Top Up Health Insurance

Add a top-up plan to your health insurance to assure the best coverage you can get.

What is a Top-Up Health Insurance Plan?

A sudden health crisis in the family may lead to complete exhaustion of the sum insured of your existing health insurance. But if you still need money to cover the treatment expenses, you can add a top-up plan to your pre-existing health insurance plan. Health insurance companies have health top-up plans to help their policyholders.

A top-up plans are the best way to go if you want to increase your family plan’s insured amount. It also works for individual plans. Just download the Navi app and sign-up for top-up insurance.

Features and Benefits of Top-Up Health Insurance

Navi’s top-up policy offers many benefits to your family or individual health plan. Here is a list of its features and benefits:

Higher Coverage

The top-up Mediclaim policy of Navi offers you a chance to increase the sum insured amount of your pre-existing health insurance, thus giving you more coverage for emergency medical issues. This means that if you run out of coverage from your previous insured sum, you can use the top-up money for the treatment.

100% Paperless Process

Skip the heavy paperwork while getting your top-up policy. If you already have insurance and the Navi app downloaded, follow some simple steps to get a top-up plan added to your insurance.

Pandemics are Covered

With the rising cases of COVID-19 in the country, you need a health insurance plan that offers coverage for pandemic-related health issues as well. Navi’s top-up health insurance policy offers coverage for COVID-19-related treatment costs.

Cashless Treatment

Navi has more than 10,000 network hospitals all over the country. You can avail of cashless treatment at any network hospital if you have the Navi’s top-up health insurance plan. Meaning, you don’t have to pay anything from your own pocket.

Tax Benefits

Navi’s top-up plan offers exciting tax deductions on premiums paid under section 80D of the Income Tax Act of India.

Flexible Deductibles

Enjoy flexible deductibles. You can choose to pay them only once. It also allows you to raise claims multiple times as per your policy terms. The policyholders can also choose a limit for the deductible amount depending on the existing health insurance plan.

*Terms and Conditions Apply

Health Insurance Policy Inclusions

100% Hospital Bill Covered

We cover your entire hospitalisation bill along with other related medical expenses from 90 days before to 180 days after hospitalisation

Pre and Post Hospitalisation

With Navi Health Insurance Plan, you get comprehensive medical coverage 90 days before hospitalization and 180 days after

Hospitalisation at Home

Get medical treatment at home for 3 or more days due to patient’s adverse health condition or unavailability of hospital bed

Unlimited Online Consultations

You can get unlimited online doctor consultations with the top doctors of the country at to additional cost

Additional 100% Sum Insured for Accidental Injury

For road accident injuries, we provide additional 100% sum insured once existing sum insured amount is exhausted

Organ Donor Expenses

We cover organ donor’s hospitalisation cost

Air Ambulance

Get up to ₹5 Lakh for emergency transfer via air ambulance

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

New Born Baby Benefits

Hospitalisation expenses of up to ₹10,000 for newborn baby within 90 days of birth

Why Do You Need a Top-UP Mediclaim Policy?

An extra top-up added to your insurance ensures that you will gain almost full coverage for all the treatments your family might need. It’s an efficient safeguarding method against medical emergencies.

Extra Coverage

Old age can bring a lot more ailments and uncertainties. Staying protected at all times is the wisest choice. A top-up plan might be the best idea. Getting an insurance policy with more coverage to protect not just yourself but your family too will leave you stress-free.

Easy Claim Process

With most of Navi’s insurance policies processed online without any heavy paperwork, our insurance claim procedure also happens online and without a hassle. You can claim your coverage money easily without breaking a sweat.

Range of Coverage

Navi’s top-up plan offers a whole array of coverages such as daycare treatments, in-patient hospitalisation, pre and post-hospitalisation coverage and much more. This makes it one of the best top-up health insurance plans in the market.

Flexible Claim Options

We want you to have flexible claim options in case you need them. Navi offers cashless and reimbursement claim options.

Optional Coverages Available

Extra coverages are optional but available in case you want to get one added to your coverage. Just talk to your insurance advisor and choose a plan that is best for you.

No Hidden Charges

We do not have any hidden charges. Read all the terms and conditions before you get the insurance to avoid any surprises.

Tax Benefits

You can claim tax deductions of up to ₹25,000 on your top-up plan under Section 80D of the Income Tax Act of India.

How to Buy a Top-Up Medical Insurance Plan

If you are looking for a top-up plan to increase your health insurance coverage, then the Navi’s top-up plan is the way to go.
Just download the Navi app and follow these simple steps:

Get the Navi app

Download the Navi app from Play Store or App Store

Chat with our insurance advisor

Navi’s insurance advisor will ask a few questions

Get an Instant Quote

Get a quote right away that is based on your health and personal information

Pay Your Premium Amount

Pay insurance premiums via EMIs at ₹235 per month

Gain Access to Your Policy documents

Get instant access to your policy-related documents

How to Buy a Top-Up Medical Insurance Plan

Network Hospitals

How to File Claim for Top-Up Health Insurance Plan

Both cashless and reimbursement claim options are available under Navi’s top-up plan. Here is how you can file a claim for both methods easily:

Cashless Claim Process

Select your admittance date
Visit your nearest Navi network hospital
Go to the insurance help desk and provide the following details
- Insurer – Navi General Insurance
- TPA – Medi Assist
Keep your policy document and ID proof ready for reference

Reimbursement Claim Process

Select your admittance date and hospital
Upload all the medical documents on the Navi App
Track your claim with our claims tracker
You will be notified once your claim is approved

How to Choose the Right Insurance for Yourself?

Sum Insured

Considering the rising medical costs, try to buy a policy that provides adequate cover. A policy with a low coverage amount may not be sufficient for you and your family. Navi Health Insurance offers health cover up to Rs.1 crore*

Cashless Settlement

Insurance companies have tie-ups with hospitals, commonly known as network hospitals. Check if your insurer provider has a long list of network hospitals. You can get cashless claims in 10,000+ network hospitals with Navi Health Insurance

Claim Settlement Process

Every insurer looks forward to a hassle-free claim settlement process and every quality insurance company strives to maintain an excellent claim settlement ratio. With Navi Health Insurance, claim settlement is a breeze

Affordable Premium

There should be a balance between insurance cover and premium. Considering affordability as a major factor, we have introduced insurance premium payments in EMIs. Our insurance premium EMIs start at just Rs.235/month*

Know Your Requirement

Your requirements can include the sum insured, how many members you are planning to add, the ailments you want to be covered, etc. Understand your requirements and purchase a policy to maximise on policy benefits

Waiting Period

Waiting period is the time span during which you cannot claim some or all of the benefits of your policy. It is crucial to know the waiting period for various ailments mentioned in your policy to make an informed decision.

Top Hospitals In Cities

Different Type of Health Insurance

Trusted by Millions of Users

1 M+

App Downloads

1 L+

Loan Sanctioned

1 Cr+

Loan amount disbursed

1 L+

Active Loans

What our customers say about us

My whole claim experience was hassle free & very good, both during admission and discharge time. I have already recommended Navi Health Insurance to many friends & will continue doing so.

The best thing about Navi Health insurance was completely paperless buying experience and great customer support. I found Navi health insurance to be most affordable policy with amazing benefits

I was happy with the overall claim experience. Most important part was it was cashless and I got quick response by Navi team. Will definitely recommend Navi Health Insurance to family and friends!

Frequently asked questions

What is top-up in health insurance?

A top-up in health insurance is just an addition to your pre-existing health insurance plan to ensure that your coverage is increased and can take better care of your and your family’s medical emergencies. With constantly increasing medical costs, a top-up plan is used when you think your current plan will not suffice for your family in times of crisis.

What is a network hospital?

A network hospital is one that is connected to an insurance provider through an agreement. They offer cashless treatment to policyholders who visit them for treatment. A network hospital is a very important part of any health insurance provider. Navi has over 10,000 network hospitals across the country where our policyholders can go to get treated through a cashless process.

What is not covered under the Navi top-up plan?

All health insurance plans come with some inclusions and exclusions that you need to be aware of before you get the insurance plan. Similarly, the Navi top-up plan also has some exclusions that you need to be aware of. It does not cover plastic surgery, experimental treatment, dental treatment without hospitalisation and drug/ alcohol abuse-related medical emergencies. Read the terms and conditions of the Navi top-up health insurance policy to know more.

What is the cashless treatment?

Navi offers cashless treatment options for our insurance holders. You can visit any Navi network hospital in your vicinity and present them with your insurance papers. If your emergency is covered under the agreement, then you can avail of cashless treatment in that hospital.

Do top-up plans work for family health insurance?

Yes, top-up and top-up plans work the best for family health insurance plans. With the rise in medical costs, you cannot always depend on your old family health insurance plan for full treatment coverage. It is in your family’s best interest to get a top-up plan that will significantly increase coverage.

Is it possible to get a higher deductible for a top-up plan?

Yes, deductibles are quite flexible in top-up plans. You can choose to get a higher deductible if your policy terms agree with it. You can also get a top-up without a pre-existing health plan. In that case, you will have to pay the expenses for your treatments until you go over the deductible amount.

Blogs

Apr 15

How To Claim Health Insurance And What To Do If The Claim Is Rejected?

It’s wise to be prepared for a sudden medical emergency. A health insurance policy can provide necessary financial support to get medical treatment in time.

Mar 07

10 Best Health Insurance For Parents In India Covering Age-Related Ailments

The perks of health insurance for parents include a higher insured sum and full coverage for a wide range of ailments arising due to age.

Apr 30

Features & Benefits Of Different Types Of Health Insurance Policies

Health insurance offers financial protection in case of medical emergencies that may arise due to an accident or critical illness.

Know More

Explore our videos

Watch this video on YouTube

What is Auto Restoration? | Auto Refill Benefit in Health Insurance | Navi Health Insurance

Watch this video on YouTube

Navi Health Insurance - Policy Benefits, Exclusions, Waiting Period | Navi

Watch this video on YouTube

How to save Income Tax with Health Insurance | Section 80D of I-T Act | Hindi | Navi-pedia videos

View all

Know More About Navi Health Insurance

What is a Top-Up Health Insurance Plan?

Top-up in health insurance is an additional coverage plan that is usually added to your pre-existing health insurance, be it an individual or family plan.
The function of a top-up plan is to basically increase the coverage amount of your insurance and make sure you are ready for any medical emergency. If your claim exceeds the deductible, a top-up plan can cover the extra medical expenses for a single claim. But with Navi’s top-up plan, you can get coverage on multiple claims beyond your deductible. With rising medical costs, adding a top-up medical insurance plan to your health insurance policy is the best bet.

How Does the Health Insurance Top-Up Policy Work?

The top-up health insurance is basically an extension of your existing health plan. You can get a top-up without a health plan, in which case, you will have to pay for the treatments out of your pocket until you reach the deductible amount.
Your current plan might not protect you against all medical ailments because of the rising expenditure. In that instance, you should get a top-up plan to extend your insurance coverage. That way, you can protect yourself and your family better. The top-up plan is a better option than the normal top-up as it lets you make multiple claims once your deductible amount is reached.

Advantages of a Top-Up Health Insurance Plan

Here are some of the advantages of getting a top-up health insurance policy:

Extra Coverage

A top-up plan gives you extra added coverage when your deductible is exhausted on your current medical insurance plan. Hence, you are ready for more serious medical emergencies and will not have to pay out-of-pocket expenses when you go over your deductible amount.

Extra Optional Coverage

Navi’s top-up Mediclaim policy covers added costs other than the ones already present on your insurance plan. Depending on your plan, you can have a waiver of mandatory co-payment or daily allowance added to your coverage as well.

Affordable Premiums

At Navi, all our plans have affordable premium options as well as EMI options at just ₹235 per month. You can choose the top-up plan that suits your family the most and get a premium quote from us.

Covers All Medical Costs

Other than some exclusions, Navi’s top-up plan covers all kinds of medical expenses, including ICU room rent, pre and post-hospitalisation expenses, annual medical check-ups and day-care procedures.

Protection Against Lifestyle Ailments

Our fast lifestyle has brought many problems with it, and one of them is a plethora of diseases. But with a top-up plan, you can protect your family against these diseases as it allows multiple claims to be made after the deductible is exhausted. Protect your family better with this policy.

How to Choose the Right Top-Up Health Insurance

Here are some of the things you need to check while choosing a top-up health insurance policy:

Affordability

See if the plan is affordable and the premium is low. That way, you can get the best plan for a small amount of money. You should not have to exceed your budgetary limits for health insurance.

Network Hospitals

Check if your insurance provider has ties with multiple top-ranked hospitals in the country so that you can get the best treatment anywhere. Navi has ties with more than 10,000 top hospitals in India.

Policy Inclusions and Exclusions

Check what facilities and coverages are included and excluded from the top-up insurance plan before you buy one. It is important to see what you will be protected against if the need ever arises.

Top-Up vs Super Top-Up

Top-up plans are good. But they only let you make a single claim for medical expense coverage after it goes above the deductible. However, with a super top-up plan, you can make multiple claims, and the super top-up will pay the rest, that is, as long as the deductible is paid.

How to Save Tax with Top-Up Health Insurance Policy?

Every health insurance plan comes with tax deduction benefits under Section 80D of the Income Tax Act. Navi’s top-up health insurance plan is no different. You can claim tax deductions of up to ₹25,000 on the premiums paid for the top-up health insurance.

Individual vs Top-Up Health Insurance Plan

How to Calculate Premium for Top-Up Mediclaim Policy

The premium one has to pay for any health insurance plan depends on many factors like the nominees’ age, pre-existing health conditions, personal habits, locations, and much more. Based on all the details you share with your insurance advisor, the insurance company will share a quote with you.

What are the Factors that Can Affect the Top-Up Health Insurance Premium?

Here are some factors that affect the premium of a top-up health insurance plan:

Age of the Insured: Age is a big factor in medical insurance. With age, the premium amount also increases. Usually, senior citizens have the highest premium rates as they are more likely to fall sick under normal circumstances. Hence, age will be an important factor when deciding the premium of your top-up insurance.
Location: Usually, people who live in more polluted cities have to pay more premiums as they are more prone to lifestyle-related illnesses.
Personal Habits: Some personal habits like drinking and smoking will have an effect on your premium amount. Usually, these cause more health issues than normal. So it is understandable why people who smoke or drink will have to pay more premiums.
Pre-Existing Disease: If you or one of your family members have any pre-existing health conditions then it might result in a higher premium amount. Pre-existing conditions like asthma or diabetes make people more vulnerable. So the premium amount for these people is also high.
Optional Covers: The more optional covers you take, the higher your premium will be. It is better to pay a little more money and secure yourself against the most possible threats with add-on optional coverages.

Health Insurance Terms

Top-up health insurance plans are associated with a lot of technical jargon. To know your policy inside out, learn some of the most important health insurance terms here with us:

1. Deductible: In a health insurance plan, the higher your deductible amount is, the lower your premium will be. A deductible is basically a cost-sharing process in health insurance. It can be a percentage of the claim amount or a fixed amount. The policyholder pays the deductible amount, and then the coverage starts from the insurer’s side.
2. Primary Care Physician: A PCP or primary care physician is a physician who is the primary contact of a group in a health insurance plan. They provide primary medical care to the people under a health plan or refer them to specialists when needed.
3. Copayment : This is a cost-sharing process or requirement where the policyholder agrees to pay a certain percentage of the hospital bill along with the insurer. The insurer will charge a lesser premium if the co-payment amount is high. The sum insured remains the same.
4. Dependents: The unmarried children and spouses of an insurance holder are usually known as the dependents. The policyholder bears the entire cost of the policy, which benefits the dependents.
5. Premium : The premium is the amount you have to pay periodically if you want to avail of the coverage benefits of the insurance plan when necessary. The amount is decided beforehand and remains the same if the sum-insured amount remains the same.

Health insurance is a very important part of our modern-day lives as humans. It protects us from unpredictable medical emergencies and expenses. You can protect your loved ones even better if you add a top-up to your existing health plan to make the coverage amount more beneficial for an emergency situation. Explore Navi’s top-up health insurance plans to secure your future. Download the Navi app now!

Top Up Health Insurance

What is a Top-Up Health Insurance Plan?

Features and Benefits of Top-Up Health Insurance

Features and Benefits of Top-Up Health Insurance

Health Insurance Policy Inclusions

100% Hospital Bill Covered

Pre and Post Hospitalisation

Hospitalisation at Home

Unlimited Online Consultations

Additional 100% Sum Insured for Accidental Injury

Organ Donor Expenses

Air Ambulance

Complimentary Health Checkups

Maternity Benefits

Complimentary Health Checkups

Maternity Benefits

New Born Baby Benefits

Health Insurance Policy Exclusions

Dental Treatment

Eye Treatment

Alcoholism/Drug

Alcoholism/Drug

Why Do You Need a Top-UP Mediclaim Policy?

Extra Coverage

Easy Claim Process

Range of Coverage

Flexible Claim Options

Optional Coverages Available

No Hidden Charges

Tax Benefits

How to Buy a Top-Up Medical Insurance Plan

How to Buy a Top-Up Medical Insurance Plan

Network Hospitals

Manipal Hospital

Aster Hospital

Manipal Hospital

Aster Hospital

How to File Claim for Top-Up Health Insurance Plan

How to File Claim for Top-Up Health Insurance Plan

How to Choose the Right Insurance for Yourself?

Sum Insured

Cashless Settlement

Claim Settlement Process

Affordable Premium

Know Your Requirement

Waiting Period

Top Hospitals In Cities

Manipal Hospital

Apollo Hospital

Fortis Hospital

Max Healthcare

Different Type of Health Insurance

Trusted by Millions of Users

What our customers say about us

Dinesh Kumar

Sanjeev Kumar

Nitin Gadekar

Frequently asked questions

Blogs

How To Claim Health Insurance And What To Do If The Claim Is Rejected?

10 Best Health Insurance For Parents In India Covering Age-Related Ailments

Features & Benefits Of Different Types Of Health Insurance Policies

How To Claim Health Insurance And What To Do If The Claim Is Rejected?

10 Best Health Insurance For Parents In India Covering Age-Related Ailments

Features & Benefits Of Different Types Of Health Insurance Policies

Explore our videos

Appstore

Playstore

Company

Products

Resources

Useful Links

What is a Top-Up Health Insurance Plan?

How Does the Health Insurance Top-Up Policy Work?

Advantages of a Top-Up Health Insurance Plan

How to Choose the Right Top-Up Health Insurance

How to Save Tax with Top-Up Health Insurance Policy?

Individual vs Top-Up Health Insurance Plan

How to Calculate Premium for Top-Up Mediclaim Policy

What are the Factors that Can Affect the Top-Up Health Insurance Premium?

Download
the Navi app now!