{"id":2777,"date":"2023-09-15T11:42:39","date_gmt":"2023-09-15T11:42:39","guid":{"rendered":"https:\/\/www.alvinodesign.com\/?p=2777"},"modified":"2023-09-15T11:42:41","modified_gmt":"2023-09-15T11:42:41","slug":"do-you-need-a-top-up-plan-with-family-health-insurance","status":"publish","type":"post","link":"https:\/\/www.alvinodesign.com\/do-you-need-a-top-up-plan-with-family-health-insurance\/","title":{"rendered":"Do You Need a Top-Up Plan with Family Health Insurance?"},"content":{"rendered":"\n
The rising cost of medical treatment has become a cause for concern in today\u2019s world. As you may have noticed, prices for medical services and procedures are steadily increasing. Hence, it contributes to the overall inflation in the healthcare sector. While you might already have afamily health insurancepolicy in place, it\u2019s essential to consider whether it provides sufficient coverage in the face of escalating medical expenses. Here, you can learn the concept of a top-up health insurance plan and why it might be a wise choice for your family\u2019s well-being.<\/p>\n\n\n\n
Medical emergencies and health-related issues can arise unexpectedly, requiring immediate attention and extensive treatment. A top-up health insurance plan bridges the gap between your present health insurance coverage and the rising medical costs. A top-up plan is an additional layer of protection that supplements your existing family health insurancepolicy. It acts as a safety net as it ensures that you\u2019re adequately covered even when medical expenses exceed the limits of your primary policy.<\/p>\n\n\n\n
First, learn how top-up insurance plans work to understand their needs in family health insuranceplans. Generally, there are two types of top-up health insurance plans: the standard and the super top-up. Let\u2019s explore how each type works \u2014<\/p>\n\n\n\n
With a standard top-up plan, you can only file a claim if the individual claim amount exceeds the sum insured by your base health insurance plan. For instance, if you have a family health insurance plan with a sum insured of \u20b910 lakhs and a standard top-up plan with a sum insured of \u20b915 lakhs, you can file a claim under the top-up plan only if the medical expenses for a single incident exceed \u20b910 lakhs.<\/p>\n\n\n\n
A super top-up plan operates on the principle of aggregate claims. It means that even if a single claim doesn\u2019t exceed the sum insured of your base plan, you can still make multiple claims throughout the policy year until the aggregate amount surpasses the sum insured. For example, suppose you have a super top-up plan with a sum insured of \u20b920 lakhs and a deductible of \u20b95 lakhs. In that case, you can file multiple claims as long as the cumulative expenses exceed \u20b95 lakhs.<\/p>\n\n\n\n
As medical costs continue to rise, evaluating the adequacy of yourfamily health insurance<\/a> policy is crucial. A top-up health insurance plan offers a strategic approach to enhancing your coverage without significantly increasing your premiums. With the right top-up health insurance plan, you can enjoy peace of mind knowing that your family\u2019s health remains safeguarded against the uncertainties of medical expenses. It\u2019s time to prioritise your family\u2019s well-being by considering a top-up health insurance<\/a> plan that offers the protection you deserve.<\/p>\n","protected":false},"excerpt":{"rendered":" The rising cost of medical treatment has become a cause for concern in today\u2019s world. As you may have noticed, prices for medical services and procedures are steadily increasing. Hence, it contributes to the overall…<\/p>\n","protected":false},"author":2,"featured_media":2778,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[41],"tags":[],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.alvinodesign.com\/wp-json\/wp\/v2\/posts\/2777"}],"collection":[{"href":"https:\/\/www.alvinodesign.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.alvinodesign.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.alvinodesign.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.alvinodesign.com\/wp-json\/wp\/v2\/comments?post=2777"}],"version-history":[{"count":1,"href":"https:\/\/www.alvinodesign.com\/wp-json\/wp\/v2\/posts\/2777\/revisions"}],"predecessor-version":[{"id":2779,"href":"https:\/\/www.alvinodesign.com\/wp-json\/wp\/v2\/posts\/2777\/revisions\/2779"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.alvinodesign.com\/wp-json\/wp\/v2\/media\/2778"}],"wp:attachment":[{"href":"https:\/\/www.alvinodesign.com\/wp-json\/wp\/v2\/media?parent=2777"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.alvinodesign.com\/wp-json\/wp\/v2\/categories?post=2777"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.alvinodesign.com\/wp-json\/wp\/v2\/tags?post=2777"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}