Difference between Top Up and Super Top Up Plan in HEALTH INSURANCE
                     Difference between 
Top Up and Super Top 
Up
Plan in
HEALTH INSURANCE
A  top-up  plan  is  a  regular  health  insurance  
policy  that covers hospitalization costs but only 
after a threshold limit (i.e.  deductible),  is  crossed.  
It  gives  additional  coverage, beyond the threshold 
limit of the existing health insurance policy in a 
single bill. The threshold limit can be met by a 
health insurance Policy or by self-funding also. 
However, it is not  mandatory  to  have  a  base  
policy  to  buy  a  Top-Up Mediclaim Policy. The policy 
can be issued on Individual or Floater basis.
What is 
deductible?
•Deductible means the amount stated in the schedule which 
shall be borne by the insured in respect of each and every 
hospitalization claim incurred in the policy period.
•The company’s liability to make any payment for each 
and every claim under the policy is in excess of the 
deductible.
How is the deductible applied at the time of claim under 
Top Up Policy ?
• Deductible would be applied afresh for each claim.
•Each and every hospitalization would be considered as a 
separate claim.
•The limit of indemnity /Sum Insured is the maximum 
liability above the deductible.
Example – Basic health insurance policy of Rs. 5 
lacs and Top-up plan of Rs. 10 lacs, with a 
threshold of Rs. 5 lacs.
Super Top-up Policy :
A super top-up plan covers the total of all hospitalisation bills 
(up to the super  top-up  plan  limit)  above  the  deductible  
amount,  that  is,  the deductible is applied to the total 
claims in a year. Hence, once the deductible  is  paid,  the  
plan  becomes  active  for  subsequent  claims. Similar to top-
up plans, except that top-up plan covers a single claim above 
the threshold limit, while the super top-up plan covers the total 
of all hospitalization bills above the threshold limit.
Example – Basic health insurance policy of Rs. 5 lacs 
and Super Top-up plan of Rs. 10 lacs, with a threshold 
of Rs. 5 lacs.
Q: Can one only buy a Super Top Up Policy?
A: Yes keeping in mind about the threshold(deductible) limit of 
the base policy or no policy allows you to buy only a Super Top 
Up Policy
Q: Which points are to be kept in mind while buying a 
Super Top Up Policy?
A: Features like – Financial limits and sub limits, Two Policies 
would mean two claims, waiting period, cashless network, 
buying both policy – base and super top up in the same month 
or preferably on the same date.
Q: Would waiting period on Pre existing disease be applied 
to a new Super Top Up Policy?
A: Yes there would be waiting period applicable as per policy 
terms and conditions.
Q: How much deductible one should avail from a Top-up or 
a Super Top Up policy?
A: Under Top-Up Plans minimum deductibles available from 
Rs.30000 to Rs.10  lacs  whereas  under  Super  Top-up  Plans  
minimum  deductible available  is  from  Rs.1  lac  to  Rs.  40  
lacs.  While  you  opt  for  lesser deductible it would be a little 
expensive than the higher deductible.
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