Why You Need Top-Up Insurance
Why You Need A Back Up?
Many of you might think that taking a fresh policy will be a better option instead of taking a top up policy. But according to financial planners taking a top up policy is more convenient instead of fresh policy where higher amounts are concerned, because:
1. Replacing an old policy with new one will be too hectic as you will have to go through many medical tests and procedures.
2. If you take a fresh policy of 
8 lakhs for your parents, the premium will range at least from 25,000 to 40,000. But in case of a top up policy it the premium will be only 4,500 approx.
3. It is also easy to increase the amount if require for top up plans that too without paying too much.
4. The greater the deductible, the contemptible will be the plan. But top-up health plans are intended to viaduct the gap between surviving policies and actual costs.
Nevertheless few things which you should always check are deductible criteria for single illness, pre- and post-hospitalization expenditures, and edges all-encompassing of donor expenses etc.
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