Super Top-up Health Insurance
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A super top-up health insurance plan reimburses you for medical expenses after you have crossed the coverage limit of your policy. It steps in after you reach a deductible limit, covering costs that exceed that amount. It's like having a backup for when your current plan's coverage runs out.
Highlights of Super Top-up
Health Insurance
Most popular Health Insurance Plans
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
10% Renewal Discount is available after 40 years of age. It is available for customers entering at age <36 years
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
Unlimited recharging of sum insured, even the claims arises for related illness
No health check-up up to the age of 55 years (age as on last birthday)
Pre-existing diseases covered from the third year onwards upon two consecutive renewals with the company
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
10% Renewal Discount is available after 40 years of age. It is available for customers entering at age <36 years
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
Unlimited recharging of sum insured, even the claims arises for related illness
No health check-up up to the age of 55 years (age as on last birthday)
Pre-existing diseases covered from the third year onwards upon two consecutive renewals with the company
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
10% Renewal Discount is available after 40 years of age. It is available for customers entering at age <36 years
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
Unlimited recharging of sum insured, even the claims arises for related illness
No health check-up up to the age of 55 years (age as on last birthday)
Pre-existing diseases covered from the third year onwards upon two consecutive renewals with the company
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
10% Renewal Discount is available after 40 years of age. It is available for customers entering at age <36 years
Multiple sums insured options available, ranging from 3 lakhs to 25 lakhs
Unlimited recharging of sum insured, even the claims arises for related illness
No health check-up up to the age of 55 years (age as on last birthday)
Pre-existing diseases covered from the third year onwards upon two consecutive renewals with the company
Stay active and get up to 30% of your premium as HealthReturnsTM
For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation
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Super Top-up Health Insurance
Everything You Need to Know
What is Top-up Health Insurance
How Claims Would Be Made for Top-up and Super Top-up Health Insurance
How to Buy Super Top-up Health Insurance at Mahindra Paybima
What is Top-up Health Insurances
In a top-up insurance plan, you choose the sum insured and the deductible limit. Then, if you incur a claim more than your deductible, your top-up medical insurance plan will pay the excess claim. Even in subsequent claims, the expense amount should be more than the deductible to avail of the top-up claim from your policy.
Insurance Policy Pays Excess ClaimWhat is a Super Top-up Health Insurance Plan?
A super top-up plan is similar to a top-up plan with one main difference. In a top-up plan, every instance of claim is measured against the deductible limit, and only claims exceeding the deductible are paid. When you buy super top-up health insurance, combined claims made in a policy year are measured against the deductible. If the aggregate value of all claims exceeds the deductible, the excess claim is paid.
Insurance Policy Pays Excess ClaimWhat is Top-up Health Insurance?
Although both plans are alike in most aspects, they have a certain key difference that you can note in the following table:
| Top-up Health Insurance | Super Top-up Health Insurance |
|---|---|
| Pays the claim if an independent claim exceeds the chosen deductible limit. | Pays the claim if an aggregate value of all claims in a policy year exceeds the chosen deductible limit. |
| Lower Premiums. | Higher than top-up, but lower than regular plan premiums. |
Here’s an example to understand the difference between top-up and super top-up plans:
Policyholder “A” buys top-up health insurance for a sum insured of ₹10 lakhs and a deductible of ₹5 lakhs.
Policyholder “B” buys super top-up health insurance with the same sum insured and deductible. Let us take a look at how the claims would be made:
Incidence of Claim |
Health Insurance Top-up Plan |
Health Insurance Super Top-up Plan |
|---|---|---|
1st claim of ₹2.5 lakhs |
No claim since the deductible limit is ₹5 lakhs | No claim since the deductible limit is ₹5 lakhs |
2nd claim of ₹5 lakhs |
No claim since the deductible limit is ₹5 lakhs | Aggregate claims = 2.5 + 5 = ₹7.5 lakhs Deductible limit = ₹5 lakhs Claim payable = up to ₹2.5 lakhs |
3rd claim of ₹6 lakhs |
Claim = ₹6 lakhs Deductible limit = ₹5 lakhs Claim paid = ₹1 lakh |
Aggregate claims = 2.5 + 5 + 6 = ₹13.5 lakhs Deductible = ₹5 lakhs Claim payable = up to ₹6 lakhs |
How Should Claims Be Made for Top-up and Super Top-up Health Insurance
Parameters |
Base Health Insurance Plan |
Top-up Plan |
Super Top-up Plan |
|---|---|---|---|
Deductible |
NA | Each hospitalisation is accounted for separately. | All hospitalisations are considered together in an aggregate. |
Restore Benefit |
Depends on your plan | NA | NA |
No-claim bonus |
Yes, but the percentage is based on your plan. | NA | NA |
Renewability |
It can be lifelong, based on your plan. | It can be lifelong, based on your plan. | It can be lifelong, based on your plan. |
Sum insured |
It can increase at the time of renewal. | It can increase at the time of renewal. | It can increase at the time of renewal. |
Free health check-ups |
If offered under the plan. | NA | NA |
Co-pay |
Possible, depending on your plan. | Possible, depending on your plan. | Possible, depending on your plan. |
Premium cost |
Highest in comparison | Lowest | Higher than top-up, lower than base plan. |
Who Should Buy Super Top-up Health Insurance and Why?
Consider these reasons for buying the best super top-up health insurance plans in India.
As you age, insurance costs rise. Super top-up plans can help lower their premiums.
When your corporate plan's coverage is not enough, super top-up insurance can help you boost it without a steep price increase.
If your current policy's coverage is limited, a super top-up plan adds more benefits without switching to a new plan.
Benefits of Super Top-up Health Insurance
It ensures you have enough coverage during medical crises when costs are rising.
They are cost-effective, allowing you to increase coverage without a high cost, giving you higher sum insured.
The plan covers for multiple claims in a policy year without running out of coverage.
It covers hospitalization, pre- and post-hospitalization costs, daycare treatments, organ donor treatments, etc., comprehensively.
Even if your base health policy from one company you can get super top-up insurance from another.
You can get tax deductions on the premium, up to ₹25,000 for regular individuals and ₹50,000 for senior citizens, reducing taxable income.
How to Buy Super Top-up Health Insurance at Mahindra Paybima
Buying a super top-up health insurance policy online is very simple. Just follow these steps to complete the process and get your policy issued.
Provide personal and health information to begin the policy procedure.
Analyse the plans, compare quotes, features, network hospitals, waiting period and other details.
After shortlisting 2-3 policies as per your requirements, review them together by clicking the ‘compare product’ box.
Select the appropriate riders or add-ons for extra cover.
Enter required details for e-KYC.
Pay online using credit/debit cards, UPI, wallets, or net banking.
Upload the required documents.
Post insurer’s approval, the policy is sent on the registered email id.
At Paybima, buying an super insurance plan is easy and you can opt for an advisor’s help anytime.
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Ask Anything as We Have Answers to Everything in Super Insurance
Super top-up is a very low-cost plan that provides additional coverage, over and above the base health insurance plan.
For Example: If they have a base policy of ₹5 lacs, they can buy a Super top-up of ₹95 lakhs at a very minimal cost to make their overall health cover of ₹1 crore.
Yes, top up and super top up plans cover pre-existing conditions. However, such coverage is allowed after a waiting period. The waiting period for pre-existing conditions ranges from 2 years to up to 4 years depending on the plan selected.
Yes, the premium that you pay for a supertop up health insurance policy qualifies for tax benefits. You can claim a deduction of up to Rs. 25,000 on the premium paid under Section 80D of the Income Tax Act, 1961. This deduction increases to Rs. 50,000 if you are aged 60 years and above. Moreover, if you buy a top up plan for your dependent parents, you can claim an additional deduction of up to Rs. 25,000 which would increase to Rs. 50,000 if your parents are senior citizens.
