Buy Up Plan Apr 2026

A (often called a top-up plan ) is a cost-effective way to boost your existing insurance coverage by adding an extra layer of protection once your primary policy's limit is reached. How Buy-Up Plans Work

: Premiums are significantly lower than buying a second standalone policy because the deductible reduces the insurer's risk. buy up plan

Understanding the difference between these two is critical for selecting the right coverage: Standard Top-Up Plan Super Top-Up Plan Triggered per single hospitalisation. Triggered by cumulative expenses in a year. Multiple Claims Deductible must be crossed for each new claim. A (often called a top-up plan ) is

Before purchasing, review these factors to avoid coverage gaps: Triggered by cumulative expenses in a year

: It is generally recommended to set your deductible equal to your base policy's sum insured to ensure there is no "gap" in coverage where you'd have to pay out of pocket.

: Just like base plans, these often have waiting periods (usually 2–4 years) for pre-existing conditions.

: If your buy-up plan is tied to an employer-provided group policy, remember that leaving the job may end that additional coverage. A Handbook to Top-up and Super Top-up Plans - Policy bazaar