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Super Top-Up Health Insurance | Meaning & Benefits

A top-up is an additional health insurance plan bought separately to enhance the coverage provided by the base policy. Top-up policy benefits trigger when you exhaust the deductible limit during a claim. 

A super top-up health insurance plan goes one step further to provide cumulative coverage over a policy year. Instead of considering a single claim to exclude the deductible amount, it combines all the claims over the policy year. When the combined claim amount exceeds your super top-up deductible limit, your super top-up policy starts covering the costs. It is useful when you make multiple small claims over a policy year.

For example, you buy a super top-up policy with a cover of Rs. 20 Lakh and a deductible of Rs. 5 Lakh along with a base policy with Rs. 5 Lakh sum insured. You make a claim of Rs. 3 Lakh, and your base policy covers it. You make another claim during the year, again of Rs. 3 Lakh. This time, your base policy covers just Rs. 2 Lakh as the remaining cover limit for the year. 

Now, if you had a regular top-up plan, it would not cover any of these claims as both claims are less than the deductible of Rs. 5 Lakh. Since you bought a super top-up policy, it combines both of your claims. As both claims, put together, cost Rs. 6 Lakh, your super top-up policy covers the remaining Rs. 1 Lakh and pays the claim.

A super top-up policy is more inclusive as it provides cumulative coverage over multiple claims. It also comes at an affordable price. 

 

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