As healthcare costs continue to soar and uncertainties surround us, securing comprehensive health insurance has become an essential shield for safeguarding one’s well-being and financial stability. 

Basic health insurance plans give us some coverage, but they might not be enough to provide coverage for all the medical possibilities. This is where top up health insurance comes in. These plans add extra protection to one’s existing coverage and help fill the gaps that regular plans might leave.

But what are the top-up plans? How do they work? This article will explore all one needs to know about top up health insurance policies.

What is a top up Healthcare Plan?

A top up healthcare plan is insurance that helps cover additional medical expenses not fully covered by a regular health insurance policy. It serves as an extra layer of security, giving financial assistance when existing health insurance coverage is insufficient for certain medical procedures or services. 

People frequently choose top up health insurance policies to lower out-of-pocket payments and provide access to more comprehensive treatment without fear of exorbitant prices.

What Treatments are Covered Under top up Healthcare Plans?

A top-up plan offers various treatments. Some of them are:

  • Hospitalisation expenses, including room charges, nursing, and ICU charges.
  • Surgical expenses include surgeon’s fees, anaesthesia, and operation theatre charges.
  • Diagnostic tests and laboratory services.
  • Medication costs (partially or fully).
  • Outpatient treatments and consultations with specialists.
  • Pre and post-hospitalisation expenses.
  • Ambulance services.
  • Organ transplant expenses.
  • Maternity and newborn care (specific plans may offer this as an optional add-on).
  • Alternative therapies like Ayurveda, Homeopathy, etc. (some plans may cover these).
  • Mental health treatments (coverage may vary).

How Does a top up Healthcare Plan Expand Your Existing Insurance?

A top up healthcare plan expands the coverage of a policyholder’s existing health insurance policy in various ways. Some of the ways are:

1. Increased Coverage Limit

The regular health insurance policy has a coverage limit, beyond which it will not pay for medical expenses. The top up plan kicks in when the costs exceed this limit, allowing policyholders to avail higher coverage overall.

2. Broader Range of Treatments

While a policyholder’s regular insurance may cover basic medical costs, a top-up policy often includes coverage for critical illnesses, advanced treatments, and specialised medical procedures. This broader range of treatments ensures they can access advanced healthcare options when needed.

3. Reduced Out-of-Pocket Expenses

With a top-up healthcare plan, policyholders may reduce out-of-pocket spending when medical bills surpass their usual insurance coverage. It provides financial relief and prevents them from depleting their savings during medical emergencies.

4. Affordable Premiums

Top-up policies typically have lower premiums compared to comprehensive health insurance policies. It makes it a cost-effective way to increase the policyholder’s coverage without needing an expensive upgrade to their primary insurance.

5. Continued Coverage for Chronic Illnesses

Some health insurance policies may cap coverage for chronic illnesses or pre-existing conditions. A top-up policy can extend coverage for such situations, ensuring individuals have continuous access to medical care.

6. Flexibility in Choosing Deductibles

Top-up policies often allow policyholders to choose the deductible amount, which is the threshold of medical expenses that must be reached before the top-up policy starts covering costs. This flexibility lets policyholders customise the plan based on their healthcare needs and budget.

Who Should Buy a top up Healthcare Plan?

A top up medical insurance plan can benefit specific individuals. Those are:

1. Individuals with Basic Health Insurance

A top up policy can be wise if someone already has basic health insurance with limited coverage. It expands their coverage without switching to a more expensive comprehensive mediclaim policy.

2. Families with Young Children

Accidents or illnesses may result in unexpected medical bills for families with young children. A top up policy provides extra financial protection, ensuring the family can access higher medical coverage when needed.

3. Seniors and Pre-Retirees

As people age, they may require more frequent medical attention and treatments. A top up healthcare plan can supplement their existing health insurance, offering better coverage during their golden years without significantly increasing premium costs.


Top up health insurance plans present a promising solution for those seeking comprehensive protection and peace of mind in the face of unforeseen medical challenges. These policies bridge the gaps left by traditional health plans.

For those looking to secure their health and well-being, a prudent step would be to explore the offerings of Niva Bupa Health Insurance. With their track record of providing reliable and comprehensive coverage, Niva Bupa stands ready to cater to the diverse needs of individuals, promising a brighter and healthier future.