Should you buy health insurance with higher sum insured or add top-up policy?

[IndiaInsurance]

Like a regular indemnity health insurance policy, a top-up plan also covers hospitalisation costs. These plans are ideal for those who own a base/regular health insurance policy but do not have sufficient cover to deal with a huge medical emergency.

More... (https://economictimes.indiatimes.com/wealth/insure/health-insurance/should-you-buy-health-insurance-with-higher-sum-insured-or-add-top-up-policy/articleshow/74311809.cms)