What is Top-up health insurance?

[tigershark]

Hi, I have heard about "Top-up health insurance or medicalim policy" - what is this?

Please tell the pros and cons of a top up health insurance policy?

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[PolicyWala]

If you already have medicalim policy taken up by yourself or by your company (Group Mediclaim Policy), then instead of taking another mediclaim policy we can take Top up policy, so that with lower premium we will be covered ourself for high sum insured.
Presently Some PSUs are selling this product.

[Expert]

Top Up policy will help individuals top up their existing cover and Super Top Up policy will help when the total hospitalization expenses during the policy period exceed the threshold level chosen.
You can buy Top up cover even if you have health cover from some other insurance company. Since there is no contribution clause, if a policyholder has health insurance policies from two insurers, each insurer will pay its part of the claim.

[jkdas]

Hi, I have heard about "Top-up health insurance or medicalim policy" - what is this?
Please tell the pros and cons of a top up health insurance policy?

Good Article - Will give answers to all your questions -
http://www.rediff.com/money/2009/jan...-insurance.htm