Close ILTakeCare Suggestion
IL TakeCare app – For all your insurance & wellness needs

Policy purchase, claims, renewal & more


Top-Up Insurance Plan for A Separate Family Floater Plan

Discover how top-up insurance can complement your family floater plan for added protection against unexpected medical expenses. Explore the conditions and considerations that may impact your ability to obtain top-up coverage for your family.

  • 12 Mar 2024
  • 2 min read

A Family Floater Plan is the best insurance policy for yourself and your entire family. It is a single insurance policy that includes all family members. This implies you, your wife, and your kids can join a similar insurance policy for a particular amount.


A Health Top-Up Plan is an additional insurance plan we can take in addition to our initial plan. It would act as an additional safety and can be more useful than just having a single insurance policy. It's a good way to ensure your family stays safe and is covered for unexpected medical expenses.


Can I Get Top-Up Insurance for My Family Floater Plan?


In general, you can get a top-up health insurance plan along with your family floater plan; however, some conditions might apply. These conditions are:


  • Existing Policy: Your existing policy can sometimes decide whether you can get a family floater top-up or not. Many policies agree that you should get top-up insurance, while others may not.
  • Age Limit: Insurance companies often have an age limit for getting top-up insurance. However, these limits can vary, so it's best to ask your insurance provider about their specific rules for top-up plans.
  • Deductible: Different top-up plans can also have various conditions, and some could try to incorporate deductibles. You could pay a specific sum before your top-up coverage can kick in.
  • Health Check-up: Your eligibility for the top-up health insurance policy will be determined based on your health check-ups and results, which might depend upon your age and any chronic diseases you have.

Also read:


A family floater top-up for a life insurance plan will enhance your family floater insurance. Adding a top-up insurance plan to a different family floater plan can provide additional inclusion when required, offering more financial protection for your family's health expenses.

  • Looking for tailored advice?

    Schedule a call with our insurance advisors

  • OR
  • Call us:

    1800 2666
Please enter valid name
Please enter a valid mobile number
Please select the Category

Subscribe to our newsletter

Understand insurance better by reading our helpful guides, articles, blogs and other information.

Please enter valid name
Please enter valid Email

Error message here