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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.
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 Plan |
Entry age |
Tenure |
Deductibles |
Sum Insured |
|
Aditya Birla Activ Assure + Super Health Top-up |
5-65 years |
N/A |
N/A |
Rs 1 Crore |
View Plan |
Bajaj Allianz Extra Care Plus |
91days-80 years |
1/2/3 years |
N/A |
Rs 10 L and Rs 25 L |
View Plan |
Care Enhance Super Top-up Health Plan |
18years & above |
N/A |
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 |
N/A |
N/A |
N/A |
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 |
N/A |
N/A |
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 |
N/A |
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 |
1-Year |
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 |
Disclaimer: *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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 |
Key Features | Highlights |
Deductible | Need to be paid only once |
Cashless Treatment | Provided |
Online Purchase and Renewal | Available on Policybazaar |
COVID-19 Treatment | Covered |
There are several reasons to buy a Super-top up plans and some of them are given below:
A super top-up medical policy includes the following features and benefits:
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 |
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
For claims related to Coronavirus, make sure you have a positive test report from a government authorized Centre.
*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.
##On ground claim assistance is available in 114 cities
~No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
^Source - Google Review Rating available on:- http://bit.ly/3J20bXZ