Think about it—what would happen if someone in your family had to be hospitalized tomorrow? You probably have a Health Insurance Plan, but is it really enough when medical bills can easily cross ₹10–15 lakh? That’s where a Health Booster Plan steps in—an affordable backup that saves you from financial stress when your basic policy runs out.
Why a Health Insurance Plan Isn’t Always Enough
In today’s world, medical emergencies can wipe out your savings in days. A regular Health Insurance Policy usually covers around ₹5 lakh. That sounds like a lot, but for serious illnesses like cancer, heart surgery, or organ transplant, the bill can skyrocket beyond ₹10 lakh.
Without extra coverage, families are often forced into loans, selling assets, or dipping into hard-earned savings. That’s exactly why more people are now looking at Health Booster Plans as a safety net.
What Is a Health Booster Plan?
A Health Booster Plan is basically a Super Top-Up Health Insurance policy. It’s designed to give you extra coverage beyond your base health insurance.
- When your basic health plan is exhausted, the Health Booster Plan kicks in.
- Premiums are much cheaper compared to buying a higher base policy.
- It ensures you don’t have to worry about massive bills during medical emergencies.
- Simply put, it boosts your coverage without boosting your costs.
Key Benefits of a Health Booster Plan
- Covers high medical expenses: Especially helpful for life-threatening illnesses like cancer or critical surgeries where costs can run into lakhs.
- Acts as a backup: Once your base health insurance is used up, the booster plan takes over.
- Deductible model: You pay a certain amount from your base plan (called deductible), and the rest is covered by the booster plan.
- Affordable premiums: Instead of paying for a big insurance cover upfront, you get large coverage at a lower cost.
Example to Understand It Better
Let’s say you have a ₹5 lakh health insurance policy. Suddenly, a medical emergency leads to a hospital bill of ₹7 lakh.
- Your base health policy pays: ₹5 lakh
- Remaining amount (₹2 lakh) is taken care of by your Health Booster Plan
- This way, you don’t end up paying from your pocket.
