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Should you buy top-up plan to enhance group health insurance?

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I work for a private firm, and the group mediclaim insurance of ₹3 lakh covers me, my wife and children.

To enhance my group cover, can I buy a cover of ₹3-5 lakh or a top-up plan, which is cheaper but at the same time complements my group cover? -Name withheld on request A group mediclaim floater policy essentially covers the insured and his family.

As you and your family are already covered under a group mediclaim of ₹3 lakh, you can go for a top-up cover with a deductible of ₹3 lakh.

This will enable you to get a policy cover of a higher sum insured at a much lower premium. Minor hospitalisation expenses can be covered under your group mediclaim and a claim that arises exceeding ₹3 lakh would be taken care of by the top-up health

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