Top-up Health Insurance

Air Ambulance Cover up to ₹50 Lakhs | Lifetime Renewal | In-house Claim Settlement

No Room Rent Capping | No Medical Check-up up to 55yrs | Tax Benefit up to Rs.75,000 | Buy Health Insurance starting @ ₹160 pm check plans

A top up health insurance plan is additional insurance coverage for individuals who already possess a health insurance plan. By purchasing such a plan, you can effectively extend the sum insured beyond what’s provided by the base insurance policy. Once the sum insured offered by your base health insurance policy has been utilised completely, the sum insured provided by your top up health insurance plan comes into effect. This ensures that your medical expenses continue to get covered, even after you exhaust the coverage of your base policy.

Why Do You Need a Top-up Medical Insurance Plan?

Here are a few reasons why you should avail a top-up health insurance plan:

Extra Coverage

Top-up health insurance plans offer a financial backup to your regular health insurance plan. The top-up plan comes to your rescue when your existing plan’s coverage gets exhausted.

High Coverage At Low Premiums

Top-up health insurance is easy on your pockets. So, buying this plan allows you to enjoy comprehensive health insurance at an affordable rate. You can use an online health insurance premium calculator to calculate the premium amount for your policy.

No Medical Test Required

If you are below 55 years and you have a clean proposal form, you can steer clear of any medical tests to buy a top-up health insurance plan.

Tax Benefits

Top-up health insurance plans are eligible for deductions under Section 80D of the Income Tax Act, 1961.

Check Out The TOP-Up Health Insurance Plans Available at Bajaj Markets

The top-up health insurance plans on Bajaj Markets offer a wide range of excellent features. Check out the below table to understand the plans in detail:

Policy name	Benefits	Premium costs
Bajaj Allianz Extra Care Plus	Floater plan which covers your family in a single sum insured No medical tests up to the age of 55 years Cashless claim option in approximately 6000+ hospitals Covers ambulance charges and maternity expenses Claim settlement ratio of 98.61%	Starting at ₹2,194
Aditya Birla Activ Assure Diamond Plan	Maximum coverage from ₹2 Lakhs to ₹50 Lakhs Minimum entry age of 5 years in case of an individual health insurance plan and 91 days for a family floater plan Lifetime renewability option Claim settlement ratio of 99.36%	Starting at ₹3,887
Care Health Insurance Plan	Maximum coverage from ₹3-₹6 Crores Maternity care costs covered Covers ambulance charges Daily cash allowance Co-payment waiver for senior citizens Claim settlement ratio of 100%	Starting at ₹5,277

Disclaimer: The premium costs mentioned are indicative and subject to change based on the policy terms.

How To Buy Top-Up Health Policy On Bajaj Markets

Simply follow the below steps to buy a top-up health insurance plan on Bajaj Markets online:

Step 1: Get a quick quote by entering your details.
Step 2: Select the top-up coverage you need.
Step 3: Provide personal details as mentioned.
Step 4: Review the policy and verify the details.
Step 5: Make the premium payment online.
Step 6: The insurer will issue the top-up plan on your existing health cover in no time.

What is Covered & Not Covered Under Top-up Insurance Plans?

To know better about the inclusions and exclusions of a top-up health insurance plan, take a look at the table below:

Inclusions (What is covered)	Exclusions (What is not covered)
Pre- and post-hospitalisation expenses of 60 and 90 days	Does not cover treatment costs for diseases that have been diagnosed before or within 30 days of purchasing the plan
Covers organ transplantation costs that include one week of hospitalisation charges and medicine costs for one month	Costs of non-allopathic medications
Maternity cover benefit with a waiting period of 12 months	Expenses incurred on dental surgeries or cosmetic treatments
Covers day care facilities for treatments requiring less than 24 hours of hospitalisation	Does not include treatment costs for excluded diseases like AIDS
Covers ambulance charges up to ₹3,000 during hospitalisation	Does not cover treatment costs for mental illness or any other psychological disorders

Why Choose Bajaj Markets to Purchase Top-up Policy

Wondering why Bajaj Markets is the right option for buying top-up health insurance plans? Continue reading!

1. Trusted Companion

A customer base of over 100 million trust us and have availed the service to get the right plan. Choose us and you are sure to enjoy our services too!

2. Quick Claim Settlement

No hassles or long waits during claim settlement! We promise a hassle-free health insurance claim settlement process with no third-party involvement.

3. Insurance Wallet App

You can make the most of Health CDC (Claim by Direct Click)–an insurance wallet app–for instant claim settlement of bills amounting to ₹20,000.

4. Tailor-Made Insurance Plans

If you are looking for plans that cater to specific needs, you are at the right place! With options like lifetime health insurance renewal, we offer the best customised insurance plans.

5. Extensive Coverage

Now get treated at more than 6,500+ empanelled hospitals across India with a sum insured ranging from ₹3 Lakhs to ₹50 Lakhs.

Top-up Health Insurance Plans vs Regular Health Insurance Plans

Health insurance top-ups are just an extension of regular healthcare plans. Yet, both are different in multiple ways. Let’s understand how a top-up health insurance plan vs base plan.

Particulars	Top-up Health Insurance Plans	Regular Health Insurance Plans
Objective	Top-up health insurance plans are an extension of a base policy, providing additional coverage. Since it is an add-on cover, you need to pay an extra premium.	Regular health insurance plans are primary healthcare policies that protect you against unforeseen medical emergencies. The premiums of such base plans depend on the extent of coverage chosen by you.
Claim Process	Claim process is straightforward. Depending on the insurer, you can either avail cashless claims or reimbursement options.	The claim process is effortless. Based on your insurance provider, you can make cashless or reimbursement claims.
Deductibles	Top-up health insurance plans generally have higher deductibles.	Regular health insurance plans come with lower deductibles.
Switching Insurers	Switching to a different insurance provider can be complicated.	Switching to a different insurer is easy.
Type of Plan	Top-up health insurance plans are purchased over and above your base plan for extra protection.	Regular health insurance is a standalone plan.

Top-Up Medical Insurance Plan Claim Process

Now that you are aware of what a top-up health insurance policy is, check out the step-by-step guide on how to claim it.

How to File Cashless Claims

Step 1: Inform your insurer about the incident and visit a network hospital.

Step 2: Submit health insurance plan details and take the pre-authorisation form.
Step 3: The insurer then examines the form, and the hospital is notified about your policy details.
Step 4: Once discharged, the hospital will share medical bills and discharge papers with the insurer.
Step 5: The claim will then be directly settled with the hospital after reducing the co-payment (if any).

How to Get a Reimbursement Claim

Step 1: Share the required original medical documents, hospital bills, and insurance claim forms with your insurer.
Step 2: The insurance provider evaluates the details and may ask for any additional information if required.
Step 3: Your claim settlement is made post verification.
Step 4: You will receive the claim amount based on the policy terms and conditions.

Documents Required for Filing an Insurance Claim

Here is a list of documents you need to submit for raising an insurance claim:

Duly filled claim form
Original copy of hospital discharge summary or card
Prescription and cash invoices from pharmacies and the hospital
An investigation report by the doctor
Medical Certificate
Health insurance policy document
In case of an accident, FIR or Medico Legal Certificate (MLC)

Quick Overview of Health Insurance Top-Up

Health Insurance Plans Available at Bajaj Markets

Bajaj Allianz Health Insurance

Aditya Birla Health Insurance

Care Health Insurance

Health Insurance Top Pages

Government Health Insurance Schemes

Health Insurance Articles

FAQs on Top-up Health Insurance Plans

A top-up health insurance plan offers a range of features. A few of them include:

Convertible to a base health insurance plan
Comes in handy when you exhaust the limit of your base plan
Lifetime renewability option
Health top-up plans are eligible for tax deductions under Section 80D
Offers bonus for every claim-free tenor

Top-up health insurance plans are beneficial when your medical bill (during hospitalisation) exceeds the total sum insured of your base plan.

A basic health insurance plan offers protection for you and your family against financial contingencies that may arise due to medical emergencies. However, what does one do if the total sum insured gets exhausted?

Here’s where an individual top-up health plan helps. It acts as a supplement over and above your existing health insurance plan. If you are bound to change your job, a top-up health insurance is a must as it will supplement your savings especially when the costs incurred due to medical treatment are more than your savings.

Top-up health insurance plans on Bajaj Markets provide the following benefits:

1. Coverage of costs in the event of in-patient hospitalisation

2. Pre- and post-hospitalisation costs (60 days prior and 90 days post-hospitalisation)

3. Certain costs related to organ donor procedures

4. Day care treatment costs

5. Coverage of ambulance expenses in the event of road accidents

The basic eligibility criteria would be your entry age. This should be between 91 days and 80 years.

The factors that can influence your top-up health insurance plan premium are as follows:

Age
Residential location
Deductible
Sum insured

In fact, you can use the online health insurance calculator available on Bajaj Markets to determine the policy cost for your desired coverage and top-up benefits.

Yes. You can buy top-up health insurance online on Bajaj Markets.

Follow these steps to buy Bajaj Allianz Extra Care Plus at Bajaj Markets:

Step 1: Get the quote by entering the details of the person being insured.

Step 2: Select the top-up coverage you need.

Step 3: Provide personal details, as requested.

Step 4: Review the policy and verify the details.

Step 5: Do an online payment of the premium.

Step 6: The insurer will issue the top-up plan on your existing health cover in no time.