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Difference Between Top Up Health Insurance and Super Top Up Health Insurance Plans?

Updated On Nov 22, 2023

Health insurance plans are always helpful in keeping your health and finances safe. There are different types of health insurance plans. According to the scope of the coverage that one needs, one must choose the type of health insurance they require. Top-up and super top-up health insurance plans are especially catered towards those who require high insurance coverage. However, they help keep the premium amount at a low compared to the coverage that they provide. Take a look at what all they entail.

Difference Between Top Up Health Insurance and Super Top Up Health Insurance Plans?

What is a Top-Up Health Insurance Plan?

A top-up health insurance plan provides financial coverage to an already existing health insurance plan after the coverage from the old one has been exhausted. This is a very beneficial option for those who cannot afford to purchase another health insurance policy in case their current one cannot provide for them. A top-up on a health insurance plan acts as an additional layer of financial protection that is provided and can be accessed when all of the initial coverage is exhausted.

What is a Super Top-Up Health Insurance Plan?

Similar to a top-up in a health insurance plan, a super top-up also provides financial protection to the insured even if the initial coverage that they had purchased has been exhausted. Moreover, it does not only provide for a single payout as a top-up does. In fact, it provides for the entire cumulative amount that is charged and not covered by the base health insurance policy. In essence, therefore, the scope of financial coverage provided by the super top-up scheme is much more. 

Difference Between Medical Insurance Top-Up and Super Top-Up Medical Insurance Plans

Still confused about which one to choose? Here are the differences between top-up and super top-up insurance plans. 

Top-Up Health Insurance

Super Top-Up Health Insurance

Provides for single claims that are made if the coverage is exhausted or when it is above the deductible limit.

Provides for the entire cumulative medical expenses incurred that are over the deductible limit or when the initial coverage is exhausted.

Paid out for every claim made above the deductible amount.

Paid out as per the cumulative expenses that are levied due to medical charges beyond the coverage provided initially.


Benefits of Top-Up Health Insurance and Super Top-Up Health Insurance

If you are wondering whether you should get a top-up or a super top-up for your health insurance, here are several advantages of these two types.

  • Combating Inflation

With a top-up or super top-up handy, you can combat rising medical costs. Since it offers higher coverage, especially to be utilized when the initial one is over, it is handy while combating inflation without having to worry about meeting the costs of proper treatment.

  • More Tax Benefits

Having these kinds of top-up facilities also helps get additional tax benefits over what is usually provided with the basic health insurance plan. These additional tax benefits are provided according to the Income Tax Act of India and ultimately help one save money.


There are several advantages that are available with top-up facilities on insurance policies. First and foremost, they greatly help with any financial troubles that might occur due to insufficient cover. It helps the insured get the necessary treatment at ease and without having to worry about anything during their treatment. It is especially helpful in paying for more expensive treatments. 

Also read: 5 Hidden Benefits of Health Insurance

Health Insurance: Definition, Types, And Benefits Explained

Disclaimer: This article is issued in the general public interest and is 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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