Top up health insurance covers hospitalization (single incidence) in most cases. However, some health insurance top up plans
are customizable since they are floater top ups. These usually provide coverage for pre-existing ailments from day one itself and the remainder is dependent on the insurance company chosen by you. Top-up plans are cost effective in comparison to other regular health insurance policies
. These are usually indemnity plans which have regular coverage and plans that have higher deductibles are usually low-cost options.