A health top-up plan is an insurance plan that comes into play when the basic health insurance coverage is insufficient. For individuals, a deductible limit applies to the top-up plan, which begins after the basic insurance plan reaches its limit. A health top-up plan can be purchased separately or in combination with a basic health insurance plan. The deductible amount will influence the premium that is paid for the top-up plan. The coverage and policy terms for the top-up plan differ slightly from basic health insurance plans. It is preferred to buy both health insurance plans from the same insurer.