hink your corporate health insurance is enough? Discover why top-up health insurance is a smart, affordable way to boost your coverage and protect your savings.
Many salaried employees assume that their corporate health insurance is sufficient. But with rising medical inflation, limited cover, and job uncertainty, relying solely on your employer’s plan can leave you financially vulnerable. That’s where top-up health insurance steps in — offering affordable and enhanced health insurance coverage. At HealthJini, we help individuals and families choose the best top-up health insurance plans in India tailored to their needs. Here's why a top-up plan is a must-have in your health insurance portfolio.
At HealthJini, we help individuals and families choose the best top-up health insurance plans in India tailored to their needs. Here's why a top-up plan is a must-have in your health insurance portfolio.
Top-up health insurance is an additional policy that covers medical expenses once your base policy — like your employer's health insurance — has been exhausted. It comes with a deductible, meaning it activates only when your existing policy's limit is crossed.
🩺 Example: If your corporate health insurance covers ₹3 lakhs, and your top-up plan covers ₹5 lakhs with a ₹3 lakh deductible, your expenses beyond ₹3 lakhs will be covered by the top-up policy.
1. Low Sum Insured: Most group plans cover only ₹2–₹5 lakhs, which may not be enough for surgeries, ICU stays, or critical illness treatments.
2. Job-Dependent Coverage: If you change jobs, retire, or face a layoff, you lose the corporate coverage — leaving you unprotected.
3. No Lifetime Portability: Corporate health insurance cannot be ported or continued after leaving the company.
4. Limited Family Inclusion: Not all corporate plans cover dependents, or they may come with low coverage or co-payment clauses.
5. Medical Inflation in India: Healthcare costs are rising at 10–15% annually, making comprehensive cover essential.
Top-up health insurance plans are cost-effective because they only cover expenses above the deductible, which helps lower premiums significantly.
Major treatments like heart surgeries, cancer therapies, or ventilator stays often exceed standard corporate insurance limits. A top-up plan ensures complete financial protection.
Top-up health policies are
personal plans
— they stay with you even when you switch jobs or retire.Protect your spouse, children, and even parents with family floater top-up health insurance plans.
Enjoy tax benefits under Section 80D for top-up policy premiums.
At HealthJini.com, we bring you:
💡 Expert advice to compare and choose the best top-up health insurance plans in India
📋 Transparent comparison of premium vs. deductible benefits
📞 End-to-end assistance from policy purchase to claims
🔄 Easy transition from corporate to individual health plans
We partner with India’s leading insurers to ensure you get reliable, hassle-free coverage.
If you're relying only on your employer’s policy, it’s time to rethink. A top-up health insurance plan gives you peace of mind, higher coverage, and financial protection against unexpected medical bills — at a fraction of the cost of a base policy.
23 June 2025
23 June 2025
24 June 2025
24 June 2025
Location:
Skytex, A-64, Sec 63, Noida 201301 (Delhi NCR)
Email:
info@healthjini.com
Phone:
+91-9205128008
