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Top up Insurance Plans
Topping up insurance plans is crucial due to rising medical expenses, inflation, and increased responsibilities like marriage or parenthood. Life milestones, such as children's education or marriage, also require additional coverage. Being proactive with insurance helps ensure financial stability and protection for loved ones in times of crisis or unforeseen events.
1 Crore Term Insurance@Rs.21/day***
To delay is to regret
You may not always be around to take care of your family. And that’s when a term plan ensures your family is well protected.
:1800-266-9777
Reasons to Top up Insurance Plans
Remember a famous computer game which was about racing high end bikes? It was called Road Rash. Certain bikes came with the advantage of a nitro boost feature which could be used anytime in the race. This nitro boost came in handy when the situation of the game had changed and you found yourself to be lagging behind other racers.
A top up plan with respect to insurance comes in handy when circumstances in life are about to or have changed.
Here are some reasons to top up your insurance plans
Cost of hospitalization has increased
Various data points have shown that medical expenses in India are growing at a rate which is more than double of inflation. You may have purchased health insurance a few years back and the coverage may hardly cover half your medical expenses in case you are hospitalized.
Inflation increases cost of living
You may have purchased a term life insurance plan offering a coverage of Rs 40 lakhs a few years back. But do you think, in the event of your unfortunate demise, 40 lakhs would be sufficient for your family? Cost of every item keeps increasing year on year. If you are keen on ensuring a peaceful retirement for your spouse and the best educational opportunities for your children, you would seek to top up your term insurance plan. In case you haven’t purchased a term plan yet, you could check out HDFC Life Click 2 Protect 3D Plus.
Increase in responsibility
Planning to get married soon? Or expecting a child? This means your responsibilities will increase. There will be other lives who would be depending on you. This is another reason to top up both your term and health insurance policies.
Expensive milestones in life may be nearing
Your child’s marriage may be just a couple of years away. Or your child would be a few years away from pursuing higher education. Or you may be on the verge of becoming a parent. Imagine the financial impact of your absence or hospitalization expenses on these milestones.
These are critical reasons which should make you strongly consider topping up your insurance plans. In most cases, inertia or complacency prevents one from doing so. But misfortune can strike anytime and it is desirable to always be well protected and prepared to face unfortunate eventualities so that one’s loved ones do not lose out on the innumerable opportunities presented by life.
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Francis Rodrigues
Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.
Written By:
Vishal Subharwal
Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.
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Here's all you should know about life insurance.
We help you to make informed insurance decisions for a life time.
HDFC Life
Reviewed by Life Insurance Experts
HDFC LIFE IS A TRUSTED LIFE INSURANCE PARTNER
We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance plans - protection, pension, savings, investment, annuity and health.
@As per integrated annual report FY23-24, available on www.hdfclife.com. As of May 2024
^ Available under Life & Life Plus plan options
#Provided we have received all the relevant and required documents and no further investigation is required. Claim settlement process would be completed within stipulated timelines once the claim request is approved
##Individual claim settlement ratio by number of policies as per audited annual statistics for FY 23-24
*As per Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.
***Online Premium for Life Option for HDFC Life Click 2 Protect Super (UIN: 101N145V07), Male Life Assured, Non-Smoker, 20 years of age, Policy term of 25 years, Regular pay, Annual frequency, exclusive of taxes and levies as applicable. (Monthly Premium of 622/30=20.7).
**7% online discount available on 1st year premium only
~Tax benefits of ₹ 54,600 (₹ 46,800 u/s 80C & ₹ 7,800 u/s 80D) is calculated at highest tax slab rate of 30% on life insurance premium u/s 80C of ₹ 1,50,000 and health premium (Critical illness rider) u/s 80D of ₹ 25,000. Tax benefits are subject to conditions under section 80C, 80D, 10(10D) as per Income Tax Act, 1961. Please consult your tax advisor for more information.
ARN - ED/05/23/1870
