A health insurance top up plan will be hugely beneficial when you have taken a health insurance plan with low coverage and need to increase it without scaling up your costs. The key benefit is that you do not have to pay the higher premiums needed if you want to increase your coverage amount in a regular manner. Instead, you can get a cheaper top-up plan which will not be as costly. You can get added coverage by paying a lower premium and save on costs. These plans are very useful when the threshold limit of your current health insurance plan is surpassed.