Buy Up Plan Access

A (often called a top-up plan ) is a cost-effective way to boost your existing insurance coverage by adding an extra layer of protection once your primary policy's limit is reached. How Buy-Up Plans Work

: Premiums paid for these plans are typically eligible for tax deductions under Section 80D of the Income Tax Act.

: It is generally recommended to set your deductible equal to your base policy's sum insured to ensure there is no "gap" in coverage where you'd have to pay out of pocket. buy up plan

: Just like base plans, these often have waiting periods (usually 2–4 years) for pre-existing conditions.

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

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

: If the bill exceeds your base policy's limit, the "buy-up" plan kicks in to cover the remaining eligible expenses up to its own higher limit. : Just like base plans, these often have

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