Buy Up Plan -

: Your primary insurance (e.g., an employer-provided plan) pays for the initial hospitalisation costs.

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

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. buy up plan

Once the yearly aggregate deductible is met, all subsequent claims are covered. Severe, one-time medical events. Chronic issues or multiple hospitalisations. Key Benefits

: Ideally, choose a buy-up plan that shares the same network of hospitals as your base plan to simplify cashless claims . : Your primary insurance (e

Buy-up plans operate based on a (or threshold limit). The plan only activates once your medical bills cross this specified amount.

: 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 Triggered by cumulative expenses in a year

: You can pay the deductible amount out of your pocket or through your base health policy. Standard Top-Up vs. Super Top-Up