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Top-up health insurance plans are add-on covers that provide additional protection to you and your family at the time of a medical emergency. These plans come to your rescue in case your existing health insurance is not enough to meet the medical bills. In other words, they prove to be useful when the basic threshold limit of your existing health plan is breached. However, they apply to a single hospitalization.
For example- you have a health cover of Rs. 5 lakhs. With your growing age and the soaring cost of healthcare facilities, you know that it won't be enough to cover a medical emergency in the future. Rather than buying a separate health policy or upgrading your existing health plan, you can simply buy a top-up plan that would enhance your cover and won't burden your pocket.
A top-up health plan is a must-have in your arsenal due to the following reasons-
Just like a top-up health plan, a super top-up health plan is also an extension of your basic health plan. But these plans are eligible to cover multiple claims for cumulative medical expenses (over the threshold limit) within a policy year (once your base cover is exhausted). These plans ensure that the policyholder gets the treatment without any restrictions or limitations.
For example- you have regular health insurance of Rs. 5 lakhs and you decide to buy a super top-up health policy of Rs. 10 lakhs, which comes with a deductible of Rs. 5 lakhs. During the year, you are hospitalized 3 times, where the bill was Rs. 3 lakhs during the first time, Rs. 4 lakhs during the second time, and Rs. 5 lakhs during the third time.
You will get coverage under your regular health policy for your first hospitalization, but it will not cover your second hospitalization in full, as you've already claimed Rs. 3 lakhs against your first hospitalization. In such a case, your regular health policy will cover Rs. 2 lakhs, and the remaining Rs. 2 lakhs claim will be settled by the super top-up health policy.
In your third hospitalization, a super top-up plan will settle the entire bill amount.
Also known as the 'Big Brother' of top-up health plans, below are the following reasons for the popularity of super top-up health plans.
With so many plan types available in the market, people often get confused between Top up Health Insurance & Super Top up Health Insurance. In the below mentioned table, we have differentiate both the plans on some parameters that will give you a clear idea of Top up Health Insurance plan & Super Top up Health Insurance plan. Take a look
Parameters | Top-up Health Plans | Super Top-up Health Plans |
Working Criteria | Top-up health plans work only for one claim during the policy term. | Super top-up health plans allow multiple claims during the policy term. |
Lapsation | These plans lapse once the cover for 1st claim is provided. | These plans lapse when the entire cover is exhausted. |
Premium | The plan comes with a lower amount of premium. | Premiums are proportionately higher than top-up health policy. |
**Last Updated on April, 2022
Let's understand the functioning of both the plans with an example:
Amar and Vinay are good friends working together in the same company. Both have standard health insurance of Rs. 5 lakhs each. After considering his family's history of Cancer, Vinay purchases a super top-up health plan of Rs. 10 lakhs, with a deductible of Rs. 5 lakhs. Considering the idea of additional protection, Amar purchases a top-up plan of Rs. 10 lakhs, with a deductible of Rs. 5 lakhs. After 6 months, both were travelling together, met with an accident, and hospitalized for multiple surgeries.
Now let's check how both plans function at the time of claims-
Claims Made | Amar (Top-up Plan) | Vinay (Super Top-up) |
1st claim of the policy year- Rs. 5 lakhs | The claim is covered by the standard health plan. | The claim is covered by the standard health plan. |
2nd claim of the policy year-Rs. 2 lakhs | Amar will pay the entire amount as he has exhausted his standard health insurance coverage. Also, as the claim doesn't exceed the deductible amount, his top-up plan won't be useful. | Vinay has also exhausted his standard health insurance coverage, but his super top-up policy will cover the treatment expenses. |
3rd claim of the policy year- Rs. 6 lakhs | Rs. 1 lakh will be covered by the top-up plan as this is the extra amount over his base health insurance coverage amount. However, the rest has to be borne by Amar. | Super top-up will pay the entire medical expenses. |
**Last Updated on April, 2022
The following are a few conditions, which aren't covered under such plans-
To get more details about them, please speak (1800-4200-269) with the experts of PolicyX.com.
As you already know that both Top up Health Insurance & Super Top up Health Insurance are designed to enhance your standard health insurance. But then the question arises, do you really need it? Well, to answer your question, read the below section.
Individuals falling into the below categories should consider buying these plans. Let's learn about them.
Working in an organization, your company may have provided you with health insurance, but the sum insured may not be enough. In such a case, you should buy an additional cover that would protect you and your family at the time of medical emergencies.
With growing age, you get vulnerable to health-related issues. And to treat those issues, you may be stuck in a situation where your base coverage is not enough and you are required to pay from your wallet. To avoid such a possibility, consider buying these add-on plans.
Many people go for low coverage plans as they don't have the budget to pay higher premiums. But in their hearts, they know that such coverage is not enough to meet future medical needs. If you are one of them, consider going for top/super-top plans. They will give you additional coverage at cheaper rates.
Before buying a Top-up/ Super Top up policy, knowing some of the factors that you should consider can help you in making a wise decision. Below mentioned are some of those factors :
Before buying a Mediclaim Top up policy, one of the most important factors is to evaluate the premium in comparison to the coverage benefits offered.In order to make the best choice, you must compare the premiums of various top-up health insurance policies. Not only will it help you in choosing the most cost-effective policy, but will also provide the coverage you want.
Before buying a Super Top up policy, it is important for you to go through your base policy completely. Check what benefits you already have, and evaluate if you would require anything else. Evaluate your and your family's healthcare needs, and then choose an ideal plan.
Purchasing a Mediclaim Top up policy from the same insurance company where you currently have a basic health insurance policy is a good idea. This not only helps you create trust with your insurance provider, but it also makes things easier for you because you're already familiar with the terms and conditions of numerous operations. You may also be eligible for extra advantages, such as the elimination of a pre-existing waiting period.
Finding a suitable top-up/super top-up health insurance is a tedious task. Some health insurance companies may offer quality benefits but charge a high premium, while others ask for low premiums but the benefits offered are not worthwhile. Out of 15 top health insurance companies, we at PolicyX.com have mentioned 3 top-up and super top-up plans (each) based on the low premium for the sum insured of Rs.10 Lakhs. Have a look:
Plan Name | Premium Amount* | Entry Age | Maximum Sum Insured |
Max Bupa Health Recharge | Rs.1094 | NA | Rs.95 Lakhs |
HDFC ERGO My health Medisure Super Top-up | Rs.1817 | 18-65 years | Rs.20 Lakhs |
Care Enhance Super Top-Up Plan | Rs.3087 | 18 years-no limit | Rs.30 Lakhs |
**Last Updated on April, 2022
Let's Learn more about the above-mentioned Super Top-up plans:
With the coverage offered upto 95 Lakhs, Max Bupa Health Recharge is an affordable super top-up plan that helps you in the time where you need additional support. With the availability of several benefits, the plan ensures to look after your medical needs even if your base coverage is exhausted.
Key Features:
With HDFC ERGO My Health Medisure Super top-up plan, you can ensure that your and your family's healthcare needs will be looked after even if your base coverage is exhausted.One can avail discounts of 5% on the premiums if they opt for a long-term policy of 2 years, and can avail further 10 % discount if they choose to cover more than 2 members on individual Sum Insured basis.
Key Features:
Care Enhance Super Top-Up Plan allows the policyholder to avail medical care even when their basic insurance plan falls short. The plan enhances your health cover to overcome the uncertainties of life at a comparatively lower premium amount.
Key Features:
Plan Name | Premium Amount (10 Lac SI)* | Entry Age | Maximum Sum Insured |
SBI Arogya Top-Up | Rs.1034 | 3 months-65 years | Rs.50 Lakhs |
Future Advantage Top-up | Rs.3191 | 18 years-no limit | Rs.1 Crore |
Star Super Surplus Insurance Policyp | Rs.2204 | 18 years-65 years | Rs.25 Lakhs |
**Last Updated on April, 2022
Let's Learn more about the above-mentioned Top-up plans
SBI Arogya Top-Up plan supplements your existing health insurance in case where you have exhausted the basic sum insured. One can avail the benefits of this plan without undergoing any medical check-ups upto the age of 55.
Key Features:
Future Advantage Top-Up plan comes with high sum insured options and provides extra coverage at low premiums as compared to any traditional health insurance plan.Loaded with several benefits, the plan makes sure that you and your family healthcare needs are completely looked after.
Key Features:
This top up plan offered by Star Health is an affordable way to extend your healthcare coverage. With several benefits, Star Super Surplus ensures that you don't have to compromise on your healthcare needs.One can avail this policy without undergoing a pre-acceptance medical check-up.
Key Features:
*The premium may vary on the basis of chosen threshold limit/deductible amount, age & other factors.
Buying a policy online helps to save your precious time and money. Though there is a risk of fraud, it can be avoided if you buy from a trusted buyer- PolicyX.com. Here are the steps-
Here are the steps-
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Go on the top of this page, and fill up a form 'Get Quotes from Top Insurers'.
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Choose the plan as per your needs and requirements and proceed to buy.
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Pay the premium online and the policy will be shared on your email address.
Note: You can also buy the top-up/super top-up policy from the respective insurance provider.
If you buy these health plan from your existing provider of standard health insurance, then you won't have to submit the documents. But if you decide to buy it from another provider, you need to submit the following documents-
Generally, there are two ways of filing claims for such plans. Let's learn about them.
For cashless claim (can be opted only at the network hospitals):
For reimbursement claim:
Note- The above steps may vary from one insurance company to another. Please take note of it before filing a claim.
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*Terms and Conditions May Apply
A deductible is a base amount over which a top-up/super top-up policy comes into force.
Some insurance companies may ask you to undergo medical screening after a certain age. It's better to check this with your chosen insurer before buying the policy.
No. It depends on your preference.
Yes, top-up health policies come as individual and floater plans.
No. If you don't have a health plan, you can still purchase a top-up plan. However, in this case, you will have to pay all the expenses yourself, until you exceed the deductible limit.
Yes, these plans offer cover for accidents along with the listed diseases, which may differ from company to company.
Just like other health insurance policies, a policyholder is given a grace period of 15/30 days to renew the policy. If (s)he fails to do so, the policy will get lapsed and one cannot avail of any benefits.
The factors that affect the super top-up health insurance premium are:
One must choose the right deductible limit when acquiring purchasing a super top-up health insurance plan. The deductible is the maximum amount of money you may spend on your normal health insurance plan. Also, before purchasing a super top-up health insurance policy, be sure to review the insurer's list of network hospitals, coverage level, features, and claim settlement history.
Well, looking at the inflation rate, teh healthcare services are on continuous rise, and the treTment for a critical illness has the potential to wipe off all your savings if you don’t have enough coverage.
So, it is recommended that along with your standard health insurance you should get a super top up policy, so if the need arises, you can have your expenses covered.
Yes, you can choose a higher deductible in your Mediclaim Top-up policy. However, the amount chosen for the deductible may vary from policy to policy.
Yes, you will get the coverage for AYUSH Treatments under a Super top-up policy.
Yes, like any other health insurance policy, a super top-up health insurance too comes with tax saving benefits. You can avail tax benefits as per the prevailing Income Tax Law.
A super top-up health plan covers the total hospital bills up to the limit specified in your super top-up plan above the deductible amount. Hence, once your deductible is paid, the super top-up policy becomes active for subsequent claims.
It's advisable to opt for a super top-up plan as it provides a higher sum insured and the coverage amount can be increased over and above your corporate plan at a lower premium. The higher the threshold limit, the lower the premium of the plan. You can either buy it individually or as a family floater plan.
The major difference lies in the fact that a Super Top-up Plan offers coverage for complete hospitalization bills above the threshold limit, whereas a top-up policy only covers a single hospitalization claim above the threshold limit (i.e. the Deductible amount).
Yes, Cashless can be applied through the hospital.
Super Top Up policy is a Family Floater Policy that offers you coverage of Mediclaim above your chosen deductible limit along with extraordinary features. It offers you financial relaxation in the event that your hospitalization claim bill crosses your sum insured under any other Mediclaim policy.
However, you can only port between policies of similar nature and category. Therefore, porting from a health insurance plan to a super top-up plan is not possible.
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June 15, 2022
Vidya
JaipurJune 15, 2022
Varsha
DehradunTrustworthy insurance plans and quick claim settlement process! I appreciate the customer care team of Bharti AXA for their efficient response
June 13, 2022
Rajan Narela
JaipurI am totally in love with the health plans offered by the Edelweiss Health Insurance company. If you want a health plan, you should go for this company.
June 13, 2022
Vidya Bhan
BhopalVery nice company with a range of health products. I have bought one plan for myself and my husband, and one for my aged in-laws. Happy with both the plans
June 9, 2022
Priya Sharma
HyderabadI will rate this company good because I purchased a health policy that has good coverage and less premium. I pay my premium online and I am convenient with the payment options.
Last updated on April, 2022
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Underrated company in my opinion people should buy their insurance plans and avail their quick services and affordable plans