Waiting duration: You must know that top-up plans are separate health plans and have a waiting period for several pre-existing diseases or illnesses during which you cannot make any claims.
The waiting period differs for such health policies. Rakesh Goyal, director of Probus Insurance Broker, said, “Most top-up plans have a waiting period, preventing you from making any claims for medical costs for the first time.
Be sure to check the policy’s waiting period and understand how it affects your coverage." Deductible sum: Top-up health plans mostly come with a deductible.
This is the sum you will have to pay from your base health policy (regular health policy) or your pocket before the top-up plan takes effect.