@joeetaku Absolutely correct! Talking about my experience, I am using a Bajaj Allianz
health insurance plan. The company provides a secure top-up health insurance plan which proves to be very beneficial during hospitalisation. The Extra Care Plus policy provides maternity cover, emergency ambulance cover, floater cover for the entire family, no pre-policy check-up up to 55 years, pre-existing disease cover, pre and post hospitalisation cover, entry age up to 80 years, and day care procedure cover. Some additional benefits offered by the policy are tax saving, hassle-free claim settlement, and preventive health check-up, to name a few. To know more, check this article.
https://www.bajajallianz.com/health-insurance-plans/top-up-health-insurance.html. You can also check the top up plans of other companies like Aditya Birla, Star Health, ICICI Lombard etc.