A top-up health insurance plan is basically a good way to scale up health insurance coverage without going overboard in terms of costs. You can get more information about health insurance top-up plans here. Many of us often purchase health insurance plans that have limited coverage. In most cases, buying suitable coverage may equate to paying a higher amount in terms of your premium. In these cases, top-up health insurance plans help in scaling up the coverage amounts at lower costs. This plan covers costs of hospitalization but after a certain threshold limit or the deductible is surpassed. This is the portion of the claim amount that is normally not covered by the insurance company and has to be paid by the customer prior to getting the policy benefits.