Buy Up Plan Info

Buy-up plans operate based on a (or threshold limit). The plan only activates once your medical bills cross this specified amount.

: It is generally recommended to set your deductible equal to your base policy's sum insured to ensure there is no "gap" in coverage where you'd have to pay out of pocket. buy up plan

: Premiums paid for these plans are typically eligible for tax deductions under Section 80D of the Income Tax Act. Buy-up plans operate based on a (or threshold limit)

: Ideally, choose a buy-up plan that shares the same network of hospitals as your base plan to simplify cashless claims . : Premiums paid for these plans are typically

: Many insurers do not require a pre-policy medical check-up, especially for younger applicants.

: Your primary insurance (e.g., an employer-provided plan) pays for the initial hospitalisation costs.

: Premiums are significantly lower than buying a second standalone policy because the deductible reduces the insurer's risk.