What is the difference between ‘top-up’ and ‘concurrent’ insurance?

A ‘top-up’ insurance is an additional indemnity provision that is only activated when the limits of the main underpinning scheme have been reached. A ‘concurrent’ insurance is where an individual has bought two polices that run side by side. The CSP does not recommend any CSP member has any form of concurrent insurance for any of their insured physiotherapy activities.