Best Top-Up Health Insurance Plans in India
The simple meaning of a top-up health insurance plan is that it is an extra coverage layer that becomes active only after you’ve exhausted your base policy’s sum insured and paid a predetermined deductible. It offers a cost-effective way to protect against large medical bills without significantly raising your premiums.
In 2021, approximately 514 million Indians (37% of the population) had health insurance. However, rising healthcare costs have made basic coverage insufficient for many individuals. Top-up and super top-up plans help fill that gap.
For example, adding a ₹2 lakh top-up may cost just ₹2,000 extra annually, whereas increasing your primary policy by ₹2 lakh can be exponentially more expensive. Therefore, the popularity of top-up plans is growing steadily.
Top Health Insurance Plans for Health in India
| Features | Aditya Birla Super Health Plus Top-Up (Aditya Birla Capital) |
Care Enhance Plan (Super Top-Up) (Care Insurance) |
ICICI Lombard Health Booster Plan | Bajaj Allianz Extra Care Plan | Cholamandalam Flexi Super Top-Up Plan | Future Generali Advantage Top-up Plan | HDFC ERGO Health Suraksha Top-Up Plus Plan | SBI Arogya Top-Up Plan |
|---|---|---|---|---|---|---|---|---|
| Entry Age (yrs) | Individual: 5–65 Floater: 91 days–65 |
Individual: ≥18 Floater: Adult ≥18, Child from 1 day |
18–65 | 18–65 | Adult: 18–65, Children: 91 days–25 | 18–65 | 18–65 | 18–60 |
| Sum Insured (₹) | ₹3 L–₹95 L | Enhance-1: ₹1 L–₹30 L Enhance-2: ₹30 L–₹55 L |
₹1 L–₹1 Crore | ₹1 L–₹1.25 Crore | ₹1 L–₹25 L | ₹1 L–₹50 L | ₹1 L–₹50 L | ₹1 L–₹25 L |
| Deductible (₹) | ₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹7 L, ₹10 L, ₹15 L | Enhance-1: ₹1 L–₹10 L Enhance-2: ₹5 L–₹20 L |
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹7.5 L | ₹1 L, ₹2 L, ₹3 L, ₹5 L, ₹7.5 L, ₹10 L | ₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L | ₹1 L, ₹2 L, ₹3 L, ₹5 L, ₹7.5 L, ₹10 L | ₹1 L, ₹2 L, ₹3 L, ₹5 L, ₹10 L | ₹1 L, ₹2 L, ₹3 L, ₹5 L, ₹7.5 L, ₹10 L |
| Pre-policy Medical Check-ups | Not required up to ₹10 L deductible + ₹75 L SI | Waived for deductible + SI below ₹40 L | Medical tests only if age ≥45 or sum insured >₹15 L | Medical tests if deductible + SI >₹30 L | No medical check-up up to 45 years or combined limit ≤₹30 L⁵ | Waived if age < 45 & deductible + SI ≤₹30 L⁶ | No tests required if total cover ≤₹30 L & age < 45⁷ | Medical check-ups only if over 55 or cover >₹20 L⁸ |
* Please read the disclaimer at the end of this page before purchasing this policy.
Our Top Recommended Insurance Policies
Here are the Top 3 Top-Up Health Insurance Plans from the comparison, chosen based on flexibility, coverage, and suitability for young adults (around 25 years old), along with their key strengths and potential limitations:
Aditya Birla Super Health Plus Top-Up Plan
Aditya Birla Super Health Plus Top Up plan is among the most popular top up plans, which provides additional coverage over and above the regular health insurance plan. With upto INR 95 lacs* coverage, you can access top-notch medical care at the most affordable premium, without compromising on your health or your finances.
Why It Stands Out
Extremely wide range of sum insured options (₹3 L–₹95 L) and deductibles (₹1 L–₹15 L), making it highly customizable for different budgets.
No pre-policy medical check-up required up to age 65 for higher deductible + sum insured combinations.
Offers optional add-ons like health returns, chronic care, and wellness benefits, which are rare in top-up plans.
Potential Limitations
Add-ons can significantly increase the premium.
The brochure’s benefits can be complex for first-time buyers to interpret without guidance.
Care Enhance (Super Top-Up) Plan
Care Enhance Super Top-up insurance provides additional medical coverage. The policy protects against higher medical costs than those covered by your current health insurance policy. It offers flexibility in managing healthcare spending through deductible selection (1 to 10 lakhs).
Why It Stands Out
Offers two plan variants (Enhance 1 & 2), covering up to ₹55 L with deductible flexibility up to ₹20 L.
Minimal medical underwriting: pre-policy tests are waived below a ₹40 L combined deductible + coverage.
Lifetime renewability and dedicated plan design for high hospitalization coverage.
Potential Limitations
Lower deductible and sum insured combinations may be costlier compared to similar market offerings.
Lacks optional add-on riders like maternity or OPD that some others provide.
ICICI Lombard Health Booster Plan
ICICI Lombard Health Booster Plan is a super top-up health insurance plan designed to provide an additional layer of coverage. It helps cover high medical expenses by considering the aggregate total of all your medical bills within a policy period, not just a single claim, offering a flexible and affordable way to enhance your existing healthcare coverage and protect against unexpectedly large medical bills.
Why It Stands Out
High coverage potential up to ₹1 crore, making it a robust top-up for major medical events.
Available to individuals from 18 to 65 years with minimal medical tests if below 45 years of age or sum insured <₹15 L.
Offers features like emergency services and online wellness resources.
Potential Limitations
Premiums are on the higher side compared to others with similar coverage.
Plan benefits are structured in bundles, limiting granular customization.
Read More - Our Guide on What is Top-up in Health Insurance
What are the Two Types of Top-Up Plans?
Here's a clear distinction between the 2 main types of top-up health insurance policies :
In a regular top-up plan, the deductible applies per claim. For example, if your deductible is ₹3 lakh, you pay that amount for each hospital bill. Anything above is covered.
In a regular top-up plan, the deductible applies per claim. For example, if your deductible is ₹3 lakh, you pay that amount for each hospital bill. Anything above is covered.
How Does a Top-Up Health Insurance Policy Work?
A top-up health insurance plan kicks in after your base policy limit is exhausted. It helps cover high medical bills by offering additional coverage beyond a set deductible.
What are the Benefits of Top-Up Health Insurance Plans?
Top-up plans are well-suited for those seeking enhanced financial cover in the following ways:
Types of Critical Illness Insurance Coverages
When it comes to critical illness insurance, you have two options to choose from. You can either get it as a standalone plan or as an add-on to your existing health insurance. Let’s break down what each option means:
A
Inclusions
B
Exclusions
How Can You Apply for Online Top-Up Health Insurance Plans?
Simply follow these steps:
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How Do You Raise a Claim Under Your Top-Up Health Plans?
You can file a claim for your top-up health plan in two ways: cashless or reimbursement.
A
Cashless Claim Process
B
Reimbursement Claim Process
Disclaimer
