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Contributor
Posts: 73
Registered: ‎26-07-2016

Why not just buying top up health policies

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

7 REPLIES 7
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Frequent Contributor
Posts: 125
Registered: ‎31-03-2016

Re: Why not just buying top up health policies

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.

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New Member
Posts: 1
Registered: ‎23-08-2016

Re: Why not just buying top up health policies

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

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Contributor
Posts: 67
Registered: ‎02-08-2016

Re: Why not just buying top up health policies

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

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Frequent Contributor
Posts: 97
Registered: ‎22-08-2016

Re: Why not just buying top up health policies

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

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New Member
Posts: 1
Registered: ‎28-08-2016

Re: Why not just buying top up health policies

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. 

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Contributor
Posts: 49
Registered: ‎31-03-2016

Re: Why not just buying top up health policies

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. 

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Occasional Contributor
Posts: 6
Registered: ‎12-04-2016

Re: Why not just buying top up health policies

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