Top Up vs Super Top Up Health Insurance

These policy act like extension to your existing policy

Top-ups at a reasonable cost. Super Top-ups allow you to increase the sum insured by acting as extensions to your primary health insurance policy.

Both of these plans include a deductible-  plans become active and begin paying as soon as the costs of your hospitalization surpass this deductible.

Top-Up- It starts to pay when a single claim exceeds the deductible. Super Top-Up – Start Paying When the Total Amount of Claims in a Year Exceeds the Deductible

What is difference?

Top-Up: Comparably less expensive than a super top-up package. Super Top-Up: Premiums are often more expensive.

Premium

Top-Up: Higher Expenses each and every hospitalization is factored into the deductible Super Top-Up: Less Expenses. Due to adding up all of the claims for a single year

Out of Pocket Expenses

You must always opt for Super Top-Up plan, as it covers all the risks covered under a Top-Up plan & more.

Which one is best

It starts working once your deductible, which is part of your base plan cover amount, has been met for the policy year.

What is super Top-Up

Super Top up is essentially an addition to your current base health insurance plan that you add to increase its coverage.

Why

Mr. Suresh has Combo Plan. Base Plan + Super Top Up

Example Super Top Plan

Base plan of Rs 5 lakh Super Top- up plan 10 lakhs

Heart surgery in Jan 2022, costing Rs 5 lakhs. This will cover by his base plan

First hospitalization

Lets assume Suresh undergoes 2 hospitalization in 2022

Keen surgery in Mar. 2022. Cost is 3 lakhs. Claim process under Super Top-Up Plan.

Second Hospitalization

Top-Up Health Insurance plans help you meet healthcare expenses over & above coverage of your current health Insurance Policy