An 80-year-old man and his 78-year-old wife currently have health insurance coverage of ₹7 lakh each and wish to increase it to ₹10 lakh each. Experts suggest two main options: porting to a new policy with the desired coverage or purchasing a top-up insurance plan. Porting offers streamlined claims but carries the risk of complications if pre-existing conditions are not fully disclosed. The top-up option, which can increase their total coverage to ₹17 lakh (₹7 lakh plus ₹10 lakh) for an annual cost of under ₹30,000, is preferred for its simplicity, although it may require using the base policy for cashless settlements. In another case, a reader faced a denial from an insurer to increase coverage for his 87-year-old mother, which is justified under underwriting guidelines based on age and health risks. Insurers may decline requests for increased coverage, so exploring supplementary options is advisable.