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Base Vs Top Up Health Insurance Plan

The necessity of Health insurance in challenging times is beyond comparison. A comprehensive health insurance plan stands important for you and your family during medical contingencies.  However, your health policy will cover the treatment and hospitalisation expenses only up to the sum insured amount you have chosen. Any cost beyond it needs to be taken care of by you. For additional coverage, health insurance providers offer top-up plans that take care of the expenses incurred when you exhaust your existing coverage.  In this section, we will discuss in detail the difference between base health insurance and top-up health insurance.


What is Top-Up Health Insurance?

Top up health insurance is an extended cover over and above your existing health insurance plan. It provides an additional sum insured amount that can be used in case you exhaust your current coverage. It is a cost-effective way to increase your health insurance coverage. However, note that top-up health plans can be purchased over and above your base health insurance and not independently.

What is Basic Health Insurance?

A basic or primary health insurance plan is a policy that covers you against any medical contingency. Here, you have to select a sum insured amount when buying the health insurance policy. The policy provides cover for hospitalisation and treatment expenses incurred up to the sum insured amount chosen by you.

Difference Between Top-Up Health Insurance and Basic Health Insurance

Usually, people tend to buy a basic health insurance plan with a high sum insured. That way, health insurance coverage is sufficient in times of need. However, a high sum insured means you have to pay high premiums. With a top-up health insurance plan, you are able to extend the coverage of your health plan when you are about to exhaust the sum insured in health insurance plan.

Many a times, people get confused whether they should opt for a base health insurance with higher sum insured or a policy with top-up plans. If you too are unable to decide between the two, skimp over the below table for a better understanding of base health insurance and top-up health insurance.

Basic Health Insurance with High Sum Insured

Top-Up Health Insurance

Basic health insurance is a policy that covers you against medical contingencies. It provides coverage of up to the sum insured amount chosen by you at the time of buying the policy. The premium of health insurance with a high sum insured will be expensive on your pocket. Use the health insurance calculator to determine the premiums charged on your chosen sum insured amount.

Top-up health insurance is an add-on cover on your primary health insurance plan. Therefore, you need to pay the premiums for it when you opt for the additional coverage. Ideally, the premiums for health insurance with top-up plans are relatively lower compared to health insurance with a high sum insured.

The claim settlement process is hassle-free. Depending on the insurer, you will be able to avail cashless claim settlements or reimbursement claims.

Similar to health insurance with high sum insured, claiming on your top-up health plans is hassle-free. Depending on your insurer, you can avail cashless claims or seek reimbursement.

Basic health insurance plans usually come with a low deductible to pay.

Top-up health insurance plans tend to have a high deductible before the benefit initiates.

Switching to another insurer is easy when it is a basic health insurance plan.

Switching to another insurer with a top-up health insurance plan can be a complicated process.

Basic health insurance is a standalone policy cover.

Top-up health insurance is usually purchased over and above your existing health plan. However, there are certain insurers in India that allow you to buy top-up plans as a standalone policy.



Health insurance is a necessary financial tool when planning your finances. It provides financial support to you and your family in case of medical emergencies, and there are several health insurance tax benefits to avail as well.

No matter what your reasons are to buy an adequate health plan, make sure that you have sufficient coverage that is aligned with rising medical costs in the country. In case you already have a health insurance policy, buy a top-up health insurance plan to take care of your medical expenses if you are about to exhaust your primary health coverage.

You can buy health insurance plans and top-up plans at Finserv MARKETS online. It allows you to benefit from features such as cashless claim settlements, reinstatement benefits, hassle-free renewals, and so on. Moreover, you can readily buy health insurance plans using the Finserv MARKERS App at any time and on the go.

So, don't wait! Get yourself and your family a health insurance plan at Finserv MARKETS, right away.

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✔️How does top-up health insurance work?

Most insurers in India offer top-up health insurance plans as an extended coverage on the existing health policy. So, in case you realise that you are about to exhaust the sum insured, opting for top-up health insurance will cover the exceeding expenses without you having to dip into your life savings.

✔️What are the factors that might influence the top-up health insurance premiums?

Some common factor that can affect your top-up health insurance premiums are as follows -

●     The area of residency

●     Deductible amount

●     Sum insured chosen