Super Top-up Health Insurance

If your health insurance sum insured is not enough to meet the rising medical expenses then a super top-up plan is a cost effective option to ensure that you are insured for any medical uncertainties in life.

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All health plans cover Covid-19 treatment
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      What is Super Top-up Health Insurance Plan?

      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 covers cumulative expenses unlike a regular top-up plan that covers single clams over and above the deductibles.

      This deductible amount is pre-decided, for example, if you have a Super top-up plan of Rs 10 lakh and it has deductible limit of Rs 3 lakh then the super top-up policy will cover medical expenses over and above Rs 3 lakh. This deductible amount can be paid from your current health plan and the remaining can be paid by the super top-up insurer.

      Super Top-up health Insurance plans in 2021

      Super Top-up Plan

      Entry age



      Sum Insured


      Aditya Birla Activ Assure + Super Health Top-up

      5-65 years



      Rs 1 Crore

      View Plan

      Bajaj Allianz Extra Care Plus

      91days-80 years

      1/2/3 years


      Rs 10 L and Rs 25 L

      View Plan

      Care Enhance Super Top-up Health Plan

      18years & above


      Enhance1: Rs 1 L-

      Rs 10 L

      Enhance 2: Rs 5 L- Rs 20 L

      Enhance 1: Rs 1 L- Rs 30 L

      Enhance 2: Rs 35 L-

      50 L

      View Plan

      Chola MS Super Top-up Plan

      3-70 years

      2/3 years

      Rs 50,000- Rs 1 Crore

      Rs 3 L- Rs  25 L

      View Plan
      Digit Super-Top up Health Plan 18-65 years




      View Plan
      Edelweiss Family Health Top-up Plan 18 years & above

      1/2/3 years

      As per SI

      Rs 1 L- Rs 500 L

      View Plan
      Kotak Health Super Top-up Plan N/A

      1/2/3 years



      View Plan
      Liberty Connect Supra Top-up ( I & II) 91 days-65 years

      1/2/3 years

      Rs 2 L- Rs 10L

      Rs 10 L-Rs 40 L

      Rs 3 L- Rs 20 L

      Rs 10 L- Rs 1 Crore

      View Plan
      Manipal Cigna Super Top-up Plan 18 years & above

      1/2/3 years


      Super Plus: Rs 3 L- Rs 30 L

      Super Select:  Rs 1 L- Rs 30 L

      View Plan
      National Super Top-up Mediclaim Policy 18-65 years

      1/2/3 years

      Rs 2 L- Rs 10 L

      Rs 3 L- Rs 20 L

      View Plan
      Oriental Super Health Top-up Plan 18-65 years


      Rs 3 L to Rs 10 L

      Rs 3 L to Rs 30 L

      View Plan
      Raheja Health QUBE Super Top Up Plan 18-65 years

      1/2/3 years

      Rs 1 L- Rs 50 L

      Rs 2 L- Rs 1 Crore

      View Plan
      United India Super Top-up Medicare Policy 18 years-69 years N/A Rs 2 L/Rs 3 L/Rs 5 L Rs 3 L- Rs 15 L View Plan
      Universal Sompo Super Healthcare Super Top-up Plan Up to 80 years 1/2/3 years

      Gold: Rs 1 L- Rs 4 L

      Diamond: Rs 6 L- Rs

      10 L

      Platinum: Rs 10 L- Rs 40 L

      Gold: Rs 2 L- Rs 10 L

      Diamond: Rs 3 L- Rs 20L

      Platinum: Rs 10 L- Rs 100 L

      View Plan
      See More Plans

      Disclaimer: *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Here is an illustration table to help you understand better:

      Super Top-up Plans
      Deductible Rs 4 lakh
      Sum Insured  Rs 12 lakh
      Claim Amount Rs 8 Lakh
      You Pay Rs 4 lakh
      Insurer Pays Rs 4 lakh

      Highlights of Super Top-up Health Insurance Plans

      Key Features Highlights
      Deductible Need to be paid only once
      Cashless Treatment Provided
      Online Purchase and Renewal Available on Policybazaar
      COVID-19 Treatment Covered

      Who Should Buy a Super Top-Up Health Plan?

      There are several reasons to buy a Super-top up plans and some of them are given below:

      • For Senior citizens (above 60 years) and parents- With the age of the insured the premium also becomes higher. Buying a super top-up policy can considerably reduce the premium. The only drawback is that you need to pay the deductibles from your existing health or corporate plan or your pocket.
      • Upgrade Employer Health Plan- Buy a Super top-up health plan to upgrade corporate health insurance in case your sum insured does not suffice. With a super top-up plan, you can enhance your coverage amount without the need to pay as much as a standard health plan!
      • If Your Existing Coverage is Insufficient - If you feel that the sum insured of your existing mediclaim policy is low and comes with limited benefits, then a super top up plan can boost your coverage, without any hassle of buying or porting to a new comprehensive health plan.

      Features and Benefits of a Super Top-up Health Insurance Plan

      A super top-up medical policy includes the following features and benefits:

      • Covers Treatment for Coronavirus Pandemic- In addition to other illnesses, super top-up medical plans are designed to cover the treatment cost of the COVID-19 pandemic.
      • Pay Deductibles only once- In this type of insurance, you are required to pay the deductibles only once and can claim it multiple times during a policy term.
      • Customizable- You can choose any limit of deductibles as per your existing plan and sum insured.
      • Higher Sum Insured- Your coverage amount can be increased over and above your corporate plan at a lower premium so that you never fall short of the sum insured.
      • Lack of benefits in the Existing plan- Many corporate policies do not offer extensive coverage benefits like Ayush treatment and critical illnesses cover but your super top-up plan will.
      • Greater coverage for seniors and parents- The premium for health insurance plans for elderly people and seniors can be too high. But with a super top-up plan, you can enhance your coverage for your parents at a lower premium.
      • Additional Tax Saving- Like all the other health insurance plans, a super top-up health plan offers tax-saving benefits on the premium paid.x
      • Get treated at Network Hospitals- You can avail cashless treatment in any of the hospitals in your insurer’s network. You can also get reimbursement of expenses.
      • Quick and Hassle-free- The policy can be purchased online and the claims are also quick and hassle-free

      Difference between Super Top-up and Top-up Health Plan

      Check out the difference between top-up and Super top-up plans as given in the table below:

      Situations Top-up Health Insurance Plan Super Top-up Health Plan
      Coverage Provides single claim cover above and beyond the threshold limit of the existing medical insurance Similar but they cover cumulative medical expenses exceeding the deductible and sum insured. It pays for expenses that are not covered by  a top-up plan
      Policy ( Mr. Gupta has a policy of Rs 5 Lakh) In case he gets a Top-up plan of Rs 10 lakh with Rs 5 lakh deductibles In case he get a Super top-up policy of Rs 10 lakh with deductible of Rs 5 lakh
      In the event of a Single claim of Rs 12 lakh Basic health plan covers Rs 5 lakh. Top-up plan pays for remaining Rs 7 lakh above the deductible Basic health plan covers Rs 5 lakh. Super top-up will pay for remaining Rs 7 lakh above the deductible
      In the event of two claims of Rs 4 lakh each Your health plan will cover Rs 4 Lakh and Rs 1 lakh for the 2nd claim. As the amount is not more than Rs 5 lakh, the top-up health plan won’t be activated Your health plan will cover Rs 4 Lakh and Rs 1 lakh for the second claim. The remaining Rs 3 Lakh will be covered under the Super top-up health plan
      In the event of a claim of Rs 7 lakh and Rs 4 lakh Your health insurance will pay Rs 5 lakh from 1st claim and remaining Rs 2 lakh to be covered under the Top-up Plan for the 1st claim. The 2nd claim is not covered under the top-up policy as it does not surpass the deductible limit Your policy to pay Rs 5 lakh for 1st claim and Super Top-up to pay the remaining Rs 2 lakh and Rs 4 lakh for the 2nd claim

      Medical Expenses Covered under Super Top-up Health Insurance Plans

      It pays claims for cumulative medical expenses during the policy term once it exceeds the deductible, vs. a regular top-up insurance that covers only a single claim above the threshold limit.

      All Hospitalization: This covers fees charged by the Doctor, Surgeon, Medical Practitioner, Anesthetist, and Nurses. Diagnostic tests, anesthesia, surgical appliances, blood, oxygen, medicines, and OT charges Cost of artificial body parts and internal implantations like a pacemaker, if required as a part of the surgery

      • Pre/Post Hospitalization: It includes expenses before and after hospitalization
      • Day Care Procedures: Daycare treatment expenses during the treatment that do not require a 24-hour of hospital stay shall be covered
      • ICU Room Rent: Room Rent, Nursing Expenses, and ICU Expenses are covered
      • Road Ambulance Charges: It is one of the most basic facilities that are required during a medical emergency. The cost of the same is included in a super top-up plan.
      • Complimentary Annual Health Checkup: Medical expenses towards any annual medical checkups are claimable after completion of certain duration of the policy period

      What is Not Covered under Super Top-up Health Insurance Plans?

      • You cannot file a claim until your policy deductible limit is exhausted
      • Medical expenses of the newborn baby
      • Organ donor pre and post hospitalization expenses
      • Dental surgeries unless requires hospitalization
      • Any loss of damage due to war, rebellion, acts of foreign enemies, invasion, hostilities, civil war etc.
      • Plastic surgeries
      • Cost of contact lenses, spectacles or hearing aids
      • Congenital diseases and stem cell implantation surgery
      • Drug or alcohol abuse
      • Treatment of venereal diseases 
      • HIV/AIDS treatment 
      • Vaccination or inoculation unless required for an animal bite or as part of the treatment
      • Vitamins and supplements unless required as part of in-patient hospitalization
      • Experimental treatments

      How to file a Claim for Super Top-up Health Plan?

      • Reimbursement Claims - In case of hospitalization you need to inform the insurer about it as soon as possible. You can also register your claim over email.  Nowadays, even claims are digital, all you need to do is submit your hospital bills and all relevant documents to initiate the reimbursement process.
      • Cashless Claims – For cashless treatments you need take admission in a network hospital. You can display your e-health card to the hospital helpdesk and ask for the cashless request form. If all is good, your claim will be processed then and there.

      For claims related to Coronavirus, make sure you have a positive test report from a government authorized Centre.


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