Super top-up health insurance is an excellent add-on to a standard health insurance plan that provides additional coverage without increasing the premium drastically. The policy covers all medical expenses like any other health insurance policy.
What is super top-up health insurance?
Super top-up health insurance is a type of health insurance plan that enhances your regular health insurance plan by giving extra financial protection. It provides extra coverage, like a regular top-up policy, but with a higher threshold limit. A super top-up covers all hospitalisations beyond the threshold limit for the policy year.
When purchasing a Super Top-up Plan, you are required to set a deductible, which is the amount you must pay before the insurance starts covering your approved medical expenses. At the time of making a claim, you will need to pay the hospital bill up to the deductible, after which the Super Top-up Plan will cover the remaining balance. There are three ways to pay the deductible: directly out of your pocket, through a group health cover, or using your existing health insurance policy.
Super Top-Up example
Here's an example to better understand how a Super Top-up Plan works. Suppose you have a Super Top-up policy with a deductible of Rs. 3 lakh and a sum insured of Rs. 10 lakh. If your total medical expenses in a year reach Rs. 5 lakh, you will first pay the Rs. 3 lakh deductible. Once that is covered, the Super Top-up plan will cover the remaining Rs. 2 lakh. If further expenses arise later in the same policy year, the Super Top-up will cover the entire amount up to Rs. 10 lakh without requiring additional payments from you.
How does super top-up health insurance work?
Super top-up health insurance works in a simple way. A super top-up plan covers the expenses over and above a regular health insurance policy. For instance, you have a regular health insurance policy with a coverage limit of Rs. 5 lakh. If you incur medical expenses of Rs. 7 lakh in a year, the regular health insurance policy will pay for Rs. 5 lakh. The super top-up policy will cover the additional Rs. 2 lakh. The coverage depends on the policy terms and conditions.
Super Top Up Health Insurance plans benefits
Here are some benefits of health insurance for a super top-up plan:
- Higher coverage at lower premiums: Super Top-up plans offer substantial coverage beyond a certain deductible, allowing you to enhance your health insurance benefits without paying high premiums.
- Covers multiple claims: Unlike basic top-up plans, Super Top-up policies provide coverage for multiple claims during the policy year, once the total expenses exceed the deductible.
- Acts as a backup for existing policies: If your regular health insurance or group cover is insufficient, a Super Top-up plan can fill the gap by covering expenses after the deductible is met.
- Flexibility with deductibles: You can choose your deductible amount, giving you control over how much you pay before the coverage kicks in.
- Affordable way to boost benefits of health insurance: Super Top-up plans are a cost-effective way to increase your overall coverage without replacing your existing health insurance policy.
Key features of super top-up health insurance
Here’s a quick look at the key features of the super top-up health insurance plan.
Features |
Description |
Sum insured |
Up to Rs. 50 lakh |
Room rent |
Covered up to the sum insured by the policy. |
Pre-hospitalisation expenses |
Covered up to 60 days, depending on the policy chosen. |
Post-hospitalisation expenses |
Covered up to 90 days, depending on the policy chosen. |
ICU charges |
Covered up to sum insured on the policy. |
Cashless services |
Available at networks hospitals |
Who should opt for Super Top-up health insurance?
Super Top-up health insurance is ideal for individuals looking to enhance their coverage without significantly increasing premiums. It’s particularly beneficial for those who already have a basic health insurance plan but want additional protection against large or unexpected medical expenses.
If you are worried about high hospital bills that may exceed the coverage limit of your existing policy or group health plan, a Super Top-up plan can help. This is especially useful for people with a history of chronic conditions or those approaching retirement, as medical costs tend to rise with age. Additionally, families or individuals with multiple dependents may find it valuable to have extra financial security for multiple claims during a policy year.
Eligibility criteria for Super Top-up Health Insurance plan
Here are the basic eligibility criteria for a Super Top-up Health Insurance plan:
- Age limit: Most insurers offer plans to individuals aged 18 to 65 years, with some extending coverage to senior citizens.
- Pre-existing conditions: A waiting period may apply for pre-existing medical conditions.
- Medical check-up: Some insurers may require a health check-up for applicants over a certain age.
Difference between super top-up health insurance and top-up health insurance
Here’s a quick look at the common difference between super top-up health insurance and top-up health insurance.
Parameters |
Super top-up health insurance |
Top-up health insurance |
Definition |
An add-on policy that provides extra coverage with a higher threshold limit. |
An add-on policy that provides additional coverage over and above the base health insurance policy for a single incident. |
Policy trigger |
Triggered at a predetermined threshold limit for a year. |
Triggered at a predetermined deductible limit for a single incident. |
Claim |
Covers all hospitalisations beyond the threshold limit for a year. |
Covers a single hospitalisation beyond the deductible limit. |
Premium |
Relatively higher |
Relatively lower |
Suitability |
Ideal for individuals with chronic medical conditions with recurring healthcare expenses. |
Ideal for individuals who want to protect themselves financially from unexpected hospitalisations without paying a hefty premium. |
