Buy Up Plan -

: Many insurers do not require a pre-policy medical check-up, especially for younger applicants.

Once the yearly aggregate deductible is met, all subsequent claims are covered. Severe, one-time medical events. Chronic issues or multiple hospitalisations. Key Benefits

Before purchasing, review these factors to avoid coverage gaps: buy up plan

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

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 : Many insurers do not require a pre-policy

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

: Premiums are significantly lower than buying a second standalone policy because the deductible reduces the insurer's risk. Chronic issues or multiple hospitalisations

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