Save tax up to ₹75,000~ u/s 80D
Save tax up to ₹75,000~ u/s 80D
With medical costs rising rapidly, relying solely on basic health insurance may not be sufficient. Choosing the right Top-up or Super Top-up plan can significantly impact how much you pay out of pocket when multiple medical bills occur, making this decision urgent and crucial.
Reasons to Choose Care Health Insurance?
Unlimited Automatic Recharge
Unlimited Care*
.svg)
Ayush Treatment
Cumulative Bonus
Top-up health insurance provides additional coverage that pays out only if a single medical bill exceeds the selected deductible. The deductible must be paid for each claim. In contrast, a Super Top-up is an extension of the Top-up concept in which the deductible is applied only once per policy year.
Top-up and Super Top-up plans serve as affordable boosters that provide extra coverage once you have paid a fixed deductible. Under a top-up policy, the deductible is paid for each claim separately. In a super top policy, the deductible must be paid on an aggregate basis for the entire policy year.
| Particulars | Amount (Under Top-up Policy) | Amount (Under Super Top-up Policy) |
|---|---|---|
| Deductible | 5 Lakh | 5 Lakh |
| Policy Coverage | 45 Lakh | 45 Lakh |
| Claim 1 | 15 Lakh | 15 Lakh |
| Amount Payable from Top-Up in Claim 1 | 15 Lakh - 5 Lakh = 10 Lakh after deducting the 5 Lakh deductible. | 15 Lakh - 5 Lakh = 10 Lakh after deducting the 5 Lakh deductible. |
| Claim 2 | 20 Lakh | 20 Lakh |
| Amount Payable from Top-Up in Claim 1 | 20 Lakh - 5 Lakh = 15 Lakh after deducting the 5 Lakh deductible. | The 20 Lakh Deductible of 5 Lakh has been exhausted in the claim. |
Top-up and Super Top-up plans may appear similar, but they differ significantly in how claims are assessed and when coverage begins.
| Feature | Top-up Plan | Super Top-up |
|---|---|---|
| Deductible Basis | Per claim deductible | Annual aggregate deductible |
| Trigger Point | Generally covers only claims that exceed the deductible. | Provides coverage for multiple claims after the deductible is crossed. |
| Best Suited For | Ideal for young, healthy individuals looking to cover unexpected major medical expenses. | Ideal for families, senior citizens or individuals managing chronic or long-term conditions. |
| Chronic Illness | May fall short for repeated smaller bills. | Advantageous as it accounts for all related or unrelated claims. |
| Multiple Claims | The deductible applies individually to each claim. | The deductible is applied once annually; later claims are covered. |
| Out-of-Pocket Expense | May lead to higher out-of-pocket costs when claims stay below the threshold | Reduces expenses once the deductible is exhausted. |
Top-up and super top-up health insurance plans are smart choices that offer maximum protection at minimal cost, helping you maintain financial readiness for medical emergencies.
22100+
Cashless Healthcare Provider^^
63 Lakh+
Insurance Claim Settled**
96.95%
Claim Settlement Ratio
15 Crore+
Lives Covered Since Inception
24 X 7
Claim Support
Choosing between a Top-up and Super Top-up health insurance plan depends on your medical needs and coverage expectations. Both plans enhance your existing individual insurance plan affordably but differ in how extended coverage is activated.
Top-up health insurance is ideal for individuals who:
Super top-up health insurance suits individuals who:
Selecting the right top-up or super top-up health insurance plan requires clarity on key policy aspects such as the deductible amount, the extent of coverage, and relevant terms and conditions.
Secure greater financial protection once your deductible has been exhausted. This coverage provides additional protection beyond your existing health insurance plan.
Based on the policy terms and conditions, the plan does not cover the following exclusions.
Buying a top-up and super top-up plan is straightforward and hassle-free. Just follow the steps below to purchase it online.
Did you know Care Health Insurance offers a Super Top-up plan- Care Supreme Enhance- that lets you claim a high coverage amount with no limits once the deductible is crossed?Know more, talk to our insurance expert today!
You can file a claim under a top-up or super top-up health insurance plan once the deductible is exhausted, either through the cashless facility at a network hospital or via reimbursement. The insurer settles eligible expenses in accordance with the policy terms after claim verification.
| Cashless Treatment | Reimbursement Treatment |
|---|---|
| Step 1: Get admitted to a network hospital and inform the insurer. Step 2: Submit the pre-authorisation request after medical expenses reach the deductible limit. Step 3: Upon approval, the insurer settles eligible expenses directly with the hospital. Step 4: The policyholder pays only non-covered or ineligible costs. |
Step 1: Undergo treatment at any hospital and pay the bills initially. Step 2: Submit all required documents after the deductible is exhausted. Step 3: The insurer verifies the claim and reimburses eligible expenses in accordance with the policy terms. |
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 top-up or super top-up plan offers extra health coverage after a set deductible is exhausted, boosting your existing insurance at a lower cost.
It extends your existing health plan by covering additional medical expenses once the deductible is met.
For those seeking greater health insurance coverage at a reasonable price, a top-up or super top-up plan is a worthy option to consider alongside existing policies.
A top-up covers expenses after one substantial bill crosses the deductible, whereas a super top-up provides coverage for multiple claims once the deductible is crossed.
A deductible is the amount you pay before the top-up or super top-up coverage begins, and it should be selected in line with your existing health cover and affordability
Once medical expenses exceed the deductible amount specified in the policy terms, coverage will commence.
Yes, you can buy a top-up or super top-up plan from an insurer other than your base health insurance provider.
Both top-up and super top-up plans provide coverage for qualifying hospitalisation and associated medical costs, but only after the deductible limit, specified in the policy terms, has been fully utilised.
ICU charges and critical care treatments are covered and are not subject to any specific limits, other than the overall Sum Insured (SI).
Yes, pre- and post-hospitalisation expenses are covered up to SI, as per policy terms.
Expenses such as cosmetic procedures, routine dental care, and substance abuse-related treatments, as well as other expenses that are not medically necessary or are excluded under the policy terms.
Get the best financial security with Care Health Insurance!
Sales:1800-102-4499
Services:
8860402452
Live Chat
Supreme Enhance: UIN - CHIHLIP25036V012425
Disclaimer: The information above is just for reference. Please read the T&C of the policy thoroughly.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
^^Number of Cashless Healthcare Providers till Feb 2025
**Number of Claims Settled as of Dec'24
^10% discount is applicable for a 3-year policy
** indicates optional.
Terms & Conditions of Premium Quote Generation
"Care Health Insurance Ltd & associate partners may contact you to assist you with website navigation of www.careinsurance.com and assist in proposal filling."
