How to tackle your hospital bills with top-up health insurance?

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09 Jun 2023

Tackling Hospital Bills: The Power of Top-Up Health Insurance

The field of healthcare and medicine continuously experiences technological advancements as time moves. Indeed, these improvements lead to medical resources and treatments becoming highly expensive. While savings may help patients cover their expenses when needed, hospital bills can easily make you run out of your savings sooner than expected.

Nevertheless, health insurance is the most suitable solution to deal with costly medical bills. If you are not aware already, health insurance plans are meant to cover any expenses incurred in case of a medical emergency that may require treatment or hospitalization.

Various health insurance plans are being introduced with different features to suit the needs of people. One such feature is called “top-up health insurance.”

Curious to know more about this feature? Let’s read!

What are top-up health insurance plans?

Understanding the top-up health insurance plan can be done easily through this simple example. Whenever you go out with friends for dinner or shopping, it is not that difficult to estimate the amount of your bill. You can even control the bill amount by restricting your expenses on things. But is this ever possible with hospital bills?

Certainly not! You can never predict how much a treatment or hospitalization may cost you. And to cover this amount, you need an extra layer of financial protection, which is exactly what top-up health insurance plans offer!

This is the major difference that separates top-up health insurance plans from regular health insurance plans. When covering your hospital bills, a regular health insurance policy will only pay the amount as per your insured limit.

A top-up health insurance policy shall reimburse any expenses incurred by your medical bills after a specified threshold. Any amount beyond your set limit shall be covered by top-up insurance. This feature is meant to safeguard policyholders against the unpredictability of hospital bills.

Why do you need to get top-up health insurance?

Neither a medical emergency nor the medical bills that may result from it can be predicted in advance. But it is always helpful to be as prepared as possible. So, if you are still wondering about how to tackle unexpected hospital bills, top-up health insurance is just the solution meant for this!

If you have dealt with hospital bills and medical expenses in the past, but you have a regular health insurance plan, then now is the time to upgrade your policy!

Look for health insurance plans that offer a top-up feature to protect your income and savings in a more efficient way. Since you are the one who will be paying the premium bills, it is crucial to scan through various health insurance plans and choose the one that best suits your budget while offering the maximum coverage possible!

Related Blogs

Know the steps involved to claim health insurance

Difference Between a Regular and Comprehensive Health Insurance Plan

Benefits of Buying Health Insurance Policy Online


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Team Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.