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How to Increase your Health Insurance Cover?

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Undoubtedly πŸ’‘, healthcare bills have the caliber to drain all your savings. Keeping in mind the rising costs of hospitalization πŸ₯ and medical care πŸ’‰ as well as the life risk presented by the pandemic 😷, getting health insurance cover is your best bailout bet. It not only guarantees hassle-free healthcare facilities but also ensures that your hard-earned money is protected in times of distress. Therefore, you must increase your health insurance cover.


It is important to choose the best policy available online that offers a good cover amount at reasonable premiums. This article talks about the importance of health insurance and how you can increase the health insurance coverage on your policy.

Why should you Buy Health Insurance πŸ€”?

Usually, people feel secure by just buying a term life insurance or creating an emergency fund out of their savings. Although these steps are helpful, their application during medical emergencies is flawed πŸ€·β€β™‚οΈ. 

Life insurance doesn’t provide any funds to get yourself treated whereas, emergency funds should be used to bridge the fund gaps for emergency expenses. Thus, buying health insurance is equally important along with other steps. Here are the benefits of health insurance.

To secure your family’s health πŸ‘¨β€πŸ‘©β€πŸ‘¦β€πŸ‘¦: You can buy a comprehensive health insurance cover that protects your whole family along with you. So, the medical expenses incurred for any of your family members are covered under health insurance.

To ensure quality healthcare facilities πŸš‘: Insurers have tie-ups with renowned hospitals all over the country. You can avail of hassle-free cashless treatment from any of these hospitals during the policy tenure. This ensures that your family gets adequate medical care when needed.

To protect your savings from erosion πŸ“‰: The weight of unforeseen medical expenses can quickly erode your wealth. Health insurance pays for all such expenses so that you get the best treatment without bearing the burden of huge bills.

To cope with rising medical costs πŸ’Ή: The rise in the cost of treatment with technological advancement, complex medical procedures, and expensive medication has caused a steep increase in the cost of treatment. Health insurance can directly cover you against inflation in the healthcare sector.

Free health checkup πŸ‘¨πŸΌβ€βš•οΈ & no-claim bonus πŸ’°: The policyholders and their families are allowed a free annual health checkup to detect early probable health conditions. Also, for the year when you do not claim any medical expenditure, you are allowed a no-claim bonus on your policy.

Tax benefits πŸ’΅: You can claim a deduction of the health insurance premium paid by you for your entire family under Section 80D.

How can you Increase your Health Insurance Cover?

Having discussed the benefits of health insurance, it is evident that a higher medical cover without having to spend higher costs is favorable. So, here are the ways in which you can increase your health insurance cover.

Start young πŸ•Ί: When it comes to health insurance, you are at a greater advantage when you are young. This is because the health insurance premiums are calculated based on your age and present ailments that you suffer. 

At an early age, you are less likely to suffer from high-risk diseases. This makes it easier for you to bag competitive premiums for higher health insurance covers.

Super top-up plans 🎁: You can easily increase your insurance cover without any other restrictions by availing of a super top-up plan. It is different as compared to the usual health insurance. The most important term associated with this plan is the deductible.

Deductible: This is the minimum benchmark value. All medical expenses up to this amount are to be borne by you. If the medical expenses exceed this threshold, then you get full reimbursement from the super top-up plan. 

Buy a comprehensive health policy πŸ‘ͺ: A comprehensive health policy covers all the family members. Such a policy offers higher policy covers against marginally higher premium payments. The best part is that the cover amount on a comprehensive health policy is available for all the family members. 

For example, you buy a comprehensive policy of Rs. 5 Lakhs for 4 members of your family. Here, you can claim the expenses up to Rs. 5 Lakhs even if the same is incurred on only 1 family member. Hence, it gives you flexibility. 

About Plum’s Super Top-up Plan πŸ’

If you wish to get substantial health insurance cover, you should opt for a super top-up plan. Plum’s Super Top-up Plan provides you top-up covers online πŸ’» at reasonably low premium amounts πŸ“‰. Here is how Plum’s Super Top-up Plan works.

  • Policy coverage πŸ—Ό: You get a high policy coverage of up to Rs. 20 Lakhs.
  • Deductible: There are flexible deductible options for you to choose from. You can choose a deductible between Rs. 1 Lakh and Rs. 5 Lakhs. 
  • Funding 🏦 the Deductible: You can fund this deductible either from your pocket or with a basic health insurance policy. By choosing the latter, you can cover all your medical expenses because a super top-up plan acts as an incremental health cover.
  • Multiple hospitalizations πŸ₯πŸ₯πŸ₯: With Plum’s Super Top-up Plan, you can claim the expenses for multiple hospitalizations.
  • Pre- and post-hospitalization: All medical expenses, from 30 days before up to 60 days after the hospitalization, are covered.
  • Zero Copay πŸ˜ƒ: Unlike health insurance, a super top-up plan doesn’t ask you to copay the medical expenses. Hence, you can enjoy the full benefits of the policy without any additional costs.

In the end, it is important to buy a comprehensive health insurance cover for yourself and your family πŸ‘ͺ. You can start early to ensure a higher policy cover or opt for πŸ‘‰ Plum’s Super Top-Up Plan.

If you are an employer, buying a Group Health Insurance πŸ§‘πŸ»β€πŸ€β€πŸ§‘ policy for your employees can help you build trust and loyalty. You can also enjoy the tax benefits.

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Hi everyone! I'm a growth marketer at Plum Insurance. I specialise in crafting functional and structural articles for search engine optimisation. I joined the insurtech space in 2018 and have been writing ever since. Also, I'm fluent in intermediate Python 🐍 as well.