What WillBe My Policy Cover If I Buy Top-up Health Insurance?
Why do you have a spare tyre or a Stepney in your car? So you can use this spare tyre as a backup if one of the other tyres becomes punctured.
Similarly, when your medical insurance policy's total insured amount is reached, a top-up health insurance plan works as a Stepney.
A typical health insurance policy only covers hospital expenditures up to the amount of the sum insured, whereas a top-up plan covers you after your current policy exceeds a particular level.