What is Top-up Plans meaning in Health Insurance? - Ditto

Health Insurance Glossary

Top-up plans are additional, separate insurance policies that are usually purchased in addition to the base insurance policies. These top-ups have large insurance coverage for a small premium, but they can be used only if one covers the base hospitalization expense (also called the deductible) either from one's own pocket or from the base health insurance policy.

A top-up health insurance plan, for example, may have a sum insured of ₹50 lakhs with a deductible of ₹5 lakhs. This top-up plan will cover expenses above the initial ₹5 lakh, and up to ₹55 lakhs.

This means that the top-up policy will start covering the expense only when the medical bill exceeds ₹5,00,000 in each hospitalization. Individuals can have another base health insurance policy or pay out of pocket for the initial ₹5 lakh health insurance.

These add-on plans are significantly less expensive than standard base health insurance policies.

For more details check out Top up & Super Topup article

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A

Accident Accumulation Period Acute Care Add-on Covers Age Limit Agent Ambulance Cover Annual Renewal Date Any One Illness Automatic Restoration AYUSH Treatment

B

Beneficiary Benefit Blacklisted Hospitals Broker

C

Cancer Insurance Cashless Claims/Treatment Cashless Facility/Hospitalization Certificate of Insurance Claim Claim Settlement Claim Settlement Ratio Co-insurance Co-Pay or Copayment Comorbidities/Pre-Existing Diseases Complimentary Health Check-ups Convalescence Benefit Critical Illness Cumulative/No-Claim Bonus

D

Daily Hospital Cash Day Care Treatment Deductible Dependents Domiciliary Hospitalization

E

Eligibility Emergency Care Exclusions

F

Family Floater Policy First Diagnosis Free Look Period

G

Grace Period Group Health Insurance

H

Health Insurance Tax Benefits Hospitalization

I

Illness Individual Health Insurance Inpatient Care Insurer IRDAI

L

Lapse Long-Term Care Policy

M

Maternity Expenses

N

Network Provider/Hospital No Claim Bonus (NCB)Nominee Non-Network Provider/Hospital

O

Out-Patient Department (OPD)/Treatment

P

Personal Accident Cover Policy Coverage Policy Document Policy Period Portability Post Hospitalization Expenses Pre Existing Disease (PED)Pre Hospitalization Expenses Premium Primary Insured Private Room Psychiatric Cover

R

Refill Sum Insured Reimbursement Renewal Restoration Benefit Rider Room Rent Limit

S

Senior Citizen Health Insurance Specific Illness Waiting Period Sub-Limit Sum Insured

T

Terminal Illness Third-Party Administrator (TPA)

Top-up Plans

W

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