Term
Top-up & Super Top-up
Top-up and super top-up plans add extra cover on top of your base policy, but only pay after your bills cross a set amount called the deductible.
What it means
You choose a deductible — say ₹5 lakh. The top-up pays only above that. A plain top-up applies the deductible to each single claim; a super top-up applies it to your total bills for the whole year, which is usually better value. They are cheap because they only start after the threshold.
Why it matters
- A super top-up is a low-cost way to raise total cover to ₹20 to 50 lakh.
- The deductible can be met by your base policy, so you may never pay it yourself.
- Plain top-ups reset the deductible per claim, so a super top-up protects you better across multiple hospital stays.
Practical tips
- Prefer super top-up over plain top-up for multiple-claim protection.
- Match the deductible to your base sum insured so there is no gap in between.
- Check that the top-up covers the same things as your base plan.