• Top Up/Super Top Up Health Insurance Plans in India

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    “Health is Wealth” – this old adage has become even more prominent in our fast paced world today, with incidences of unhealthy lifestyles impacting our overall quality of life. With costs rising every day, failing to secure one’s health can impact our bank accounts, pinching our wallets and leaving us dry. This is where health insurance plans come in, offering us ease of mind and helping us continue with our lives without having to worry about an unforeseen event. While health insurance plans offer protection, they can be taxing on our finances, with premiums costing a decent amount. Given our propensity to want more in life, it is only natural for us to want extra health care benefits, at nominal rates, of course. Getting additional benefits through an existing health insurance policy would mean higher premiums, but there is a smart way to get extra cover without having to empty your bank account.

    What are Top-up Health Insurance Plans?

    A Top-up health insurance plan, as the name implies is a scheme which provides additional cover, typically over and above the current available limit, at lower premium amounts. It can be considered as a safety net which helps you in case you exceed certain limits. Under a normal health insurance plan, the insurer pays the amount which an individual is insured for, but there could be cases when the expenses exceed this amount, which is where a top-up plan comes into play.

    Consider the example of Mr. Krishna, a manager with a bank who has a health insurance policy of Rs 5 lakh. He pays an annual premium of Rs 12,000 towards this premium. Unfortunately for Mr. Krishna, he is hospitalised due to a heart attack, the treatment for which goes up to Rs 8 lakh. Now under normal circumstances, his policy would pay Rs 5 lakh and he would have to pay the additional amount from his pocket. Now, if Mr. Krishna had opted for a Top-up policy of Rs 10 lakh with a deductible limit of Rs 5 lakh, this additional amount would be paid by his new policy, ensuring that he stays financially protected.

    In simple words, a Top-up health insurance policy provides protection after the basic threshold limit under a normal policy is breached.

    Super-Top-Up-&-Top-Up-Health-Insurance-Plans

    What is a Super Top-up Health Insurance Plan?

    A Top-up insurance policy has certain drawbacks when it comes to its implementation, which can be resolved by opting for a Super Top-Up policy. Unlike a Top-up plan which pays only if the threshold limit on a regular policy is exceeded on a single hospitalisation, a Super Top-up provides cover over the threshold limit in multiple cases.

    Let us take the example of Mr. Krishna again. Post treatment for his heart attack he suffers another one after 6 months, with the bill coming up to Rs 7 lakh, which comes outside the ambit of his top-up plan since only one claim can be entertained under its provisions. Now, if Mr. Krishna had opted for a Super Top-up plan with a cover of Rs 10 lakh and a threshold of Rs 5 lakh, this plan would pay the additional sum of 2 lakh.

    In simple terms, a Super Top-up Health Insurance policy has provisions for multiple claims, which are not offered by a regular top-up plan.

    Points to Remember:

    There are a few key points which one should be familiar with before they consider a top-up or super top-up health plan.

    • Deductible – Deductible, in this context refers to base amount over which a top-up or super top-up policy comes into force. For example, Mr. Krishna has a normal health insurance policy of Rs 3 lakh and a top-up/super top-up policy of Rs 7 lakh with the deductible set at Rs 3 lakh. In this case, his top-up/super top-up plan will come into force only if the bill is over and above Rs 3 lakhs. If the bill is under Rs 3 lakh, i.e. below deductible, no benefit will be paid through the top-up/super top-up plan.
    • Base plan – While it is not mandatory for an individual to have a base health insurance plan in order to avail a top-up/super top-up, it is recommended that a base plan is in place to cover amounts below the deductible.
    • Lower premium – One can get a top-up health insurance policy at lower premiums, with the premium amount depending on the deductible. A higher deductible results in a lower premium and vice-versa.

    Top-up Vs Super Top-up Health Insurance Policies:

    While similar in concept, there are a few key differences between a top-up and super top-up health policy, as highlighted in the table below.

    Parameter Top-up policy Super top-up policy
    Working basis Works on the principle of “per claim” or “per hospitalisation” Multiple claims are permitted
    Lapse on claim Policy lapses after 1 claim for the cover provided Policy lapses when the entire cover is exhausted (multiple claims entertained)
    Settlement Settles claim only if single bill amount is over and above the deductible Settles claim if total bill amount exceeds the deductible limit
    Example: Rakesh has a Top-up and Super Top-up health policy with Rs 10 lakh cover and a regular policy with a cover of Rs 5 lakh. He undergoes treatment for hospitalisation, consider the following scenarios.
    1. Single bill comes to Rs 7 lakh
    2. Two bills amounting to Rs 4.5 lakh each
    3. Two bills, one for Rs 7 lakh and another for Rs 2 lakh
    1. Rs 5 lakhs paid by normal policy and Rs 2 lakhs paid by top-up policy cover
    2. Rs 5 lakh paid by normal policy and no amount paid by top-up plan (since deductible is Rs 5 lakh)
    3. Rs 5 lakh paid by normal/regular policy and Rs 2 lakh paid by top-up plan
    1. Rs 5 lakhs paid by normal policy and Rs 2 lakhs paid by super top-up policy cover
    2. Rs 5 lakh paid by normal policy and Rs 4 lakh paid by super-top up plan
    3. Rs 5 lakh paid by normal/regular policy and Rs 4 lakh paid by top-up plan

    When to opt for a Top-up Health Insurance Policy:

    Individuals can opt for a top-up or super top-up policy under the following circumstances.

    • When their regular health insurance policy doesn’t offer adequate protection. In such cases they can choose one of these plans to enhance their protection.
    • When they want to increase their cover without having to pay higher premiums. The premium for a top-up or super top-up plan is cheaper than the premium for a normal plan with the same cover, helping them save money.

    Popular Top-up and Super Top-up Health Insurance Policies in India:

    Some of the popular top-up and super top-up health insurance policies in India are mentioned below.

    • Bajaj Allianz Extra Care – This policy offers cover ranging from Rs 10 lakh to Rs 15 lakh with deductibles ranging between Rs 3 lakh and 5 lakh. Working on a per claim basis, it comes with a family floater option.
    • ICICI Lombard Healthcare Plus – This policy offers flexible sum assured and deductibles to suit the financial requirements of different individuals, covering multiple scenarios.
    • Star Health Super Surplus – This plan comes with a cover ranging between Rs 7 lakh and Rs 10 lakh, with the deductible starting at Rs 3 lakhs.
    • Religare Enhance - This custom designed scheme comes without any sub limits, ensuring that the entire family is protected, with the option to choose a cover between Rs 1 lakh and Rs 30 lakh, depending on their requirement.
    • Apollo Munich Optima Plus – This plan covers multiple scenarios, offering cashless benefits and an option to convert the scheme into a zero deduction health insurance policy upon retirement.
    • United India Insurance Super Top Up – This plan can be used to protect both an individual and his/her family, coming with a floater option and offering cashless treatment across multiple locations in India.
    • HDFC Health Suraksha Top-up Plus – This plan comes with a family floater option, with deductible starting from Rs 1 lakh and sum assured ranging between Rs 2 lakh and Rs 10 lakh.

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Top Up/Super Top Up Health Insurance Plans in India Reviews

  • Page 1 of 50 1 2 3 4 5
    • Apollo Munich Health Insurance
      "The Best"
      0.5 5.0/5 "Blown Away!"
      Since I'm working with health insurance. It is easy to claim in Apollo Munich. The best hospital list covered in this policy. The best health insurance company in PAN India. In my company, they are paying the insurance premium for me and my family.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 14, 2018
    • HDFC Ergo Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've a health insurance policy with the HDFC Ergo. I pay a premium of 6100 Per year, I do not have any claim experience with the policy and it offers full coverage for my entire family. They offer a coverage 2 lacs annually which is pretty good for me. Overall it has been a good experience with the features of the policy. .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 14, 2018
    • Bajaj Allianz Health Insurance
      "Good Health Insurance policy"
      0.5 5.0/5 "Blown Away!"
      So far i have never claim the health insurance. I can claim upto 7 lakhs. I have taken this insurance policy for me and dependent. The employer take care of the premium amount. I have never contact the customer care. Almost most of the hospital has been covered in this health insurance
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 14, 2018
    • Universal Sompo Health Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have a health insurance policy taken from Universal Sompo, it was the best deal I came across when I was looking for the policy, the premium amount that I paid was quite reasonable and not too high, the sum assured amount was also good. I never got chance to take the services of this policy I have no claim experience from them so far.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 14, 2018
    • Universal Sompo Health Insurance
      "Best Health insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have taken this policy for the first time. I have not claimed the policy so far. I have paid around for Rs.8500 as premium. It family based health insurance policy. I can claim upto 5 lakhs. Cashless treatment is available. There is no pre-existing offer is available. I have taken this policy last month. Most of the hospitals are covered in this policy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 14, 2018
    • review Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      It is a health insurance policy from HDFC. Accidental benefits are there. If i admit in a hospital, i can claim for that also. I took this policy for my whole family. I'm paying Rs. 4500 for every year. I can claim upto 3 lakhs in a year. If i renew the policy without any claim, they will offer some bonus points. I never claimed this policy so far. Cashless treatment is available.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 13, 2018
    • Royal Sundaram Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I got the health insurance policy from the ROYAL SUNDARAM GENERAL INSURANCE company and i have got it around 5 years. This policy covers 4members in my family and it has the medical coverage amount of Rs,3,00,000 . I pay the premium amount of Rs,8,000 to renew the policy every year.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 13, 2018
    • United India Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      Got the health insurance policy from the UNITED INDIA INSURANCE company and I having this policy from past 5 years. The customer support and the response is good with the United India and this policy covers 4 members in the family. This policy has the medical coverage up to Rs,3,00,000 and I pay the premium amount of Rs,10,900 to renew this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 13, 2018
    • Apollo Munich Health Insurance
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I've a health insurance policy with the Apollo Munich Insurance company. I pay a premium of 19000, I do not have any claim experience with the policy. Sometimes I make payments via cheque and sometimes online. Overall their services are good even though I never had any claim experience with them.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 12, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the ICICI Lombard general Insurance company. I am paying a premium 39000 per year. I do not have any claim experience with this policy. So far in terms of the features and benefits it is a recommendable policy to have. I pay the premium online.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 12, 2018
    • Star Health Health Insurance
      "Best Health Insurance policy"
      0.5 5.0/5 "Blown Away!"
      Cashless treatment is available only in cities. In other rural areas, i cannot claim the policy for cashless transaction. In rural side, i have to collect all the bill and claim the policy after i paid my bill. I have claimed the policy once for my father. I used to make the payment of Rs. 7500 for me and any wife. I have already recommended this policy to my friends. I can claim easily and i got the payment as soon as possible if i issue the documents properly.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 12, 2018
    • Bajaj Allianz Health Insurance
      "Best"
      0.5 5.0/5 "Blown Away!"
      I am having the health insurance policy with the Bajaj allianz general insurance company. I would like to say that the coverage value is around three lakh Rupees. Cashless treatment is applicable there, so I have not faced any such claims with them as such.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 12, 2018
    • Star Health Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      Got the health insurance policy with the STAR HEALTH & ALLIED INSURANCE company around 3 years ago. This policy covers 4members in my family. This policy has the coverage amount up to Rs,2,00,000 and I am satisfied with it. The medical coverage and the cashless treatment options are good with the Star health insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 12, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the ICICI Lombard which is provided by the company. The company is paying the premium. It is a policy worth the money and I never had any claim experience with them. I'll have to wait and see how they respond to my claim request in future.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 11, 2018
    • Universal Sompo Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the Universal Sompo . I pay a premium of 10000 Per year, the coverage is good and I never had any claim experience with the policy overall it is a useful health insurance policy to have.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 09, 2018
    • Star Health Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the Star Health. We do not have any experience with the policy. Overall service good. My brother handles the payments for this policy. I am not aware of any other details regarding this policy. It offers coverage for the entire family. I never had any issues with the policy and their services.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 08, 2018
    • United India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with United India Insurance from last 8 years, i am not aware of the premium amount as the company pays it. I have a coverage value of Rs 1 lakh and that covers spouse and children. I have no claim experience so far from this insurance policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 08, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Apollo Munich from last 6 months, i am happy with the coverage value of this insurance policy and it is family policy. A premium of Rs 8000 has to be paid for this insurance. I have no claim experience and the coverage value of this insurance is 3 lakhs.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 08, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've had taken a health insurance policy from the ICICI Lombard. I never had any claim experience with the policy. I'll have to wait and see how they respond to my claim requests in future. So far, I never had any issues with their services till date.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 07, 2018
    • Reliance General Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've a health insurance policy with the Reliance. I never used this policy for any medical purposes. I've been paying a premium of 11000 per year for the policy. I never had any claim experience with the policy. I see this as a back up fund in case of any medical emergency.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 07, 2018
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