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Super Top-up Health Insurance

Super top-up health insurance acts as a financial safeguard against rising medical costs. It boosts your existing health plan by covering expenses beyond a specified amount at a more affordable premium. ...Read More

Explore the range Health Plans by HDFC Life to cover your medical expenses
With Health plans from HDFC Life you can opt for medical insurance at affordable rates

  • A Wide Network of More Than 10000 Hospitals

    10,000+ network hospital in India

  • Covers 18 Types of Heart Diseases

    Covers 18 types of heart diseases

  • Cover of Rs 10 Lakhs

    Cover of Rs.10 lakh for ₹ 5/Day2

  • No Medicals Required

    No Medicals Required

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Super Top-up Health Insurance

What is a Super Top-up Health Insurance Plan?

Super Top-up Health Insurance
April 07, 2025

Table of Content

 

A super top-up health plan covers total hospitalisation expenses up to the policy limit but only after exceeding a predetermined deductible. Once this deductible is met, the super top-up policy becomes active for all subsequent claims within the coverage limit.

Unlike a regular top-up plan, which applies only to single claims exceeding the deductible, a super top-up plan accounts for cumulative medical expenses over time.

The deductible is a fixed amount set in advance. For instance, if you have a super top-up plan of Rs. 10 lakh with a deductible of Rs. 4 lakh, the policy will cover medical costs beyond Rs. 4 lakh.

Your existing health insurance can cover this deductible, while the super top-up insurer takes care of any additional expenses.

Features of a Super Top-Up Plan

A super top-up mediclaim policy offers a more affordable way to enhance your health insurance coverage compared to increasing the premium on your existing policy.

It is a cost-effective solution that works alongside your current health plan, providing additional financial protection. Let’s understand the key features of a super top-up plan:

  • Affordable Coverage

The deductible is the portion of a claim that the insured is responsible for, calculated on an annual basis. A top-up health insurance policy provides coverage only when total hospitalisation expenses exceed this deductible. It's essential to note that the deductible needs to be paid only once.

  • Hospitalisation Coverage

An ideal super top-up health insurance plan helps you save money that would otherwise go toward higher premiums. At the same time, it provides financial security for you and your family during medical emergencies.

You can claim reimbursement for expenses such as room rent, nursing care, ICU charges, and doctor’s fees under the policy. Additionally, it covers daycare treatments and advanced medical procedures.

  • Organ Donor Support

The top super top-up health plans typically include coverage for organ donor expenses, providing crucial financial support to manage the high costs associated with significant illnesses.

  • Cashless Treatment

When you receive treatment at a network hospital, the insurer directly settles the expenses, eliminating the need for any out-of-pocket payments or reimbursement claims.

  • Flexible & Cost-Effective

It's important to note that super top-up health insurance offers flexibility. You can choose your deductible amount. A higher deductible leads to lower premiums, making the policy more cost-effective.

Additionally, you may qualify for a tax rebate under Section 80D of the Income Tax Act1. The premium is determined by various factors, including the coverage amount, the number of insured individuals, their ages, and the policy duration.

Why Should You Consider a Top-Up Mediclaim Policy?

Now that you understand how a super top-up mediclaim policy can help enhance your health insurance coverage, it is clear that it offers numerous benefits. With the continuous rise in medical costs, ignoring the impact of medical inflation is not an option.

Healthcare expenses are increasing year after year, and global events like the coronavirus pandemic have only accelerated this trend. Given this reality, having a comprehensive super top-up mediclaim policy is essential, as it provides substantial financial security.  

If the coverage under your existing mediclaim policy is insufficient to meet your and your family's healthcare needs, a top-up mediclaim plan can help bridge the gap between your expenses and available resources.

In the event of an unforeseen medical emergency, these plans offer a cost-effective solution to manage rising healthcare expenses efficiently.

Benefits of Super Top-up Health Insurance

These are the benefits of buying a super top-up health insurance plan:

  • Opting for a super top-up plan also provides access to cashless treatment, which is particularly advantageous given the high costs associated with medical care.
  • It is essential to understand that the deductible is only paid once per year. This is a one-time annual payment, after which any additional accumulated medical expenses will be covered by the insurance policy.
  • One of the key advantages of this policy is its flexibility. It can be purchased as either an individual plan or a family floater plan. Based on factors such as your family size, budget, and specific needs, you can choose a family floater policy or opt to cover your entire family under a single plan.
  • You can easily buy a top-up Mediclaim policy online, making both purchasing and renewing the insurance hassle-free, especially during medical emergencies.
  • A top-up health insurance policy typically covers hospitalisation expenses, childcare costs, and both pre-hospitalisation and post-hospitalisation care. This includes expenses such as diagnostic tests, doctor’s fees, and other related charges.

However, it is essential to review the policy document carefully or consult your insurer to understand the exact scope of coverage. Additionally, take note of any exclusions to avoid complications during the claim settlement process.

  • COVID-19 treatment is included in the coverage, as the policy is designed to provide financial support during emergencies. This feature offers a crucial advantage for many individuals in today's world.

With healthcare costs continually rising, being financially ready for uncertain medical expenses is more crucial than ever. If your standard health insurance policy offers limited coverage, a super top-up mediclaim plan for your family effectively secures additional coverage.

What Does a Super Top-Up Health Plan Not Cover?

This is the list of medical treatments not covered under a super top-up health plan:

  • You cannot claim once the policy deductible limit is over.
  • You will not get treatment for venereal diseases.
  •  Coverage does not include treatment for HIV/AIDS.
  • You are not eligible for expenses for treatments for drug or alcohol abuse.
  • Experimental treatments are not eligible for claim under the policy.
  • Cosmetic or plastic surgeries are not eligible for a claim.
  • Dental procedures are excluded unless hospitalisation is necessary.
  • Vaccinations or inoculations are not covered unless required due to an animal bite or as part of a prescribed treatment.
  • The cost of contact lenses, eyeglasses, or hearing aids is not eligible for claim.
  • Congenital conditions and stem cell implantation procedures.
  • Pre- and post-hospitalisation expenses for organ donors.
  • Medical expenses incurred for a newborn baby.
  •  Loss or damage caused by war, rebellion, invasion, hostilities, foreign enemy attacks, or civil war.
  • The cost of vitamins and supplements is excluded unless prescribed as part of an inpatient hospitalisation treatment.

How to File a Claim for a Super Top-Up Plan?

These are two ways to claim the super top-up plan:

  • Reimbursement Claims

Notifying the insurer as soon as possible after hospitalisation is essential. You can also file your claim via email.

With the shift to digital processes, you can submit claims online. It simply provides your hospital bills and all necessary documents to initiate reimbursement.

  • Cashless Claims

For cashless treatment, you have to be admitted to a network hospital of your health insurance company. Present your e-health card at the hospital help desk and request the cashless claim form. If everything is in order, your claim will be processed on the spot.

Final Words

To conclude,  A super top-up health insurance plan is an innovative, cost-effective way to enhance your medical coverage without paying high premiums. When combined with a strong life insurance policy, it ensures a holistic approach to financial security, protecting both health and future financial well-being. With rising healthcare costs and unforeseen life events, securing the best super top-up and life insurance combination will provide peace of mind and comprehensive protection.

Frequently Asked Question

FAQs on Super top-up health insurance

1.  What is a super top-up in health insurance?

Super top-up health insurance acts as a supplemental policy alongside your existing health insurance. If your medical expenses surpass the sum insured under your base policy, you can claim the excess amount through the super top-up plan, up to the specified coverage limit.

2.  What are the disadvantages of super top-up?

While super top-up health insurance provides extended coverage, it has certain drawbacks, including high deductible requirements, the possibility of underutilisation, the need for a separate application and claims process, and its unsuitability as a standalone policy.

3.  In a super top-up medical plan, what do you mean by deductible?

The deductible is the fixed amount you must pay out of pocket before your Health Top-Up Insurance begins covering medical expenses. It serves as the threshold that must be met before the super top-up health insurance provides additional coverage.

4. What is the difference between top-up and super top-up health insurance?

A top-up health insurance plan provides additional coverage once the deductible is exceeded, but only for a single claim. In contrast, a super top-up plan offers extended coverage after the deductible is met, covering multiple claims throughout the policy year.

5. What are the factors that will affect my super top-up health insurance premium?

The cost of your super top-up health insurance premium depends on factors such as age, deductible amount, pre-existing medical conditions, and coverage.

 

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Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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1. Tax benefits & exemptions are subject to conditions of the Income Tax Act, 1961 and its provisions. Tax Laws are subject to change from time to time. Customer is requested to seek tax advice from his Chartered Accountant or personal tax advisor with respect to his personal tax liabilities under the Income-tax law.

2. Annual Premium amount ₹ 1869 for Male aged 35 years, Base Benefit, 10 years term, Regular Pay option, Sum Assured=10 lakhs, excluding Taxes & levies as applicable.

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