might require extensive treatment.
Top-up plans typically come with a deductible (threshold amount), above which the coverage begins. This threshold can be matched to your base policy's sum insured for seamless coverage.
Key Benefits
Enhanced Protection
Additional coverage for major illnesses or accidents that exceed base policy limits
Cost Efficiency
Significantly lower premiums compared to increasing the sum insured of the base policy
Customizable Thresholds
Flexible deductible options to align with your base policy coverage
Types of Top-Up Plans
Different top-up structures for varying organizational needs and employee demographics.
Individual Top-Up
Coverage applies to each insured member individually
How it works:
Each member has their own deductible threshold. Once an individual crosses their threshold, additional expenses are covered by the top-up policy.
Best suited for:
Organizations with varied employee health risks or senior employees
Family Floater Top-Up
Coverage applies to the entire family as a unit
How it works:
The deductible applies to the combined claims of all family members. When total expenses exceed the threshold, the top-up kicks in.
Best suited for:
Companies with family coverage looking for comprehensive protection
Corporate Buffer Top-Up
Additional pool of funds available to all employees
How it works:
Creates a supplementary fund that can be utilized by any employee who exhausts their base coverage limit.
Best suited for:
Large organizations wanting flexible additional coverage
How Top-Up Plans Work
Understanding the mechanics of top-up insurance with a practical example.
Example Scenario
Base Policy
₹5,00,000
Top-Up Deductible
₹5,00,000
Top-Up Coverage
₹10,00,000
If an employee has a claim of ₹12,00,000:
Protect Against High-Cost Treatments
Contact us to discuss how top-up plans can enhance your group health insurance coverage while keeping premiums manageable.
Explore Top-Up Options