Super top up health insurance is an add-on health plan that increases coverage at a low cost once medical expenses cross a fixed deductible.
Super top up health insurance is an additional health insurance policy that provides extra coverage once your medical expenses cross a predefined limit called the deductible. It works alongside your existing base health insurance plan or employer-provided group health insurance to protect you from high hospital bills.
It exists because regular health insurance plans often have limited sum insured, which may not be sufficient in today’s high medical cost environment. Treatments, surgeries, and ICU care can easily exceed basic coverage, especially in metro cities.
Unlike regular group health insurance, a super top up plan does not start paying from the first rupee. It only comes into action after the deductible amount is exhausted. This makes it more affordable while still offering high coverage.
Super top up health insurance works on the concept of a deductible. The deductible is the amount you must pay or cover through your existing health insurance before the super top up policy starts paying.
One key advantage of a super top up plan is that it considers the total of multiple hospitalizations in a policy year. If the combined medical expenses cross the deductible, the policy pays the remaining eligible amount.
For example, assume you have a super top up health insurance policy with a deductible of ₹5 lakh and a coverage of ₹20 lakh. If you are hospitalized twice in a year and spend ₹3 lakh the first time and ₹3 lakh the second time, the total expense becomes ₹6 lakh. Since this exceeds the deductible, the super top up policy will cover ₹1 lakh, subject to policy terms. A regular top up plan would not cover this scenario.
The premium of a super top up health insurance policy depends on several factors. Age plays a major role, as premiums increase with higher age brackets. The sum insured selected directly affects the premium. Higher coverage leads to higher premiums. The deductible amount also impacts cost. A higher deductible usually results in a lower premium.
Premiums vary from insurer to insurer based on underwriting policies, claim experience, and additional benefits offered. Therefore, any premium chart should be considered indicative and not fixed.
Super top up health insurance is ideal for individuals who already have employer-provided health insurance but want higher coverage at a low cost. Families facing rising medical costs should also consider it, as hospitalization expenses for multiple family members in a year can quickly add up.
Senior citizens can benefit from super top up plans, but they should review waiting periods, co-pay clauses, and exclusions carefully before buying.
People living in metro cities should strongly consider super top up health insurance because treatment costs in urban hospitals are significantly higher.
Super top up health insurance generally covers hospitalization expenses once the deductible is crossed. This includes room rent, doctor fees, nursing charges, and surgery costs as per policy limits. Many plans also cover daycare procedures that do not require 24-hour hospitalisation. Pre-hospitalisation and post-hospitalisation expenses may be covered if explicitly mentioned in the policy wording. ICU expenses and room rent are covered based on policy terms, sub-limits, and sum insured.
Super top up health insurance usually does not cover OPD expenses such as routine doctor consultations, diagnostics, and medicines unless specifically included.
Non-medical expenses like gloves, toiletries, personal comfort items, and administrative charges are excluded.
Any claim where the total hospitalization expenses do not cross the deductible will not be paid.
Expenses related to diseases or treatments falling under the waiting period are excluded until the waiting period is completed.
Before your next hospital bill surprises you, review your existing health cover and see if a super top up health insurance plan fits your needs.
It depends. If bought individually, yes. If part of a group policy or deducted via payroll, GST still applies.
Through the Super top-up feature, you can increase the sum insured by up to 20 Lacs on your base policy.
If you think your current insurance coverage is not enough or if you want to add dependents to your policy, you should buy super top-up. It is easy to increase cover and add dependents with super top-up.
You choose a deductible and pay the premium for super top-up. When required, you pay the deductible with money or with existing health coverage for it to get triggered to cover your hospitalization expenses.
Both are extensions to your existing health cover. However, top-up is valid for only one hospitalization claim and super top-up is valid for all hospitalizations in a year up to the specified limit. You have to pay the deductible for top-up for every claim in a year whereas for super top-up only once in a year.
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