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How to Increase Your Health Insurance Coverage at Lower Cost?

Can I Increase the Sum Insured in Health Insurance?

How to Increase Health Insurance Coverage?

6 Ways to Increase Your Health Insurance Cover at a Lower Cost

Top Tips To Choose The Right Health Insurance

Things to Know About Increasing Health Insurance at Lower Cost

Understanding how to enhance your health insurance coverage is crucial for comprehensive protection.

Insurance Plans Description
Top-Up Plans Top-up plans allow you to increase your existing health insurance coverage without buying a new policy. They activate only after your base policy's limit is exhausted, offering additional financial protection at a relatively low premium.
Super Top-Up Plans Super top-up plans are similar to top-up plans but consider the cumulative medical expenses during a policy year. They are beneficial if you anticipate multiple hospitalisations, as they provide broader coverage once the total expenses exceed a threshold.
Porting Your Policy Porting your health insurance policy allows you to transfer your existing policy to another insurer with better benefits. This can help you get enhanced coverage without losing the continuity benefits like waiting periods for pre-existing conditions.
Adding Riders Riders are add-on covers that enhance your base policy by covering specific risks, such as critical illnesses or maternity. They allow you to customise your policy to better meet your needs without purchasing an entirely new policy.

In many cases, even if you already have a health policy, you might feel that it doesn’t cover all possible medical contingencies. So, suppose you are considering increasing your health cover to get more protection against unexpected medical emergencies. In that case, you can follow these methods to get this coverage without ending up paying a higher premium.

Frequently Asked Questions