Medical expenses are constantly rising, to add to that, the cost of Health Insurance can increase with time. However, the coverage or sum assured of your Health Policy or Medical Insurance often remain the same. Imagine a situation where you or one of your family members is hospitalized or diagnosed with an illness, however, the sum insured offered by your Health plan is inadequate. Such situations are not only a danger to your life but also to your finances. In such a scenario, a Health Insurance Rider or Top-up Plan can help increase your coverage as per your needs.
By buying a Health Policy rider or top-up plan, you can be assured of adequate coverage, should your medical bills overshoot the sum insured amount of your base Health Plan. At Finserv MARKETS, we offer ‘Extra Care Plus’ Top Up plan to ensure that your medical expenses are fully covered.
Benefits Offered Under Top Up Plans:
Sum Insured up to Rs. 50 Lakh
You can secure the sum insured starting from Rs. 3 Lakh to Rs. 50 Lakh in addition to the sum assured under your basic health cover. So, if you think, your basic health coverage offers a small coverage, you can opt for the Extra Care Plus top-up plan and secure adequate coverage.
Organ Donor Cost
Most basic Health Insurance plans don’t cover organ transplantation costs. By choosing a top up, you can secure protection against certain costs that are part of organ transplantation.
Maternity Benefit Cover
If you are thinking of starting a family soon, this cover could be highly beneficial. The top-up plans will cover all maternity-related charges along with any expenses that may arise from delivery complications. However, you can avail of this benefit only after a waiting period of 12 months.
Pre and Post Hospitalization Expenses
All costs incurred 60 days before and 90 days after hospitalization will be covered. Hence, costs such as doctors’ fees, ICU and OT charges, and charges for purchasing blood, medicine, and oxygen will be covered.
Lifetime Renewal Feature
As your age advances, the chances of getting Health Policy coverage gets slimmer due to increased health risks. However, with Extra Care Plus top-up plan available on Finserv MARKETS, you get the health insurance benefits of lifetime renewal. Therefore, you can renew your Health policy even during old age, without any age restrictions, whatsoever.
Air Ambulance Coverage
In case you require emergency medical assistance while outside the city, you can secure coverage for the cost of being air-lifted. An air-ambulance coverage is extremely helpful if you live in a city where certain medical facilities are not available and may require the patient to be moved to another hospital in a different city.
As you can see, Health Insurance Top Up Plans /Riders offer plenty of amazing benefits that can help you overcome any medical emergency without straining your finances. If you want to buy or know more about ‘Extra Care Plus’ Top Up plan visit Finserv MARKETS.
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