Save tax up to ₹75,000~ u/s 80D
Save tax up to ₹75,000~ u/s 80D
If your current health insurance coverage is insufficient to cover your medical expenses, here is the super top-up health plan that can supplement your health coverage. Now you can enhance your health coverage by opting for a higher sum insured and more policy benefits.
Reasons to Choose Care Health Insurance?
Daycare Treatment
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Cumulative Bonus
Unlimited Automatic Recharge
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Unlimited E-consultation
A Super Top-Up Health Insurance Plan is a helpful add-on that boosts your coverage after you’ve reached your deductible limit, giving you extra peace of mind and financial protection when you need it most.
Your Super Top-Up policy kicks in just when your total medical expenses go beyond the deductible you selected when buying the policy.
For Example:
| Particulars | Amount in Rs |
|---|---|
| Deductibles | 5 lakh |
| Policy Coverage | 45 lakh |
| Claim 1 | 15 lakh |
| Amount Payable From Top-up In Claim 1 | 10 lakh; After deducting 5 lakh deductible |
| Claim 2 | 20 lakh |
| Amount Payable From Top-up In Claim 2 | 20 lakh; Deductible of 5L has been exhausted in claim 1 |
Enhanced Coverage at an Affordable Premium
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| Key Features | Product Details |
|---|---|
| Deductible & Sum Insured Options |
|
| In Patient Care | Up to Sum Insured |
| Pre Hospitalisation | 60 days before hospitalisation; Up to SI |
| Post Hospitalisation | 90 days after discharge from the hospital; Up to SI |
| Day Care Treatment | All Day Care Procedures; Up to SI |
| Cumulative Bonus | 10% of SI per year, max up to 100% of SI; irrespective of claims made. |
| Advanced Technology Methods | Up to SI |
| Domiciliary Hospitalisation | Up to SI |
| AYUSH Treatment | Up to SI |
| Room Rent Category | All Category Room |
| ICU Charges | No Sub-limit |
| Organ Donor Cover | Up to SI |
| Unlimited Care | One BIG claim during the policy's lifetime is payable without any coverage limits. |
| Unlimited Automatic Recharge | Unlimited times in a Policy Year for unrelated or the same illness |
| Air Ambulance | Up to SI per year |
One Policy for the Entire Family
Protect your loved ones with a single super top-up plan, available as an individual or family floater. It offers a straightforward and convenient way to increase coverage for the entire household without managing multiple policies.
Save More with Multi-Year Discounts
Select a 2-year or 3-year policy to benefit from long-term savings through multi-year discounts. Make a single payment and enjoy extended coverage while reducing your total premium costs.
Cashless Hospitalisation at Network Hospitals
Enjoy cashless treatment across our extensive network of hospitals. Your qualifying medical expenses are paid directly to the hospital (as per policy terms), allowing you to focus on recovery rather than worrying about bills.
Hassle-Free Claim Experience
Present the Care Health Card at any of our 11600+ network hospitals for cashless treatment, or opt for reimbursement at non-network hospitals by informing us and submitting the necessary documents. The process is simple and fast.
Free Look Period
Care Health Insurance offers a 15-day free look period starting from the date you receive the policy document, during which you can review the terms and cancel if it doesn’t meet your needs (according to applicable guidelines).
A Super Top-Up plan is perfect for those who worry that their existing health cover might not be enough in a major medical emergency. Certain individuals who should consider buying a super top-up policy:
Policyholders can avoid potential hassle when filing a claim by knowing what is covered under the super top-uptop up medical insurance plan. Let's check below what all is covered:
Knowing the policy's exclusions and non-coverage details can help policyholders avoid claim rejections Below are the exclusions of super top-uptop up health insurance plans:
Note: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.
The eligibility criteria for availing of our Enhance Super Top up are as follows:
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:
| Cashless Claim Process | Reimbursement Claim Process |
|---|---|
| Step 1: Select any of our network hospitals and approach the hospital insurance desk. Step 2: Submit the pre-authorisation form and share the required identity proofs. Step 3: The hospital will send us the documents and the pre-authorisation form. Step 4: Our claim management team may raise a query if needed. Step 5: After document verification, the hospital will receive an approval letter from our claim management team for cashless treatment. |
Step 1: Pay the hospital bills initially and duly fill out the reimbursement claim form. Step 2: Submit the form along with all the required documents to us. Step 3: Our claim management team may raise a query if required. Step 4: Once the claim management team completes document verification, an approval letter will be sent. Step 5: After approval, we will reimburse the hospitalisation expenses, subject to policy T&C. |
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:
The following reasons somehow justify the worth of buying a super top-up plan:
You can opt for our super top-up plan online in a few simple steps:
Look for hospitals around you
My appreciation for your prompt service
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
Vaibhav Rai
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 pay your deductible only once and can then claim multiple times in a year.
A super top-up insurance policy will start providing coverage for medical expenses only when the amount of claims exceeds the deductible chosen in the plan. If the claim amount is below the deductible, the insured has to bear the expenses.
Care Super Top-up policy provides coverage for any pre-existing disease (PED) after a 36-month waiting period from the date of policy inception.
Yes, a super top-up plan has three waiting periods: 30 days from policy start for most illnesses, 24 months for named ailments and 36 months for pre-existing conditions.
Not every policy requires a pre-medical checkup; it depends on the policy's terms and conditions.
The factors that affect the cost of your super top-up health insurance premium include age, deductible, pre-existing conditions, and sum insured.
A super top-up health insurance plan activates after medical expenses exceed the deductible within a policy year. For example, with a deductible of Rs 2 lakh and a sum insured of Rs 10 lakh, it covers expenses above Rs 2 lakh.
No, at this moment, we do not offer a super top-up feature for our maternity insurance plans.
Yes, super top-up health insurance plans provide coverage for AYUSH treatment, or traditional Indian systems of medicine: Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homoeopathy.
Yes, you can select a higher deductible of up to Rs 15 lakh, depending on the policy you've purchased.
Get the best financial security with Care Health Insurance!
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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 Dec 2025
*The premium is calculated for an insured individual (18) who opts for a sum insured of 3 lakh in a zone 3 city.
^10% discount is applicable for a 3-year policy
^^Number of Cashless Healthcare Providers as of Dec 2025
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