Save tax up to ₹75,000 ~ u/s 80D.

Let us help you find
a Perfect Plan

Buy Now
Get a call back from us


Or call us on our toll free number

Thank You

Thank you!

We thank you for your interest in Care Health Insurance Limited . Our expert will call you soon to assist you.

Message Welcome to Live Chat Call

Start Chat


Top Up Medical Insurance Policy

Super Top up Health Insurance Plan

If you think your current health insurance coverage is insufficient to meet your healthcare needs, you can choose a super top-up health plan to supplement your coverage. It enhances health coverage by increasing the sum insured and benefits to provide maximum protection against medical expenses.

  • Cashless Treatment Facility at 11400+ Network Hospitals
  • Coverage for Modern Treatments like Robotic Surgery, etc
  • AYUSH Cover for Sustainable Treatment & Speedy Recovery
  • No Pre Policy Medical Test is Required*
Cashless Healthcare Providers^^
48 Lakh+
Claim and Customer Support
Discount Sticker

Get quote in 1 minute Discount Sticker


+91 Verified
  • Please Select Product
By clicking, you agree to ourT & C

What is Super Top up Health Insurance Plan?

A super top-up health insurance plan is additional coverage to your standard health cover. It assists you in covering additional medical expenses if your existing insurance coverage is exhausted. It might get pricey to add insurance benefits to an existing health insurance policy; this is where the super top-up policy can be of use. The super top-up coverage becomes active for the claims once the deductible has been paid. A super top-up health plan works on the principle of policy deductible. The policy pays for your medical expenses only after you bear a pre-decided deductible amount.Even though this might provide you with a lesser settlement amount than Family Health Insurance Plans, this can be beneficial in the long run as it ensures comprehensive coverage.With Care Health Insurance, you can choose a suitable deductible anywhere between 1 to 10 lakhs, ensuring better flexibility in managing healthcare finances. So, if you are looking forward to boosting your healthcare coverage, it is wise to choose super top-up insurance.

Super Top-up Health Insurance Highlights

Key Features Product Details
Deductible(or existing Policy Sum Insured) 1L to 10L
Sum Insured 1L to 30L
In Patient Care Up to Sum Insured
Pre Hospitalization 30 Days
Post Hospitalization 60 Days
Day Care Treatment
Room Rent Category Single Private Room
ICU Charges, Doctor's Fee etc. No Limit
Health Check-Up
Organ Donor Cover No Limit

Unique Features of Super Top up Health Insurance Plan


One Policy for the Entire Family

You can avail of a long-term policy discount on buying a super top up mediclaim policy for more than 1 year. Focus on adding more to your savings with premium discounts on a 2-year and 3-year policy.


Discount with Multi-year Policies

You can avail of a long-term policy discount on buying health insurance super top-up plans for more than 1 year. Focus on adding more to your savings with premium discounts on a 2-year and 3-year policy.


Cashless Hospitalization Facility

With the facility of cashless hospitalization, you will no longer be worried about medical bill payments. We will settle your expenses directly with the network hospital, subject to policy T&C.


Direct Insurance Claim Filing

Present the Care Health Card at any of our 24800+ leading network hospitals and access the cashless service or notify us immediately to reimburse claims when you opt for a non-network hospital.


Free Look Period

We help you in reviewing your decision about purchasing the policy. If you find it unsuitable for your needs then the policy gives you a free-look period of 15 days from the date of receipt.

Man Illustration

Look for best health plan that suits your need!

Product Image
Super Top up Health Plan

Boost Your Existing Health Cover With Super Top Up Plan

  • Financial Cushion for Medical Emergencies
  • Support for Critical Diseases
Product Image
Family Health Insurance

Health Insurance that Covers your Loved Ones

  • Annual Health Checkup & Save Tax 
  • Modern Treatments Coverage
Product Image
1 Crore Health Plan

Health Insurance with Higher Sum Insured

  • Upto 50% No Claim Bonus
  • Individual or Floater Option

Benefits of Best Super Top Up Health Insurance Plans in India

benefits of super top up health insurance benefits of super top up health insurance

What is Covered Under Super Top Up Health Insurance Plan?

Policyholders can prevent a possible hassle when filing a claim by knowing about the things covered under super top up medical insurance plan. Let's check below what all is covered:

  • Hospitalisation coverage including room charges, nursing expenses, ICU charges, surgeon's fee, doctor's fee, anaesthesia, blood, oxygen, and operation theatre charges, etc.
  • Adequate protection and coverage for advanced medical treatment procedures like robotic surgeries.
  • Coverage for medical expenses incurred 30 days before hospitalization.
  • Coverage for medical expenses incurred up to 60 days after hospitalization.
  • Coverage for organ donor while undergoing organ transplant surgery.
  • Annual health checkup for you and your family.

What is Not Covered Under Super Top Up Health Insurance Plan?

Knowing the exclusion and non-coverage details of the policy can help the policyholders to avoid claim rejection. Below are the exclusions of super top up health insurance plans:

  • Treatment arising from pregnancy and childbirth, miscarriage, abortion, and its consequences is excluded.
  • No coverage for expenses attributable to self-inflicted injury resulting from attempted suicide or suicide.
  • No coverage for treatment expenses relating to infertility and in vitro fertilization.
  • The policy will not cover medical expenses incurred for cosmetic or plastic surgeries.
  • No coverage for costs incurred due to vision correction surgeries.

Super Top up Policy Eligibility Criteria

The eligibility criteria for availing of our Enhance Super Top up are as follows:

  • Minimum Entry Age in Individual Cover: The age eligibility for adults is 18 years or above, and for children, the age eligibility is from 5 years to 24 years.
  • Minimum Entry Age in Family Floater Cover: Under the floater plan, the age eligibility for adults is 18 years or above. The age eligibility for children is from 1 day to 24 years, with at least one insured member of 18 years or above.
  • Maximum Entry Age: This policy has no maximum limit on entry age.
  • Age of the Proposer: Minimum 18 years or above.

How to File a Claim under Super Top Up Plan?

We have a simplified claim procedure for a super top-up plan to help you stay worry-free. You can file a claim under two categories as mentioned below:

Reimbursement Claim

  • Pay the hospital bills initially and duly fill out the reimbursement claim form.
  • Submit the form along with all the required documents to us.
  • Our claim management team may raise the query if required.
  • Once document verification by the claim management team is done, an approval letter will be sent.
  • After approval, we will reimburse the hospitalization expenses, subject to policy T&C.

Cashless Claim

  • Select any of our network hospitals and approach the hospital insurance desk.
  • Submit the pre-authorization form, and share the required identity proofs.
  • The hospital will send us the documents and the pre-authorization form.
  • Our claim management team may raise the query if needed.
  • After document verification, the hospital will receive an approval letter from our claim management team for cashless treatment.

Factors to Consider While Buying Super Top Up Mediclaim Policy

Super top up medical insurance serves you as a financial backup if your existing health coverage proves insufficient to meet your immediate medical expenses. To help you pick the best top up health insurance plans in India, here are quick pointers you can consider:


Sum Insured

Considering the rate of medical inflation and the need to secure health, health insurance super top up plans with a higher sum insured becomes the right choice.



A super top up plan with a high deductible has a more affordable premium cost. So, it is vital to choose the deductible wisely to bear the medical expenses along with your base health insurance plan.



Reviewing the super top up plans and their various benefits, and selecting the right deductible option, will help you opt for a policy with an affordable premium.



Go through the policy documents once to understand the inclusions and choose a plan that suits your needs.



Check the co-payment clause, and select a policy where you or your elderly parent will not have to bear a high amount.


Cashless Hospitalization

The best super top up mediclaim policy offers a cashless hospitalization facility. Do check the network hospitals where you can easily avail of cashless medical treatment.


Waiting Period

The waiting period for pre-existing ailments can differ from the base plan. If you don’t want to be taken by surprise, know the exact waiting period.


Claim Settlement Ratio

Choosing a super top up plan from an insurer with the highest claim settlement ratio helps in getting claims settled on time.

How Do Health Insurance Top Up Plans Work?

Enhance - Our Super Top Up Plan is based on the principle of Policy Deductible. You will need to bear a pre-defined amount from your pocket during a medical event. We will bear the rest, up to the sum insured, subject to policy T&C.

Here's an example: Suppose

If you opt for a ₹ 6 lac sum insured with a deductible of ₹ 2 lacs, then 2lacs will be borne by you and ₹ 6 lac over and above the deductible will be borne by us during the policy period.

Why Should You Get a Mediclaim Top Up Plan?

The below reasons somehow justify the worth of buying a super top up plan:

  • Rising Healthcare Costs: The soaring healthcare costs hint at a rise in overall medical expenses we might incur in a year, where a regular health cover may appear insufficient. Investment in the best super top-up health insurance plans in India will provide a shield to keep your savings intact in medical emergencies.
  • Helps Boost Your Health Cover: Going for a super top-up plan is an affordable way to boost your existing health coverage. It is the best solution to get an increased sum insured for your medical expenses without spending on a high premium.
  • Financial Cushion for Medical Emergencies: Not every family in our country thinks one's savings are enough to bear medical treatment costs. Often, the mediclaim provided by an employer or personal health cover proves inadequate, given the towering scale of expenses. In such a scenario, the additional health coverage by super top-up health insurance comes to the rescue.
  • Suitable Option for Ageing Parents: As a person ages, health issues lead to frequent hospitalisation. Hence, chances of your existing health cover being insufficient is quite higher. Here comes the super top-up plan into the picture, giving you financial strength when managing treatment for your old parents.
  • Crucial Support for Critical Diseases: Sometimes, expensive medical treatments can bring financial hardships. It is especially valid when there is a critical illness to deal with and the expenses are too high to afford. So, getting a health insurance super top-up plan early in life helps in the long run, considering surgeries and treatments would become expensive owing to medical inflation.
  • Offers Tax Benefits: Here is an opportunity to secure your savings as you become eligible for an income tax deduction on the premium paid for this policy, as per Section 80D of the Income Tax Act. Depending upon the insured member's age, you can claim a deduction from Rs 25,000 to a maximum of Rs 50,000 in a year.

How to Buy Super Top Up Health Insurance Plans Online?

buy super top up health insurance online buy super top up health insurance online

You can opt for our super top-up plan online in a few simple steps:

  • Go to the official website of Care Health Insurance and select the pan ‘Enhance’.
  • Enter the required details, including the contact number.
  • Generate the health insurance quote.
  • You can customize your policy by selecting the policy tenure, the sum insured, and add-ons.
  • Fill in the relevant details, such as your age, pre-existing diseases, etc.
  • Submit the documents if required.
  • You can choose convenient payment modes using any secured payment mode like net banking, debit or credit card, payment wallet, and pay health premium online. You are now secured!

You will receive a health insurance policy document on your registered email id. The policy documents will include policy numbers and health e-cards.

Voice Of Customer

Jitendra December 01, 2023

Super top up plan

Best plan if your sum insured finish and you want more sum insured without paying so much. must buy.
Arindam Garai December 01, 2023

Helpful plan

Moni is one of the best resources of care health, his support and advice was very helpful to me to take enhance plan that worked the wonders for me. Best wishes to her.
Krishna Reddy Chini December 01, 2023

Best experience with care health insurance

I have taken enhance in 2019, claim also settled in 2020 with 97 of claim amount. so much thank full to care Health insurance. System opeator also givdn good support to us in claim time.
Sridhar December 01, 2023

Good service

In Care products are good for family members with suitable topup plan. They explain details clearly how to submit the claims documents in Care app and about policy terms and conditions. Good service by operations.
Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.


Awarded as Best
Health Insurance Company of the year^


48 LAKH+ Claims Settled*



^India Insurance Summit & Awards 2023

FAQs on Super Top up Health Insurance

Q. What do you mean by deductible in super top-up health insurance?

A deductible is an amount you need to pay for health care services before your health insurer begins to pay. Under super top-up insurance, you need to pay your deductible amount only once and can then claim multiple times in a year.

Q. When does the Super Top-up Policy activate?

A super top-up insurance policy will start providing coverage for medical expenses only when the amount of claims cross the deductible chosen in the plan. If the claim amount is below the deductible, the insured has to bear the expenses.

Q.Is there any co-payment applied to this policy?

There is a co-payment of 20% in the super top-up policy. It is applicable if the entry age of the policyholder in an individual policy (or the eldest insured member in a family floater policy) is 61 years or above. The policyholder has to bear 20% of the claim amount, and we will pay the remaining claim amount, subject to policy T&C.

Q.Will my pre-existing diseases be covered in Enhance?

Our super top-up policy will provide you coverage for any pre-existing disease (PED) after a 48-month waiting period from the date of policy inception.

Q.Is there any waiting period?

Yes, a super top-up plan has three types of waiting period:

  • An initial waiting period of 30 days, from policy start, for any illness except accidents.
  • Waiting period for pre-existing illnesses, of 48 months of continuous coverage.
  • Specific waiting period for named ailments, of 24 months of continuous coverage.

Q.Are any special discounts available under the policy?

Yes. You get a family discount if you include two or more family members under a single health plan; you can also avail long term policy discount on buying health insurance for more than 2-3 years.

Q.Do I need to undergo a medical check-up while buying a health insurance policy?

Yes, you are required to undergo a pre-policy medical check-up. We would bear the cost of the medical tests if you opt for a 2-year or 3-year tenure and your proposal is accepted. We shall bear 50% of the cost of medical tests if you opt for a 1-year tenure and your proposal is accepted. The result of these test should be valid for 3 months from the date of the tests.

Q.What are the factors that will affect my super top-up health insurance premium?

The factors affecting the cost of your super top-up health insurance premium entail age, deductible, pre-existing disease, and sum insured.

Q.How will super top-up health insurance benefit my parents?

Ageing brings along the growing risks of illnesses and even injuries, thus necessitating hospital visits. Further, the risks of critical diseases also increase in old age. The incurred healthcare expenses will be subsequently higher as one grows old. It is wise to invest in the best super top-up health insurance plans in India that will give your finances a much-required cushion if you exhaust the sum insured of your current health cover. It will cover the costs of advanced medical treatment for your parents and help them access the cashless facility without any delays.

Q.How does super top-up health insurance boost my sum insured?

One of the best ways to boost your health coverage is to go for super top-up health insurance plans. The foremost reason is they provide an additional sum insured if you may have to incur huge medical expenses in a year. Let us assume you have a base cover of Rs. 5 lakh, and you have chosen Enhance super top-up insurance plan with a sum insured up to Rs. 10 lakh. On the whole, you now have total coverage of Rs 15 lakh. It will help you avail any expensive medical treatment and be free from any financial stress.

Q.Will my Super top up health insurance cover coronavirus?

Yes. The super top-up insurance will provide comprehensive protection for your family by offering coverage for various medical expenses related to coronavirus treatment, subject to the policy terms and conditions.

Q. Can I get a super top up feature for my maternity insurance plan?

No, at this moment, we do not offer a super top up feature for our maternity insurance plans.

Disclaimer: The Information above is just for reference. Kindly read T & C of the policy thoroughly, Do refer to IRDAI guidelines for tax exemption conditions.

~Tax benefit is subject to changes in tax laws. Standard T&C Apply

**Number of Claims Settled as of 31st March 2024

^10% discount is applicable for a 3-year policy

^^Number of Cashless Healthcare Providers as of 31st March 2024

View All

Secure Your Finances Now!

Get the best financial security with Care Health Insurance!

+91 nb-check.svg

Get Expert Advice


Chat with Us