As medical expenses continue to rise, relying solely on employer-provided group health insurance may not be sufficient. Individuals, especially those in their mid-30s with families, are encouraged to consider personal health insurance policies. Among the options available—individual policies, family floaters, and top-up plans—top-up plans are often the most cost-effective. These plans activate after a specified deductible is met, allowing for substantial savings compared to standard mediclaim policies. For example, a top-up with a ₹3 lakh deductible would cover expenses beyond that amount, while the employer's group insurance handles the initial costs. When selecting a top-up plan, it's important to look for features that allow the removal of the deductible later and prefer an annual aggregate deductible structure. This ensures that once the total claims exceed the deductible, further claims are fully covered without resetting the threshold, which is beneficial in years with multiple hospitalizations.