Extended coverage at lower premiums
Maternity cover included
Free health check-up
Top-Up Insurance differs from a basic health insurance plan in several key ways, primarily regarding coverage and cost structure. While a basic health insurance plan covers medical expenses from the first rupee incurred, a top-up plan provides additional coverage only after a predefined deductible limit is exceeded. This means Top-Up Insurance is activated only when the medical expenses surpass the deductible threshold, which is not true with basic health insurance.
Consequently, top-up plans generally have lower premiums than standard health insurance plans for the sum insured. Top-up policies supplement existing health insurance, offering higher coverage limits and protecting against significant medical costs.
Another difference lies in the range of benefits; top-up plans like Bajaj Allianz’s Extra Care Plus often include coverage for pre-existing diseases after a waiting period, maternity cover, and emergency ambulance services, enhancing overall protection.