Buy Up Plan ◆ [Proven]

: If the bill exceeds your base policy's limit, the "buy-up" plan kicks in to cover the remaining eligible expenses up to its own higher limit.

: Your primary insurance (e.g., an employer-provided plan) pays for the initial hospitalisation costs. buy up plan

: It is generally recommended to set your deductible equal to your base policy's sum insured to ensure there is no "gap" in coverage where you'd have to pay out of pocket. : If the bill exceeds your base policy's

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

Before purchasing, review these factors to avoid coverage gaps:

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

Understanding the difference between these two is critical for selecting the right coverage: Standard Top-Up Plan Super Top-Up Plan Triggered per single hospitalisation. Triggered by cumulative expenses in a year. Multiple Claims Deductible must be crossed for each new claim.