New Delhi, Nov. 22 -- Even if you have health insurance, it might not be enough!

In multiple cases, people have to pay from their pockets to clear hospital bills as they exceed the base amount of their health insurance. However, a simple way to avoid this is buying a top-up plan along with a health plan. In case you exceed the base amount of your health insurance, you can claim the rest from the top-up plan.

There are two kinds of top-up plans

Top-up plan: A top-up plan works on a per claim basis. That is, you can claim from the top-up only after you have exhausted your health insurance claim amount for a particular claim.

Super top-up plan: Now for super top-up plan, there is no threshold limit on per claim basis; it is applicable on...