Having a health insurance plan provides more advantages to the insured over disadvantages, here’s how:
Advantages:

1.       It takes care of expenses above your Sum Insured without paying huge premiums.
2.      It only triggers when your deductible is exhausted.
3.      It is like a dual insurance plan, one is up to the deductible, and the other is up to the insured value of the top-up plan.
4.      Provides income tax benefit under 80D of the Income Tax Act.

The only disadvantage of the top-up plan is that it does not trigger itself unless your original sum insured is not exhausted.