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What Is a Super Top Up Health Insurance Plan, and How Does It Work?

Published On Mar 14, 2022 11:00 AM By InsuranceDekho

Super Top-Up Health Insurance Plans are Life of a journey which is full of surprises. At times, it can take dramatic, catastrophic turns. It has the ability to cause physical, emotional, mental, and financial harm to the victim. And if you are not prepared to cope with it, situations like this can strain our wallets and leave us broke in no time. This is why we rely on health insurance policies to keep us financially secure and our minds at peace in the event of a medical emergency.

Super Top-Up Health Insurance Plans

Super Top-Up Plans are a sort of product that provides coverage in addition to your regular health insurance. They protect you from rising medical bills and unanticipated health problems. By opting for such plans, you may get all of the extra coverage and perks at a low cost. Super Top-Up Plans, unlike Top-Up Plans, let you file several claims in the same policy year, even if your total sum insured is exhausted. Any insurer can sell you a Super Top-Up package. It is not required that you purchase it from the same insurer as your base insurance. Star Health Super Surplus, Religare Enhance, Apollo Munich Optima Super (formerly HDFC Ergo Health), and HDFC Health Medisure Super Top-up are some of the most popular Super Top-Up Health Insurance Policies on the market.

How Do Super Top-Up Health Insurance Plans Work?

Only when the claim amount exceeds the total covered and deductible of the base policy can top-up and super-top-up health insurance policies be used. A super top-up plan, however, does not work on a per-hospitalization basis like a top-up plan does. 

Let us look at an example to help you understand:
Mr. Prince has a basic health insurance policy with a Rs. 5 lakh sum insured. He also purchases a super top-up of, say, Rs. 10 lakh, with a deductible of Rs. 5 lakh. Mr. Prince's base health insurance plan will pay Rs. 5 lakh from the first claim if he makes two claims of Rs. 7 lakh and Rs. 4 lakh each. The extraordinary top-up plan will cover the remaining Rs. 2 lakh from the first claim as well as the second claim of Rs. 4 lakh.

Benefits of Super Top-Up Health Insurance Plans

1. Additional Benefit: A super top-up plan provides additional benefits beyond the regular plan. This implies it adds to your existing health insurance plan by covering you for extra benefits over and beyond the deductible.

2. Lower Premium: Regular health insurance plans are more expensive than super top-up plans. The cost of these plans is determined by the deductible.

3. Claim Settlement: When the sum of hospital costs exceeds the deductible, the claim is resolved. With a super top plan, you can also file several claims.

4. Covers Treatment for Coronavirus: Super top-up medical policies are meant to cover the cost of treatment for the COVID-19 pandemic, in addition to other ailments.

5. Treatment at Network Hospitals: You can get cashless treatment at any of your insurer's network hospitals. You may also be entitled for reimbursement of expenses.

Take Away

The deductible for super top-up health insurance coverage is predetermined. Once you have paid your deductible and your existing health insurance policy, the super top-up policy will cover the rest of the covered amount. You can pay the deductible over time, and you can file several claims within the insurance period.

Also Read: Understanding Health Insurance Policies in General

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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