The ubiquitous health insurance has evolved over the years and it is no more a straight-forward solution when it comes to buying a policy. Just like a pizza, which has a base and toppings can be added to suit one’s taste; health insurance allows one to add a top-up or a super top-up policy to the base cover. What this means is that you can do much more with a health insurance policy. There are other merits of adding a top-up—these are cost effective and add value to your overall health cover, which can help you in case of a medical emergency.