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Why a Super Top-Up Plan Can Be Your Healthcare Hero in India?

06 Apr 2024 - Tushar
Reading time about 4 minutes

In today’s world, medical costs are rising rapidly. Even with a basic health insurance policy, a single hospitalization can leave you with a hefty bill to pay out of pocket if it exceeds the sum insured limit. This is where super top-up plans come in as your financial safety net.

Super top up health insurance plan

What is a Super Top-Up Plan

A super top-up plan is an add-on health insurance plan that acts as a shield against high cumulative medical expenses throughout the policy year. Unlike a regular health insurance plan with a fixed sum insured, a super top-up plan works with a threshold limit (deductible). Here’s how it works:

  • Threshold Limit: This is the pre-determined amount you pay out of pocket before the super top-up plan kicks in. Think of it as a safety valve for the insurer.
  • Activation: The super top-up plan only activates if the total medical expenses incurred throughout the policy year exceed the threshold limit. All your covered medical bills, big or small, contribute towards reaching that limit.

Why is a Super Top-Up Plan Important?

Here are some compelling reasons why a super top-up plan should be a serious consideration for your health insurance portfolio:

1. Rising Medical Costs: Medical treatments and hospital stays are becoming increasingly expensive. A super top-up plan provides an additional layer of financial protection to ensure you’re not left scrambling to cover unexpected medical bills.

2. Cumulative Expenses: Even if you don’t anticipate a major hospitalization, smaller medical expenses can add up over the course of a year. A super top-up plan helps you manage these cumulative costs, providing peace of mind and avoiding financial strain.

3. Multiple Hospitalizations: Life can be unpredictable. If you have multiple hospitalizations in a year, the combined costs could easily exceed your primary health insurance plan’s sum insured. A super top-up plan steps in to cover these excess expenses.

4. Covers Pre and Post-Hospitalization Expenses: Many super top-up plans go beyond hospitalization costs. They may cover pre and post-hospitalization expenses like diagnostic tests, consultations, and medications, offering more comprehensive protection.

5. Affordable Coverage: Compared to simply increasing the sum insured on your primary health insurance plan, a Super Top-Up plan offers significantly more affordable coverage for high-cost scenarios. You get a much higher safety net without a substantial increase in premiums.

6. No Medical required: Generally, while purchasing a health insurance policy, a pre-medical examination is requested by the insurer (health insurance company) before the policy is provided to the person. But most of the super top up plans do not require any pre policy medical screening.


Imagine you have a health insurance policy with a sum insured of Rs. 5 lakh. You also have a super top-up plan with a sum insured of Rs. 50 lakh with a threshold limit of Rs. 5 lakh. Here’s how it can benefit you:

  • Scenario 1: You have a single hospitalization with a bill of Rs. 7 lakh. Your primary plan covers Rs. 5 lakh, and the remaining Rs. 2 lakh is picked up by your super top-up plan.
  • Scenario 2: You have two hospitalizations in a year: Rs. 6.5 lakh and Rs. 8 lakh. While each claim might be above your primary plan’s limit, the total of Rs. 14.5 lakh exceeds the threshold limit. Your super top-up plan then covers the remaining Rs. 9.5 lakh.

Who Should Consider a Super Top-Up Plan?

A super top-up plan is a valuable addition to your health insurance portfolio for a variety of individuals:

  • Young Adults: While seemingly healthy now, medical emergencies can arise unexpectedly. A super top-up plan offers affordable peace of mind.
  • Families: With multiple dependents, the chances of encountering medical expenses increase. A super top-up plan provides broader coverage for the entire family.
  • Senior Citizens: As healthcare needs typically increase with age, a super top-up plan offers valuable protection against high potential costs.
  • Individuals with Existing Conditions: Those with pre-existing conditions might face higher medical bills. A super top-up plan helps manage these potential costs.

Things to Remember

  • Choose the Right Threshold Limit: Select a threshold limit that balances affordability with your risk tolerance and potential medical needs.
  • Compare Plans: Research and compare different super top-up plans offered by various insurers before making a decision.
  • Read the Fine Print: Carefully understand the terms and conditions of your chosen super top-up plan, including exclusions and claim settlement procedures.

7 Super Top-Up Plans available in India

  1. Kotak Health Super Top-up Plan
  2. HDFC ERGO my:health Medisure Super Top-up
  3. Niva Bupa Super Top-Up Health Insurance Plan
  4. ICICI Lombard Health Booster
  5. Care Enhance Super Top-Up Plan
  6. Bharti AXA Super Top-up Health Insurance
  7. Star Super Surplus

Disclaimer: This list is not exhaustive and is for informational purposes only. Please compare plans from different insurers before making a decision. It’s important to consider factors like your budget, coverage needs, and claim settlement ratio before choosing a super top-up plan.


Overall, a Super Top-Up plan is a valuable and cost-effective way to enhance your health insurance coverage and safeguard yourself and your family from the financial burden of unexpected medical expenses. By offering an affordable way to extend your health insurance coverage, it can be your healthcare hero.

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