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Supplement your health insurance with top-up, critical illness covers

CI cover is useful if you have liabilities; top-up plans cover all diseases

Priya Nair 

If you have a health insurance policy and want to increase the cover, you can do it either by buying a top-up plan or a critical illness (CI) cover. Both offer additional covers at lower costs. But remember, both have different functions.   “Top-up plans work on a cost-sharing mechanism where medical expenses up to the deductible limit have to be borne by the policyholder. The top-up plan will pay for expenses incurred above that limit. Riders like CI help if you have an existing health coverage and are looking for specific critical illness protection,” says ...

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