policy holder in bringing down the policy premium for higher health insurance coverage. However, if we go by the investment experts' view, one should look minutely at the deductible limit and sum insured before buying a top-up health plan.Advising top-up health insurance policy buyers to remain vigilant about deductible limit and sum insured Pankaj Mathpal, MD at Optima Money Managers said, "One needs to remain extra vigilant about the deductible limit and the sum insured while buying a top-up health insurance plan because there are two types of top-up health plans available — deductible limit applicable once in a financial year and deductible limit applicable every time the health claim is made."Mathpal said that top-up health insurance.