Why not just buying top up health policies

[Jack]

Why do people not go for top up health policies only which are cheaper than base health policies?

[hiren]

It is best to opt for a top up health policy with the base health policy because they generally cover the additional expenses occurred during hospitalization.

[ahimanshu@hotmail.com]

Hi, in current scenario, why we cannot adopt restore policy at the time of renewal in reasonable amount and continuity benefit. instated of top up health policies

[seemaM]

Usually, you can receive continuity benefit if you restore your policy with the same insurer for a continuous period of 4 years.

[mandeepS]

Top up is a separate health policy that provides benefits over your existing health policy. Moreover, you can always restore your health policy.

[AB]

It is also a good idea to take a top up cover esp  if you have a base corporate health policy cover, keep in mind medical inflation, which is 2x of our consumer inflation. 

[rizvan]

In my opinion it is cheaper to go for a top up health policy along with your base policy. It should cover one medical emergency if your basic cover has exhausted. 

[mansoorim]

One should go for top up only after one has a base health policy. You should be clear that Top up certainly is not a replacement for having a base policy. You can also consider buying a top up to get additional cover over and above the health cover if provided by your company. It works out well to buy a base policy and then buy a top up at much cheaper cost to supplement your sum insured for an unforeseen situation in future. Buying a regular policy that high a sum insured can turn out to be way too expensive