Difference Between Top-up and Super Top-up Health Plans

In today’s time, especially after the COVID-19 pandemic, a medical insurance cover of up to Rs 20 lakh is necessary to get adequate coverage. But doing so would mean expensive premiums. The best way to get such higher coverage and pay lower premiums is by buying a top-up or super top-up health plan.

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      However, both these terms can be confusing to many. To help you know these terms better, here is the difference between top-up and super top-up plans in detail.

      The insurance benefits provided under the Super Top-up health insurance plans are similar to Top-up health plans. Both are used to provide higher insurance coverage while keeping the total premium low. 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).

      So, if you are planning to buy a top-up health plan or a Super top-up health plan, and want to know the difference between a Super Top-up plan and Top-up plan then you are at the right place:

      To-up and Super Top-up Difference Table

      The difference between Top-up and Super Top-up health insurance plans are given below:

        Top-up Health Plan Super Top-up Health Plan
      Meaning Health insurance cover above the threshold limit or deductibles Health insurance cover above the threshold limit or deductibles
      Number of Claims Single claim above the deductible limit Cumulative bills during a policy term once it exceeds the deductibles
      Deductible Paid On every claim Once during a policy year

      Example
      Sum Insured 10 lakh 10 lakh
      Deductible 2 lakh 2 lakh
      Claim 1 5 lakh 5 lakh
      Insured Pays 2 lakh 2 lakh
      Insurance Company Pays (Claim- Deductible amount) 3 lakh 3 lakh
      Claim 2 6 lakh 6 lakh
      Deductible 2 lakh -
      Insured Pays 2 lakh -
      Insurance Company Pays (Claim- Deductible amount) 4 lakh 6 lakh

      In the above table, both Top-up and Super Top-up plans had a sum insured of Rs 10 lakh. The deductible chosen is Rs 2 lakh. The amount claimed was Rs 5 lakh. And in both the plans the insurance companies paid Rs 5 lakh to the policyholder.

      When the second claim was filed it was Rs 6 lakh. In that case, anyone with a top-up health plan had to pay the deductible amount of Rs 2 lakh and the remaining Rs 4 lakh was paid by the insurer. Super top-up health insurance holders had to pay nothing and the complete claim amount i.e. Rs 6 lakh was paid by the medical insurance company.

      This is where a Super-Top up plan has a slight edge over a Top-up health plan.

      What is a Deductible in Top-up/Super Top-up Plans?

      Deductibles refer to the limit set by the Health Insurance companies. It acts as a safety net for the insurance company and prevents people from filing frequent and trivial medical claims.

      This amount needs to be borne by the policyholder. Deductibles are not covered by health insurance providers. They only pay the amount over and above the deductibles. Basically, the amount of deductibles need to be paid by you and the remaining amount i.e. the excess is paid by the insurer up to the sum insured limit.

      Here is an example to make it clear for you

      Let say your base health insurance policy is Rs 10 lakh and you buy a Super top-up of Rs 5 lakh on top of the base amount. And the deductible is Rs 2 lakh, then the insurance company will pay the bills exceeding Rs 2 lakh and up to Rs 10 lakh. The deductible amount can vary from one plan to another.

      Selecting the Best Option

      According to the experts, to cover the risk of chronic ailments requiring more than one hospitalization in a year, then a Super top-up plan should be your choice. Also, the cost of the premium is low in comparison to buying a separate health plan with higher coverage amount. Moreover, it is suitable for senior citizens, who tend to undergo medical procedures frequently. Super top-up plans with cumulative coverage can be quite beneficial here. To buy a top-up plan or a Super top-up medical plan you can write to us at care@policybazaar.com and call us at 1800-708-8787.

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