Why Do You Need a Top-up Health Insurance Plan?
Here are a few reasons why you should avail a top-up health insurance plan:
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.
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.
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 Insurance 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 Health 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 Health Insurance Plans
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.
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 Health 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)
