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What are Top-up and Super Top-up Health Insurance Plans?

Top-up and Super Top-up plans act as a Stepney to your base health policy after you exhaust the sum insured limit. A regular health insurance policy reimburses hospital bills up to the sum insured while a top-up or super top-up plan covers costs after a certain threshold limit is reached.

In simple terms, when you are hospitalised, the insurance company will pay up to the set sum insured limit. But on the other hand, in case of top-up and super top-up plans will come into rescue only after a certain amount, say, ₹3,00,000 has been crossed, it will pay for the insurance claim amount above and over it.

What are Health Insurance Top-up Plans?

If you have bought a health insurance policy with a low sum assured and not satisfied with it, you can consider buying a top-up insurance plan. A top-up plan increases the insurance coverage over and above the already existing base health insurance policy at comparatively low premium rates as compared to the cost incurred in increasing the sum assured in the base policy.

A top-up plan provides extra coverage over the sum insured in your base policy, it comes to your rescue when the claim crosses a threshold limit known as the deductible. That means the top-up plan becomes active only when the claim amount is higher than the top-up deductible.

In Top-up plans, the deductible is applied on every claim separately which means all claims are treated individually in this cover and multiple claims under the same policy period are not aggregated.

What are Health Insurance Super Top-up Plans?

Super top-up plans are similar to top-up plans, they provide extra coverage over base policy after reaching deductible amount, except that the top-up plan covers a single claim above the threshold limit, while the super top-up covers the total amount of all the hospitalisation bills above the threshold limit in a year.

Difference Between Top-up and Super Top-up Plans

Both the Top-up and the super Top-up plans provide extra coverage over base policy after crossing the deductible amount but in the case of top-up plans the deductible is applied on each claim separately during a year while in the case of super top-up plans the deductible is applied once in a year and above that, all the medical expenses are to be reimbursed by the insurance company.

For example, Mr. Sharma and Mr. Verma both have a 5 lakh insurance policy and Mr. Sharma has a 20 lakh top-up policy while Mr. Verma has a 20 lakh super top-up policy, both are having multiple claims in a year. Let's see how the policy will work in both cases.

Claims

Mr. Sharma (top-up policy)

Mr. Verma (super top-up policy)

Rs. 3 Lakh claim

Rs. 3 Lakh will be paid through base policy.

Rs. 3 Lakh will be paid through base policy.

Rs. 4 Lakh claim

Rs. 2 Lakh will be paid through base policy, while the extra amount would be paid by Mr.Sharma from their pocket as top-up will not activate because the bill is less than 5 lakh i.e. deductible amount.

Rs. 2 Lakh will be paid through base policy while resting Rs. 2 Lakh from the super top-up policy.

Rs. 6 Lakh claim

Rs. 5 Lakh will be paid by Mr. Sharma himself while the rest of the amount will be paid by the top-up policy.

Rs. 6 Lakh will be paid by the super top-up policy.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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