A Handbook to Top-up and Super Top-up Plans

Regular health insurance plans cover medical expenses up to the sum insured limit. Once your sum insured gets exhausted, you have to pay your medical bills on your own. However, a top-up and super top-up plan can help you out of this situation. They pay your medical bills when your basic health policy’s sum insured has exhausted. Know everything about top-up and super top-up health insurance plans. 

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      What’s Top-up Cover?

      A top-up plan, as the name suggests, provides coverage over and above the current sum insured. It is a safety net which comes to one's aid in difficult financial situations. Contrary to a top-up plan that only provides cover if the cost incurred in a single hospitalisation exceeds the sum insured, a super top-up plan provides coverage in multiple cases. Super top-up plans have more advantages over a top-up plan due to the allowance for many claims. 

      Why Should You Consider Top-up Cover?

      One might ask the question, why they can’t opt for a plan with a higher sum insured if they expect expenses beyond their current plan. The main answer to this will be that a higher sum insured will lead to the drawback of a higher premium. Top-up plans have a high deductible and hence are considered to be highly beneficial with less risk associated with it. An individual can opt to buy a top-up plan even without having a regular health insurance policy in India. Adding to the array of positives is the fact that any individual plan or family insurance plan availed from one company can be enhanced with a top-up plan from a different health insurance company. It is not mandatory for the top up plan to be belonged to the same company. Each top-up plan is available as an individual or a family insurance plan. 

      Moreover, there is no contribution clause stating that if an individual has a top-up policy in addition to a regular policy that both providers must provide their share. It is, however, essential to read the policy carefully before purchasing because many top-up plans have restrictions and rules on pre and post hospitalisation expenses, pre-existing diseases, and some health insurance policies in India might exclude certain diseases.

      Super Top-up Cover

      When you are in a situation where an exceeding of the insurance amount occurs not just for one claim but for multiple claims, a super top-up plan comes to one’s rescue. The policy only lapses when the entire cover is exhausted, as opposed to a top-up plan which exhausts after a single claim.

      Take the example of Mr ABC, who has ischemic heart disease. He has suffered from one heart attack, which cost him 6 lakh to treat when the sum insured is only 4 lakh under his regular policy. If he owns a top-up plan, it would cover the remaining 2 lakh. However, if he had a second heart attack needing two procedures, costing 3 lakh each, he cannot avail his top-up plan since his deductible is 4 lakh. If he had a super top-up plan, he could pay off 2 lakh via the super top-up plan, as it would be applicable for the second claim as well. That is where a super top-up plan, overrides the benefit of a top-up plan. It takes into account the entire amount, which is very useful.

      Popular Top-up/Super Top-up Plan

      The various top-up and super top-up plans offered by different health insurers are:

      Plan Sum Insured (in ₹) Eligibility Features
      Aditya Birla Activ Assure Diamond+ Super Health Top-up Up to 95 lakh 5 to 65 years Day care procedures covered
      International Emergency Assistance services
      Health and wellness discounts
      Bajaj Allianz Extra Care 10 to 50 lakh 18 to 70 years No medical tests till the age of 55
      Pre and post hospitalisation covered for 60 and 90 days respectively
      Emergency ambulance charges covered
      Care Enhance Super Top-up 1 to 30 lakh 1 day and above Admission in a single private room
      No limit on ICU charges and physician fees
      Organ donor expenses included
      Pre-existing diseases included after 4 years
      Cholamandalam Super Top-up 3 to 25 lakh 3 to 70 years Charges for surgical procedures covered
      Coverage for AYUSH treatments
      Emergency ambulance services included
      Digit Health Care Plus 10 to 20 lakh 91 days onwards No capping on room rent
      Lifelong renewability
      Future Generali Future Advantage Top-up 50,000 to 1 crore Day 1 onwards Medicines and drug expenses are covered
      Day care treatments covered
      Organ donor expenses included
      HDFC ERGO Health Suraksha Top-up Plus 2 to 10 lakh 91 days to 65 years Pre-listing diseases covered after 4 years
      Up to 15,000 tax benefit under section 80D* (tax benefits are subject to change as per the prevailing income tax laws)
      No room rent cap
      ICICI Lombard Health Booster 2 to 50 lakh 3 month onwards Comes with lifetime renewability
      Provides domiciliary hospitalisation cover
      Pre and post hospitalisation expenses included
      IFFCO Tokio Health Protector Plus 2 to 25 lakh 3 months to 65 years Room, board and nursing expenses included
      Ambulance charges are covered
      Daily allowance benefit
      Liberty Health Connect Supra 50,000 to 20 lakh 91 days to 65 years No pre policy health check-up
      No co-Pay, no room rent capping, no sub-limit
      Reload of sum insured
      Magma HDI OneHealth Extra Cover 5 lakh to 1 crore 91 days onwards Modern treatment procedures are covered
      Recharge of sum insured
      Reduction of PED waiting period (add-on)
      ManipalCigna Super Top-up 1 to 30 lakh 91 days onwards Allopathic and AYUSH treatments covered
      Coverage for non-medical expenses
      Assured cumulative bonus
      National Super Top-up Mediclaim Policy 3 to 20 lakh 18 to 65 years Coverage for pre & post-hospitalisation expenses
      Organ donor's medical expenses covered
      New India Top-up Mediclaim Plan 5 to 22 lakh 3 months to 65 years Room rent charges included
      Daily hospital cash benefit
      Ambulance charges covered
      Niva Bupa Health Recharge Super Top-up 2 to 95 lakh 91 days to 65 years Covers the cost of ambulance
      Domiciliary expenses covered
      Day care treatment covered
      Oriental Super Health Top-up 3 lakh to 30 lakh 18 to 65 years Maternity expenses covered
      Mental illness treatment covered
      Dental treatments covered
      Raheja Health QuBE Super Top Up 2 lakh to 1 crore 18-65 years Health check-up not required till the age of 55 years
      Coverage for day care treatment facilities
      PED covered after completion of 3 years
      Reliance Health Super Top Up Insurance 5 lakh to 1.3 crore 18 to 65 years Provides maternity benefit
      Coverage for AYUSH treatments
      Ambulance cover
      Royal Sundaram Advanced Top Up Health Insurance 10 to 75 lakh 91 days to 65 years Day care treatments covered
      Organ donor expenses included
      Second opinion for 22 critical illness
      SBI Health Super Top-up 5 lakh to 4 crore 91 days onwards No maximum entry age
      Lifetime renewability benefit
      Cover consumable items
      Star Health Super Surplus Silver Plan - 7 to 10 lakhs
      Gold Plan - 5 to 25 lakh
      18 to 65 years No pre-policy health check-up
      Pre-existing diseases are covered after just 36 months
      Family floater and individual
      Organ donation expenses covered
      Tata AIG Medicare Plus Super Top Up 3 lakh to 1 crore 91 days to 65 years Optional global cover
      Deductible options available
      Consumables benefit
      United India Insurance Top Up Multiple options with a different sum insured 18-80 years Hospital expenses, rent expenses, surgery fees all covered
      For the group insurance, a single sum can be insured for family members and a separate one for parents
      Family floater and individual plans available
      Universal Sompo Super Healthcare Insurance 1 to 20 lakh 91 days to 80 years Hospital expenses, rent expenses, surgery fees all covered
      ICU care and OT charges covered
      Family floater and individual plans available
      Zuno (Formerly Edelweiss) Family Health Top-up 1 lakh to 5 crore 18 years onwards PED waiting period reduction option (add-on)
      Day care treatments covered
      Domiciliary hospitalisation included
      Zurich Kotak Health Super Top Up 3 lakh to 40 lakh 91 days to 80 years Cover your entire family under one plan
      Choose from multiple plan variants
      Wide range of sum insured options
      See More Plans

      *Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.

      1. Aditya Birla Activ Assure Diamond + Super Health Top-up- The Aditya Birla Activ Assure Diamond + Super Health Top-up policy provides coverage up to ₹ 95 lakh and comes with a policy period of 1, 2 and 3 years. This plan can be purchased on both individual and family floater basis.
      2. Bajaj Allianz Extra Care - Bajaj Allianz Extra Care is a diverse plan that offers sums ranging from 10 to 50 lakhs with deductibles between 3 to 5 lakh mostly. Being a reliable health insurer in India, they offer health insurance for individual and families. For policyholders under the age of 55, no medical tests are needed. The plan covers pre and post hospitalisation costs too, for up to 60 and 90 days respectively.
      3. Care Enhance Super Top-up - This plan offered by Care Health Insurance Ltd. (formerly known as Religare Health Insurance Co. Ltd.) ensures the entire family is protected under the family insurance plan. With a range from 1 to 30 lakh, the policyholder can choose their sum as per their needs. There is an option for admission in a single private room. The top-up plan also allows for no limit on ICU charges and physician fees. It includes organ donor expenses as well.
      4. Cholamandalam Super Top-up - This super top-up health plan is available for individuals aged between 3 years to 70 years. The maximum sum insured of this policy is ₹25 lakh.
      5. Digit Health Care Plus - Digit Health Care Plus plan offers plenty of benefits to the insured. The policy provides coverage up to 20 lakh and is available for both child and adult.
      6. Future Generali Future Advantage Top-up - The Future Generali Future Advantage Top-up policy covers multiple treatments and procedures including hospitalisation expenses, day care treatments, organ donor expenses, etc. This top-up plan offers sum insured up to ₹ 1 crore.
      7. HDFC ERGO Health Suraksha Top-up Plus - With a wide cover for 2 to 10 lakh, this plan is a good top-up to any existing plan. Hospitalisation and pre and post hospitalisation costs are covered. There is no room rent cap.
      8. ICICI Lombard Health Booster - The ICICI Lombard Health Booster plan allows you to increase your existing cover value. The plan provides a wide range of sum insured and deductible options to choose from.
      9. IFFCO Tokio Health Protector Plus - This policy not only covers serious illnesses but also offers a range of helpful benefits when you need them the most. People between the age of 3 months to 65 years are eligible for this plan.
      10. Liberty Health Connect Supra - The Liberty Health Connect Supra provides additional financial coverage beyond your policy's basic sum assured. The minimum and maximum sum insured of this policy are ₹50,000 and ₹20 lakh, respectively.
      11. Magma HDI OneHealth Extra Cover - With this top-up plan, you select from a range of sum insured and aggregate deductible options. In fact, there are no restrictions on room rent. The plan also gives you the option to reduce the waiting period for pre-existing conditions from 36 months to 24 months.
      12. ManipalCigna Super Top-up - The ManipalCigna Super Top-up health insurance plan offers coverage amounts ranging from ₹1 lakhs to ₹30 lakhs, along with guaranteed cumulative bonus benefits and protection for non-payable expenses.
      13. National Super Top-up Mediclaim Policy - The policy offers plans for both individuals and families on a floater basis, with sum insured options ranging from ₹3 lakhs to ₹20 lakhs. It is available for people aged 18 to 65 years, making it suitable for a wide range of age groups.
      14. New India Top-up Mediclaim Policy - The New India Top-up Mediclaim policy is available for both individual and floater sum insured options, covering up to 6 family members. The proposer must be between 18 and 65 years old, while other family members can be as young as 3 months and up to 65 years old.
      15. Niva Bupa Health Recharge Super Top-up - This super top-up mediclaim policy offers sum insured ranging between ₹2 lakh to ₹95 lakh. It provides coverage for plenty of expenses including ambulance costs, day care treatment expenses, domiciliary expenses, etc.
      16. Oriental Super Health Top-up - The Oriental Super Health Top-up plan provides additional health insurance coverage beyond your regular medical policy. It offers sum insured options up to ₹30 lakh, with deductibles starting from ₹3 lakh.
      17. Raheja Health QuBE Super Top Up - This super top-up medical insurance policy is available for individuals aged between 18 to 65 years. The sum insured options under this plan starts from ₹2 lakh and goes up to ₹1 crore.
      18. Reliance Health Super Top Up Insurance- The Reliance Health Super Top Up Insurance plan offers deductibles ranging from ₹2 lakhs to ₹20 lakhs, with sum insured options between ₹5 lakhs and ₹1.3 crore. This plan is available to individuals aged 18 to 65 years.
      19. Royal Sundaram Advanced Top Up Health Insurance - This top up health insurance plan offers sum insured as high as ₹75 lakh and is eligible for individuals aged 91 days to 65 years. The Royal Sundaram Advanced Top Up Health Insurance plan is available on both individual and family floater basis.
      20. SBI Health Super Top-up - The SBI Health Super Top-up plan offers a sum insured ranging from ₹5 lakhs to ₹4 crores, with no maximum entry age limit. It also comes with the benefit of lifelong renewability, ensuring continuous coverage throughout your life.
      21. Star Health Super Surplus - An affordable health insurance policy in India that offers both individual and family plan options. There are two variants under this plan – the Gold and Silver. The Silver Plan is for sums between Rs 7 to 10 lakh, while the Gold Plan offers sums between Rs 5 to 25 lakh. This is one of the few health insurance plans that do not mandate a pre-policy check-up. Pre-existing diseases are covered after just 36 months of purchase of insurance. Maternity benefit, organ donor cover, air ambulance cover etc. are some of the features of this plan.
      22. Tata AIG Medicare Plus Super Top Up - The Tata AIG Medicare Plus Super Top Up plan offers sum insured between ₹3 lakh to ₹1 crore. Anyone aged between 91 days to 65 years can purchase this super top-up plan.
      23. United India Insurance Top Up - This plan allows policyholders to avail cashless treatment at many network hospitals in India. The sum insured varies as there are many options available.
      24. Universal Sompo Super Healthcare Insurance- This plan allows policyholders to avail cashless treatment at many network hospitals in India. With both an Individual and family floater plan, it caters to everyone's needs. The sum insured ranges from 1 to 20 lakhs, and it can be purchased by people ranging from the ages of 91 days to 80 years. All hospital expenses, rent expenses, surgery fees are all usually covered under this plan.
      25. Zuno (Formerly Edelweiss) Family Health Top-up - The Zuno (Formerly Edelweiss) Family Health Top-up plan comes with sum insured options ranging between ₹1 lakh to ₹5 crore and is available to individuals aged 18 years and above.
      26. Zurich Kotak Health Super Top Up - This super top up plan covers your entire family under a single policy. It even allows you to choose from multiple plan variants on the basis of your needs and requirements.

      Final Word!

      Top-up and super top-up plans are the great options if you want an extensive insurance coverage without having to pay a higher premium. These plans come to your rescue when the basic health cover becomes insufficient to pay your medical bills. Bear in mind that, such plans are active only when the incurred amount is higher than the plan deductible amount. So, you should be careful while choosing the top-up or super to-up sum insured.

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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

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      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

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