Max Bupa Health Insurance Top-up & Super Top-up Plan

Typically, insurance covers up to a specific limit. However, if the policyholder requires hospitalization or the cost of a particular treatment exceeds the cover, a top up or super top up policy can help to cover the additional expenses.

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Max Bupa Health Insurance Top-up & Super Top-up Plan

All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    Max Bupa Health Insurance top up plans are a supplementary cover that work beyond the normal health coverage. Known as Health Recharge and Money Saver Plan, these Max Bupa Health top up and super top up plans reimburse all additional expenses beyond the coverage of the original plan.

    Max Bupa Health Insurance Top Up Plans: Key Highlights 


    Health Recharge – Family Health Insurance Plan

    Money Saver – Family Health Insurance Plan

    Sum Insured in INR

    2/ 3/ 4/ 5/ 7.5/ 10/ 15/ 25/ 40/ 45/ 65/ 70/ 90/ 95 lakh, in 3 categories

    Up to Rs 1 Crore

    Health Check-up




    E-saver: 10,000 / 25,000 / 50,000

    Super Top Up: Rs. 1 lakh to Rs.10 lakhs, in the multiples of 1 lakh

    Please check with the provider or consult Max Bupa Health Top Up Plan Brochure for more details.

    In-Patient Care

    Covered up to Sum Insured

    Covered up to Sum Insured


    Covered up to Sum Insured

    Covered up to Sum Insured

    Day Care

    Covered up to Sum Insured

    Covered up to Sum Insured

    Room Category

    Single Private Room:

    Optional for 2 lakh – 4 lakh Covered for 5 lakh – 95 lakh

    No limit on room rent, any type below suite level is permissible

    It is recommended to check Max Bupa Health Top Up Premium Chart and Max Bupa Health Super Top Up Premium Chart for further benefits under additional premiums. The provider has an easy Max Bupa Health Premium Calculator to check the premiums as well for both top up plans.

    Types of Max Bupa Health Insurance Top Up Plans

    There are two different plans offered under Max Bupa health insurance:

    • Health Recharge-Super Top-up
    • Money Saver-Top-up

    Health Recharge

    This is a super top up plan that removes the rent cap and covers daycare treatment. In addition, it also covers in-patient treatment, up to the sum insured value that can go up to Rs 95 lakh. The sum insured begins from 2 lakh. This plan can cover 2 adults and 4 children. Premiums begin from Rs 3762 per annum. One can check Max Bupa Top-up & Super top-up plan premium chart to get the best option.

    Money Saver

    This is a top up plan that provides in-patient care up to Rs 1 crore of the sum insured. It provides annual health check-ups and up to Rs 2000 hospital cash benefit per day. The cover begins from 10.5 lakh. This plan can cover 2 adults and 4 children. Premiums begin from Rs 8181 per annum.

    Key Features & Benefits of the Max Bupa Top-up & Super Top-up Plans

    Max Bupa health insurance top up and super top up plans come with comprehensive benefits:

    • The policy comes with a free-look period of 15 days.
    • Tax benefits under section 80D of Income Tax Act, subject to amendments is available.
    • The cashless facility at all network hospitals across the country is available.
    • Coverage till sum insured for Ayurveda, Unani, Siddha, and Homeopathy is available.
    • The customer service team handles claim settlements directly without a TPA.
    • The plan renews for life irrespective of prior claim history
    • Annual health check-up only with the Money Saver Plan.

    Inclusions of the Max Bupa Health Insurance Top-up & Super Top-up Plans

    The policy covers the insured for the following expenses:

    • In-patient hospitalization expenses
    • Pre- and post-hospital expenses
    • Domiciliary hospitalization
    • Organ transplant expenses
    • Domiciliary expenses
    • Emergency ambulance cover
    • Day care treatment cover

    Exclusions of the Max Bupa Top Up & Super Top Up Plan

    This policy doesn’t cover the following expenses:

    • Ancillary Hospital Charges
    • Hazardous Activities
    • Artificial Life Support
    • Behavioral, Neurodevelopmental and Neurodegenerative Disorders
    • Circumcision
    • Conflict and Disaster

    For the complete list of exclusions, please refer to the Max Bupa Health Top Up Plan Brochure

     Eligibility Criteria

    The Max Bupa health insurance top up policy has certain eligibility conditions as mentioned below:

    Minimum Entry Age

    18 years

    Maximum Entry Age


    Renewal Terms

    Life renewal

    Cooling Period

    30 days unless in the case of accidents

    Wait Period for Named Elements

    24 months for some illnesses as mentioned in Max Bupa Health Top Up Plan Brochure

    Cancer: 30 days

    Accident: Covered from the outset

    Pre-existing Disease Waiting Period

    36 Months since inception and continuous renewal

    Sum Insured Modification

    Available on renewal, subject to underwriting

    Grace Period

    30 days from the expiry


    As per Board underwriting norms


    As applicable

    Thus, it is clear that these plans provide significant boosts to an individual's coverage over and above the existing health insurance plan. With Max Bupa top up plans, one can cover hospitalization, daycare, and pre-and post-hospitalization expenses. There are other benefits as well, as listed above.


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