Buy Up: Plan

Once the yearly aggregate deductible is met, all subsequent claims are covered. Severe, one-time medical events. Chronic issues or multiple hospitalisations. Key Benefits

: Just like base plans, these often have waiting periods (usually 2–4 years) for pre-existing conditions. buy up plan

Before purchasing, review these factors to avoid coverage gaps: Once the yearly aggregate deductible is met, all

: Your primary insurance (e.g., an employer-provided plan) pays for the initial hospitalisation costs. all subsequent claims are covered. Severe

: If the bill exceeds your base policy's limit, the "buy-up" plan kicks in to cover the remaining eligible expenses up to its own higher limit.

: Some buy-up plans offer extras like no sub-limits on room rent or coverage for organ donor expenses. Critical Considerations