4 min read

What’s So ‘Super’ About Super Top-Ups?

If you have tuned into the internet lately in an attempt to know more about insurance, there’s a high chance that you have come across the term ‘Super Top-up’. Neither is this a sci-fi reference nor a ripoff from Stanley’s comics.

What is super top-up?

Super top-up is an additional insurance cover that exists on the side with a traditional insurance cover. So, if you already have health insurance, the super top-up will help you increase the overall insurance amount up to ₹1 crore. 

In the theatre of insurance, super top-up is the new boy in town walking across all guns blazing. According to Google Trends, the interest in super top-up related queries has shot up by 250% in the past 90 days. From the best super top-up health insurance plan in India to weighing out the pros and cons, this unique insurance offering has created a lot of buzz and rightly so!

While the mobile penetration in India has crossed 60%, insurance is still at the starting point in the race with 3.2% health insurance penetration. The lower penetration rate is further plagued by inflation. According to a report by Mercer Marsh Benefits (MMB), employer-sponsored medical benefits programs in India are set to rise by 15% in 2022.

On one hand, the pandemic has increased the demand for health insurance (Insurance companies have received more than 2.18 lakhs of covid claims so far). On the other hand, medical inflation has forced people to look for options to extend coverage even if it means paying an extra premium. 

Are there different kinds of Super Top-ups?

Super top-up is not the ONLY option. There are floater plans, top-ups in general and the perennial option to opt for a policy with a higher sum insured. But super top-ups win the race because of one major reason i.e. affordability. 

Buying super top-up health insurance in India can cost you as less as ₹529 for coverage of ₹20 lakhs. 

Not everything good is costly. Buying a super top-up increases your sum insured multifold, offers extensive coverage (based on the insurer), and costs very little. Individuals between the ages of 18 and 65 can buy super top-up health insurance in India. Although, some insurers do not have an age cap at all.

What’s so ‘super’ about super top-ups?

Ideally, a super top-up plan must not function without a base policy. To understand this better, you must know how a super top-up actually works. Let us take an example. 

Let’s say Rohit has a base policy of ₹5 lakhs and he bought a super top-up worth ₹15 lakhs in March 2022. Rohit’s effective insurance cover is now (5+15) ₹20 lakhs until the next renewal cycle. 

How do super top-ups work?

The tenure of the policy is one year. Consider a base policy of ₹5 lakhs and a super top-up of ₹15 lakhs.

Case 1: An IT professional is admitted to a hospital for an injury for three days. The total bill amounts to ₹2 lakhs. This will be covered by their base policy of ₹5 lakhs. 

So, now they would have ₹3 lakhs remaining in the base policy while the super top-up stays intact.

Case 2: The said person is hospitalised again. This time for 10 days and the total bill amounts to ₹9 lakhs. In this case, ₹3 lakhs will be covered by my base policy and the remaining amount of ₹6 lakhs will be covered by the super top-up. 

Remaining amount:
Base policy - nil

Super top-up - ₹9 lakhs. 

Case 3: Unfortunately, the person had to undergo hospitalisation yet again. This time for a week and the total bill amount went up to ₹3 lakhs. In this case, the super top-up will cover the entire amount. 

While all this sounds too good to be true there is a catch – Deductible! 

What is a deductible in super top-ups?

A deductible is an amount you will have to pay before the super top-up can be activated. In the above example, if the deductible amount were ₹5 lakhs, case three would hold true. 

As long as the final amount to be paid is less than the deductible, your super top-up will not be activated. 

What happens if you exhaust the deductible?

Well, in that case, your super top-up will cover the entire amount because it will act as the stand-alone insurance cover. 

How to buy Super top-up health insurance in India?

It’s extremely simple. You can buy super top-up online or talk to our in-house experts. 

I highly recommend you book a call with an insurance expert to understand the minute details, inclusions and exclusions of the policy. Make an informed buying decision.
Book your free demo call today!

Key terms to remember when you buy super top-up

If you have scrolled this far, here are ten insurance terms you should look for before buying a super top-up plan. 

10 terms you should know before buying Super Top-up


So, would you buy super top-up health insurance? 

Enjoyed reading it? Spread the word

Request a Callback

No spam, we’ll use this email only for scheduling calls

By continuing, you agree to NovaBenefits Terms of Use and Privacy Policy

By continuing, you agree to NovaBenefits Terms of Use and Privacy Policy

We heard you!
We have received your request and will reach out to you shortly
Oops! Something went wrong while submitting the form.