Why Choose Us

Top Up Health Insurance in India

Extra Medical Coverage Without Extra Premium Burden

Your existing health insurance may not always be enough, especially with rising medical inflation and unpredictable hospital bills. That’s where Top-Up Health Insurance comes in. It offers an additional layer of financial protection at an affordable premium, without the need to buy a new base policy. BTW IMF helps you find the best top-up plans to boost your health coverage smartly and cost-effectively.

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Customize Policy
End to End Claim
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Easy Claim Process
Rising Awareness
Easy Claim Process
How Does It Work?
Your employer’s health insurance covers ₹3 lakh
You buy a top-up plan with a ₹5 lakh sum insured and a ₹3 lakh deductible
If your hospital bill is ₹6 lakh, your top-up plan will cover the amount beyond ₹3 lakh, i.e., ₹3 lakh
If the bill is ₹2.5 lakh, the top-up won’t apply
Key Features of Top-Up Health Plans
Higher sum insured at a lower premium
Works above a fixed deductible limit (threshold)
Can be taken as individual or family floater
Ideal for salaried employees, freelancers, and senior citizens
Tax benefits under Section 80D of the Income Tax Act
Available as a top-up or super top-up (more flexible)
PR and crisis communication support

Insurance is subject to the terms and conditions of the policy. Please read the policy document carefully before making a purchase

Who Should Buy Top-Up Health Insurance?

Individuals with employer-provided health insurance

Families looking to increase cover without spending much

Freelancers and self-employed professionals

Senior citizens whose base cover may be limited

Anyone with a basic retail plan seeking extended protection

Who Needs Cyber Insurance?
What is Covered?
  • In-patient hospitalization
  • Pre- and post-hospitalization expenses
  • Day-care procedures
  • Surgeries, ICU, ambulance charges
  • Organ transplant (in select plans)
  • COVID-19 and other critical illness hospitalization (based on policy)

What is Not Covered?

  • Claims below deductible threshold
  • OPD consultations or diagnostics
  • Cosmetic surgeries, dental procedures
  • Pre-existing diseases (waiting period applies)
  • Self-inflicted injuries, alcohol/drug-related illness
Ready to insure your Top Up Health Insurance? Contact us today at BTW IMF
and let us find the best plan for you!
Contact us now
Why Choose BTW IMF for Your Top-Up Cover?
Compare top-up & super top-up plans from top IRDAI-approved insurers
Choose optimal deductible and sum insured for your risk level
Policy recommendations based on existing base plan
Fast online issuance with minimal paperwork
Full claim assistance and renewal support
Frequently Asked Questions (FAQs)

 Yes, but claims are only valid above the deductible. You’ll need to pay up to the deductible out of pocket or via another policy.

Yes, but usually after a 2 to 4-year waiting period.

Choose a deductible equal to your existing health insurance sum insured to avoid overlap.

 Yes. A super top-up plan considers total hospitalization costs in a policy year, not just one bill.

Yes. Most top-up plans offer cashless facility at network hospitals once deductible is crossed.