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Frequently Asked Questions (FAQs)

When do you need a top-up health insurance plan?

Most of the health insurance plans cover all the health-related needs but you may end up requiring additional funds, in case there is a medical emergency. Also, with rising medical costs, it is advisable to have an extra care cover, so that you are always ready financially.

Can my top-up health insurance premium be used to save tax?

Yes, the premium paid for top-up health insurance plan is exempted under tax as per sec 80D under the Income Tax Act. You can save up to Rs. 60,000.

What does health top-up plan cover?

A health top-up plan can cover any medical expenses for you and your family that arise due to an illness or an accident.

What are the documents required for a top-up health insurance plan?

You will need an age proof, identity proof, and an address proof to apply for a health insurance top-up plan. You will not require a medical test until 55 years of age, subject to a clean proposal form.

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