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Super Top Up Health Insurance Plans' Details & Benefits

Updated On Jun 25, 2020

Super Top Up Health Insurance Plans - Life is an unpredictable journey. It can take sharp, fatal turns, at times. It holds the potential to leave someone physically, emotionally, mentally, and financially bruised. And if you are unprepared to deal with it, then circumstances like these can pinch our wallets and leave you dry in no time. 

This is why we rely on health insurance plans that keep us financially strong during any medical emergency and keep our minds at ease. Given our propensity to ask for more in life, it is natural for us to want extra healthcare benefits, that too at nominal rates. 

Here comes into the scene super-top-up health insurance plans.

A super top-up plan is a smart way to get extra coverage and maximum benefits at minimum expenses. No doubt, adding extra benefits under your existing health insurance plan may cost you an additional premium, it is not the case with a super top-up product.

Let’s discuss what super top-plans plans are and how they work.

What are Super Top Up Health Insurance Plans?  

Super top-up plans are a type of product that offers you cover over and above your standard health insurance plans. They secure you from surging medical costs and unexpected health issues. You can avail of all the added coverage and related benefits at affordable premiums by choosing such plans. 

Unlike top-up plans, super top-up plans make you eligible for multiple claims in one policy year even though your entire sum insured amount gets exhausted. 
You can buy a super top-up plan from any insurer. It is not mandatory to buy it from the same insurer from where you brought your base policy. 

You may also like to read: A Complete Guide to Top-Up Health Insurance Plans!

Some popular super top-up health insurance plans in the market are - Star Health Super Surplus, Religare Enhance, Apollo Munich Optima Super (now HDFC Ergo Health), and HDFC Health Medisure Super Top-up

How Do Super Top Up Health Insurance Plans work?

Both top-up and super top-up health insurance plans can be used only when the claim amount exceeds the sum insured and deductible of the base policy. But unlike a top-up plan, a super top-up plan doesn’t work on a per single hospitalisation basis. 

Let us understand this with an example:

Mr. Arora has base health insurance with a sum insured of Rs. 5 Lakh. 

He additionally buys a super top-up of let’s say, Rs. 10 Lakh with Rs. 5 Lakh as deductible.  

In the case where  Mr. Arora makes two claims of Rs. 7 Lakh and Rs. 4 Lakh each, his base health insurance plan will pay Rs. 5 Lakh from the first claim. The remaining Rs, 2 Lakh from the first claim as well as second claim of Rs. 4 Lakh will be covered by the super top-up plan.

Benefits Of Super Top Up Health Insurance Plans

Apart from the usual tax benefits, super top-up plans offer the customers several other benefits too. Read them below: 

  • Additional benefit: A super top-up plan offers benefits over the base. This means it supplements your standard health insurance plan by covering you for additional features beyond the deductible.  

  • Lower premium: Super top-up plans are cheaper than regular health insurance plans. The premium amount for these plans depends on the deductible.

  • Claim settlement: Claims are settled when the amount in hospital bills crosses the deductible amount. Also, you can make multiple claims with a super top plan in hand. 

Also Read

Insurance Companies To Offer COVID-19 Specific Insurance Plans

Comprehensive Health Insurance Vs Critical Illness Plan


Super Top-up plans are an excellent way to avail coverage over and above your standard health insurance plans. 

With InsuranceDekho by your side, you can find top-up plans, super top-up plans, and can even buy an additional policy from a pool of popular health insurance companies online. 

In order to make the best buying decision, call on the toll-free number of InsuranceDekho i.e. 1800-1205-698 and talk to the knowledgeable customer care executives. 

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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