Top Up Health Insurance

Top Up Health Insurance

Top Up Health Insurance Plans are what you can turn to when you feel you want something more from your medical insurance policy. Our Top Up plans, while supplementing your primary health insurance cover at a low cost, it also comes with a host of attractive additional benefits.

Our plans offer benefits that suit your needs with no room rent restriction, no sub limits, and the option of lifelong renewability.

Need for Top Up Health Insurance

While some of you may be able to self-finance your healthcare costs when need arises; others feel satisfied with their existing insurance cover. But what if the illness is way too critical and expenses tower beyond what you ever imagined or could afford? Considering the growing medical inflation, you sure don’t want that extra burden turning your world upside down. Which is why you need a Top Up health insurance for you and your family.

What it covers?

  • In-Patient treatment
    Hospital stays can be disheartening but we make everything easy and comfortable.
  • Pre-hospitalization
    Before hospitalisation, there are expenses towards doctor consultations, check-ups, and prescriptions.
  • Post- hospitalisation
    Get full coverage of expenses incurred on doctor consultations, rehabilitation charges etc. till 90 days after hospitalisation.
  • Day Care procedures
    Get full coverage up to sum insured on medical procedures that take up less than 24 hours.
  • Organ Donor
    For a noble deed as organ donation, we cover the organ harvesting expenses caused to the donor.
  • Emergency Ambulance
    Absence of timely help can prove fatal. Our policy pays transportation expenses to help reach the nearest hospital if the insured encounters life-threatening injuries.

What’s not covered?

  • Adventure sport injuries
    Adventure sports can give you an adrenaline rush, but when coupled with accidents, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.
  • Self-inflicted injuries
    You might think of causing injury to your precious self, but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.
  • War
    War can be disastrous and unfortunate. However, our policy does not cover any claim that are caused due to wars.
  • Participation in defence operations
    Our policy does not cover accidents while you are participating in defence (Army/Navy/Air Force) operations.
  • Venereal or sexually transmitted diseases
    We do understand the criticality of your disease. However, our policy does not cover venereal or sexually transmitted diseases.
  • Treatment of obesity or cosmetic surgery
    Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.

Why Us?

Top up health insurance policy offers floater benefit to cover you and your dependents for the same sum insured under a single policy. Our Top Up Health is comprehensive, flexible and provides you additional health insurance benefits. We understand the importance of swift response and efficient service in handling claims, which makes it more practical to get Top Up Health insurance through us.

Talk to us today to start protecting yourself at an affordable price and for reliable claims management.

For registration of claims and to learn more about our claims process please contact our dedicated claims team for advice on an incident/claim.

D&O Policy protect company director or officer from legal liability arising out of actual or alleged wrongful acts in managing a company.

  1. The policy covers a wide range of litigation that could arise from customers, vendors, shareholders, employees.
  2. In addition to defence cost, it provides cover for :
  3. Investigation Cost
  4. Entity Protection against Employment Practice Liability claims
  5. Outside Entity Directorship cover,etc.


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