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Top Up Vs Super Top Up

Super Top up vs Top up Health Insurance

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Good health is a blessing. Looking at the increasing lifestyle diseases, age-related ailments, and the current pandemic situation, it becomes crucial to safeguard our health and finances with the right health insurance. Given the pace at which medical treatment costs are rising steadily, having a high coverage amount is vital for meeting one’s major medical expenses. Though going for another regular health policy may lead to more premium costs. Here is where an add-on policy cover like a super top-up plan comes into the picture. These health plans start covering your expenses once your base policy is exhausted. They help boost your medical coverage most affordably. So, you do not have to cover your healthcare expenses from your pocket. 

What is Top-up in Health Insurance? 

A top-up insurance policy provides you with extra coverage above a predetermined "threshold limit". It means that if you exhaust the coverage of your base insurance policy, then the coverage of the top-up policy begins. One can best understand this concept with the help of an example. Let us assume that you have a top-up plan with a coverage of Rs. 10 lakhs sum insured. Let the threshold limit of the plan be Rs. 5 lakhs. That means that the top-up policy will provide a coverage of Rs. 5 lakhs only after you have exceeded your base insurance policy coverage of Rs. 5 lakhs. If you have a claim amount that is Rs. 7 lakhs, then you will be paid only Rs. 2 lakhs (7 - 5) from the top-up policy, and not the total Rs. 7 lakhs. It is the primary difference between normal health insurance and a top-up health insurance plan.

What is Super Top-up Health Insurance?

A super top up health insurance plan considers the entire amount of all the bills you have in a whole year, not just every individual case. Thus, even if you had two separate medical bills of Rs. 3.5 lakhs each, with your total coming to Rs. 7 lakhs, you will get the coverage of Rs. 2 lakhs (the amount that crossed the Rs. 5 lakh threshold) paid to you. You can use your base health policy to cover the remaining Rs 5 lakh; otherwise, you have to pay the amount from your pocket. Thus, we can say that a super top-up policy provides an additional safety cover for your finances to help you tackle any medical emergency. 

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Super Top up Health Plan

Boost Your Existing Health Cover With Super Top Up Plan

  • Financial Cushion for Medical Emergencies
  • Support for Critical Diseases
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Individual Health Insurance

A Safety Net that Protects You Against Medical Emergencies

  • Plan starting from 25 lakhs and going up to 6 Crores
  • An add-on offering unlimited e-consultations
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Health Insurance for Senior Citizens

Your Parents have always care for you, Now its your TURN

  • No Pre-policy medical check-up
  • Annual Health check-up for all insured persons

Difference between Top-up and Super Top-up Health Insurance Plans

Super top-up health insurance plans are very similar to top-up health insurance . Both are valuable in keeping the total premium at a low cost while having high coverage at the same time. Top-up policies will reimburse you only if the claim amount (the amount for a single hospitalization) has crossed the threshold. If we consider the previous example, top-up medical insurance helps you only when your bill amount goes over Rs. 5 lakhs every time. So, in the Rs. 7 lakh bill amount case, you were eligible for coverage up to Rs. 2 lakhs. However, if you had two separate bills, each of Rs. 3.5 lakhs, then a regular top-up policy would not help because none of the bills has crossed the base-threshold amount of Rs. 5 lakhs individually. Here is where a super-top up plan would be beneficial as it will cover multiple claims made in a policy year.

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Health Insurance is a shield that protects you and your loved ones in cases of medical emergencies.

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A affordable health insurance plan makes sure that financial crisis is not an issue during a medical emergency.

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With the skyrocketing cost of healthcare in the country, opting for a good health Insurance Plan is a smart decision for the safety of the individual and family as a whole.

How Care Health Insurance Plans Can Help You?


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38 Lakh+

Insurance Claim Settled**


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Industry best claim settlement ratio*


Cashless Claim Processing (Approx.)

What is a Deductible in Super Top-up?

Health insurance companies, like Care Health Insurance, set a limit on the claim. This limit is called a deductible. It represents the portion of the claim that the insurance company does not cover. The insured individual has to cover this himself before the policy covers the remaining amount. The insured must pay the medical expenses up to the deductible, and the insurer will bear the excess. So, the deductible acts like a safety valve for the insurance company. It safeguards them from trivial and frequent claims. To understand this better, let's use an example.

Let us assume you have a base insurance plan with a coverage of Rs. 2 lakhs, and you purchase a super top-up that provides Rs. 3 lakhs on top of the base amount. It means you now have a Rs. 5 lakh plan with a deductible of Rs. 2 lakhs. This amount of the deductible varies with each plan. Thus, it is advisable to read the policy documents carefully to understand the terms and conditions, thereby avoiding any confusion when filing claims. 

Things to Remember

  • Base health policy: You can opt for a top-up or a super top-up policy even if you do not have a base health policy. However, it is highly advisable to have a regular health insurance policy, given the rising medical inflation.  
  • Premium: The premium amount depends on various factors, including the deductible. Usually, a higher deductible implies a lower premium for the insured person. So, decide after you have assessed your needs. 
  • Deductible: Every top-up or a super top-up health policy comes with a deductible. It is better to opt for the deductible carefully so that you can easily manage your medical expenses without any impact on your savings.

How to Choose Between Super Top-up and Top-up?

People often get confused when selecting between top-up and super top-up plan. Each plan has its benefits. A normal top-up plan is less expensive in the short term, but it usually has a smaller coverage in terms of the types of illnesses. It can become more expensive in the long run since it covers only a single claim, unlike super top-up policies. It is, therefore, better to go for this plan if you do not suffer from any chronic illness or do not run the risk of getting a terminal disease.

A super top-up plan, on the other hand, is quite economical in the long run. It also provides coverage for a broad spectrum of illnesses. It is ideal for senior citizens, who tend to face an increased risk of hospitalization and incur medical expenses very frequently. The cumulative coverage can be very beneficial here. It is also advantageous if you think you have higher chances of hospitalization more than once in a year. It is then necessary to consider your medical needs, budget, premium cost, and medical history before choosing any health insurance plan to make a well-thought-out decision.

Enhance a Super Top Up plan by Care Health Insurance works on the simple principle of policy deductible, which is the predefined amount that you will bear, through your finances or any other health insurance, during a medical event. We will settle the amount over and above policy deductible. Suppose you opt for a policy of Rs. 6 lakh sum insured with a deductible of Rs. 2 lakh. Then, the 2 lakh will be borne by you and 6 lakh over and above the deductible of 2 lakh will be borne by us during the policy period.

Voice Of Customer

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.


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48 LAKH+ Claims Settled*



^India Insurance Summit & Awards 2023

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 31st March 2024

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

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

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