Super Top-Up Health Plan
  • Additional Coverage Benefits
  • Higher Sum Insured
  • Deductibles in Super Top-Up
Super Top-Up Health Insurance
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Super Top-Up Health Insurance: What You Should Know?

Super top-up health insurance is an enhanced layer of protection in addition to your base health plan. Just like a top-up health insurance a super top-up health plan has it's own features. Often times a top-up health insurance and super top-up health insurance are confused with each other. However, they have their subtle differences.

We all know how a single hospitalisation can sometimes drain you financially. Amidst the rough sea of rising medical care costs, adequate super-top-up health insurance can be your guiding star.

This article is your ultimate guide to a super top-up plan, and how it offers you enhanced financial security. We delve deeper into the finer details such as features, benefits, eligibility, and things to keep in mind before purchase. Join us to explore everything there is to a super top-up policy.

P.s- We also reveal our best super-top health insurance to help you make a better purchase decision

What Is Super Top-Up Health Insurance?

Often people wonder what super top-up health insurance is and how it differs from regular health insurance plans. A super top-up policy kicks in when your base health plan sum insured is exhausted. It is responsible for increasing the overall coverage amount along with extra benefits when paired with your base health policy.

However, super top-up health insurance covers your medical care expenses when you have paid out-of-pocket expenses up to your deductibles limit.

Confused much? Worry not, let us understand the workings of a super top-up policy along with the deductible clause in the next section.

What Is Deductible In Super Top-Up Health Insurance?

Before we move ahead with the workings of a super top-up policy let us understand what a deductible clause is under a super top-up health insurance.

A deductible is the amount that you are entitled to pay before your super top-up health plan starts covering your medical care expenses.

You as a policyholder, are free to set up your deductible limit at your convenience. At the time of hospitalisation, you pay the hospital bill out-of-pocket up to the specified deductible limit after which your super top-up health plan takes care of the rest of the medical bill.

How Does Super Top-Up Health Insurance Work?

A super top-up health plan functions similarly to a base health insurance plan offering coverage for hospitalisation expenses, ambulance charges, room rent, etc. Let us understand the functioning of the same with an example:

  • Aman purchased a base health insurance plan with a sum insured limit of INR 3 lakhs which covers him, his spouse, and one dependent child
  • He realized that his sum insured was not adequate so he purchased an additional super top-up policy with a deductible clause of INR 3 lakhs
  • His super top-up policy offered an additional sum insured of INR 4 lakhs
  • Unfortunately, a few days later Aman was hospitalised due to a road accident which resulted in total hospital bill of INR 5 lakhs
  • Here is how both the plans came into action to help Aman
Features Base Health Plan Super Top-Up Health Plan
Sum Insured INR 3 L INR 4 L
Claim Settled INR 3 L (Deductible of super top-up paid through base policy) INR 2 L
Remainder Sum Insured None 2 L

5 Best Super Top-Up Plan

We have rounded up the top 5 super top-up policy picks that can fit your needs and requirements:

Plan Name
Entry age (min-max)
Sum insured
Waiting period
USPs Check Plans
Care Enhance 5 years - No limit 1 - 55 Lakhs30 daysNo pre-medical test
Covers modern treatment procedures
Flexibility with the deductible limit
NiveBupa Health Recharge 18 - 65 years 2 - 95 Lakhs30 daysNo room rent capping
Unlimited e-consultation facility is available
Diagnostics and pharma services are available
HDFC ERGO My: Health Medisure Super Top-Up 18 - 65 years 1 - 10 Lakhs30 daysConstant premiums beyond 60 years
No pre-medical check-ups till 55 years
More coverage on lower premiums
Bajaj Allianz Extra Care Plus 91 days - 80 years3 - 50 Lakhs30 daysAir ambulance services are covered
Organ donor expenses are covered
Maternity coverage benefits
ManipalCigna Super Top Up Plus 91 days - No Limit 3 - 30 Lakhs30 daysGuaranteed cumulative bonus
Organ donor expense benefits
Non-medical expenditure cover
What is Entry age?

The age (last birthday) at which you buy an insurance policy is your entry age to that policy. Insurance policies usually come with a minimum and maximum age at entry which means that you must attain a specific age or should be less than the maximum age to buy a policy.

What is Sum insured?

Sum insured is the maximum monetary coverage that a health insurance policy provides you. You should decide your sum insured based on the cost of medical treatments, your health, income, and lifestyle habits.

What is Waiting Period?

It is the time just after the purchase of a policy when the policyholder has to wait before getting any benefits.

What Are The Key Features Of Super Top-Up Health Insurance Plans?

If you are seeking information on important key features of the super top-up plan you have landed on the right page. Let us explore more

Features Explanation
Higher value sum insured The sum insured is adequate to cover huge expenses related to healthcare services
Affordable premiums In terms of affordability, these plans are pocket-friendly but provide optimum coverage
Extended coverageSuper top-ups can provide senior citizens with advanced healthcare at affordable prices
Tax benefits You can avail of tax-saving benefits under Section 80D of the Income Tax Act of India
Cashless facilityGet cashless treatment facilitation at the networking hospitals of your insurance providers
Freedom to customize Customize your plan with deductibles or additional coverage benefits a/c to your needs

What Are The Advantages Of Super Top-Up Health Insurance?

There are various advantages included with a super top-up health insurance plan which are discussed below.

  • Peace Of Mind

    Super top-up health insurance plans act as enhanced coverage for your hospitalisation and medical care needs. In case of any unforeseen and unfortunate event, a super top-up policy will be your shield against hefty medical bills.
  • Lower Premiums Higher Coverage

    A super top-up plan acts similarly to a regular health plan, what does that mean? You are eligible to avail of all the features a health insurance plan offers through a super top-up insurance at lesser premium rates enabling broader coverage as compared to opting for a specific add-on cover.
  • Flexible Deductibles

    You are free to choose the amount of deductibles as per your financial budget which allows you to manage your overall finances better while providing you a more comprehensive coverage.
  • Pre-existing Diseases Cover

    Many super top-up health plans offer the advantage of no waiting period for pre-existing conditions that you may have.
  • Value Added Benefits

    A super top-up policy just like a health insurance policy offers value-added benefits such as annual health check-ups, wellness points, and more.

Inclusions and exclusions of Super top-up Health Policy

Below is a list of what a super top-up plan does and does not cover:-

Inclusions Exclusions
Regular health checkups Unless the deductibles get exhausted, can't claim
Daycare treatment Pre-existing medical conditions
Pre and post-hospitalizationBeautification treatment
Ambulance charges Pre and post-natal care
ICU room chargesUnprescribed hospital admission
Domiciliary hospitalization Out-patient treatments
No-claim bonus at renewals Alcoholism or smoking-related issues
Waiver of premiums (like, in case of a critical illness)Adventurous activities or life-threatening action
Maternity benefits (under specific limits)Suicide or murder

Who Needs A Super Top-Up Plan?

A super top-up health plan is best for those who have a high-risk medical profile. If you are someone with a medical history or major illnesses in your family, it is an essential tool for getting quality healthcare. A super top-up health plan is also recommended for senior citizens as they are prone to prolonged illnesses and hospitalisations which can drain finances.

How To Choose The Best Super Top-Up Health Insurance?

Things you must keep in mind before investing in a super top-up health plan are:

  • Consider the waiting periods for pre-existing conditions if any, when purchasing a super top-up health plan
  • Understand the deductibles clause and opt for your deductible amount carefully
  • Look for coverage features which match your needs and requirements and fit the bill
  • Select an adequate amount of sum insured as a super top-up health insurance is responsible for enhancing your overall coverage including base health plan
  • Look at the list of network hospitals available with your super top-up health plan

Health Insurer Network Hospitals

Wrapping It Up

Buying a super top-up with your base medical insurance policy will secure you in times of uncertainty. However, it compulsorily comes with a deductible that may feel like a task to pay out of your pocket. But buying super top-ups is a wise decision to avoid a financial constraint in the future. It can enhance your coverage benefits at a very low additional premium. It comes in handy if you feel the sum insured amount is not enough to manage your medical care expenses.

If you can get much more benefits with just a little more investment, then what's the wait?

Buy only the best super top-up health plans with PolicyX. Now!

Super Top-up Health Insurance: FAQ's

1. Should I buy a super top-up health plan?

Buying a super top-up health insurance policy is not only cost-effective but also provides additional coverage.

2. What should I check before buying super top-up plans?

You should consider these pointers while buying a super top-up health insurance

  • Premium affordability but with an adequate coverage amount
  • Compare before buying the policy
  • The deductible limit over the sum insured
  • Claim settlement record of the company
  • Cashless facilities at networking hospitals

3. Is there any disadvantage to buying super top-up plans?

One of the biggest disadvantages of buying super top-up health plans is its higher deductible limit.

4. Do I need to choose a deductible in a super top-up health insurance policy?

Yes, you can choose the deductible limit according to your needs and affordability.

5. Can I buy a super top-up plan without having a health policy?

Super top-ups are meant to be an added financial solution to your base health policy. So, you should not buy it as a standalone policy, but with a standard health insurance plan for better coverage options.

6. Is there a waiting period for super top-up plans?

Yes, the waiting period for a super top-up health policy depends upon the insurance company or the plan you buy.

7. Who should buy a super top-up plan?

Individuals who are over 60 years old can consider buying this plan, as it can cover more medical needs/costs. Or, if you have a basic health plan with insufficient sum insured, you must choose a super top-up health policy.

8. How can I buy a super top-up health plan?

You can buy a super top-up plan from PolicyX.com from its official website. Click here to know more.

9. Which documents are required to buy super top-up plans?

The documents that follow to buy a basic health insurance plan are required for super top-ups as well. These include- KYC documents (Aadhaar, PAN, DL, etc), residential proofs (electricity, Aadhar, rent agreement, etc), bank passbook, and age proofs (certificates of education/matriculation, Aadhar, etc).

Health Insurance Companies

Health Top-up Insurance Reviews

Customer Review Image

Achintya Sharma

Ranchi

May 10, 2024

I’ve been covered by HDFC ERGO Platinum Health Guard plan for years now, and it has been a lifesaver. The coverage is extensive, and the claim process is so easy. I highly recommend the p...

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Parag Mehta

Jamshedpur

May 10, 2024

I’m impressed with the assistance of the ManipalCigna Prime Senior Insurance policy that I’ve bought for my father. I don’t fear now being a NRI because I’m assured of h...

Customer Review Image

Anshul Garg

Vishakapatnam

May 10, 2024

The ManipalCigna LIfestyle Protection Critical Care Policy has coverage for up to 30 critical illnesses with a sum insured of up to 25 Crores. If you’re searching for a policy like this, ...

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Shivalika Varghese

Delhi

May 10, 2024

If you are searching a health insurance like ManipalCigna ProHealth choose that offers straightforward claim assistance and the flexibility to optimize your coverage, go for it.

Customer Review Image

Pratibha Chandrakar

Kolkata

May 10, 2024

I was majorly focused on pre and post-hospitalization expenses coverage and found the best health coverage for these with the ManipalCigna ProHealth insurance policy.

Customer Review Image

Kanupriya Ghadge

Nagpur

May 10, 2024

For anyone who’s looking for a comprehensive health insurance policy, I would recommend buying the ManipalCigna ProHealth Prime insurance plan as it provides maximum coverage.

Customer Review Image

Neelam Sharma

Bengaluru

May 10, 2024

Star health has been my health insurer for more than 2 years and I am happy. Thanks to PolicyX for suggesting me Star Health

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Adi Kukreja

Jalandhar

May 10, 2024

My wife fell ill and was diagnosed with jaundice, due to which she had to be hospitalised for a week. But Star’s Family Health Optima Insurance Plan helped me pay the bill and PolicyX mad...

Simran Nirala

Written By: Simran Nirala

Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.