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  • 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
    • HDFC Ergo Health Insurance
      "Recommendble Top up policy"
      0.5 5.0/5 "Blown Away!"
      I have done health policy top up with HDFC Ergo, the customer service is also very good. There is no processing fee for the top up, they gave me the medical amount Rs. 12 lakhs for entire family its for 3 person, I don't have claim experience. They are covering major or minor but for waiting period for pre existing is three years.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 13, 2018
    • Oriental Insurance Health Insurance
      "Need to improve on the coverage"
      0.5 4.0/5 "Great!"
      One of my friend have suggest this company, the medical coverage value is low around Rs. 3 lakhs then I have top up with HDFC Ergo. But Oriental insurance have tie up with many hospital in Hyderabad, I got my medical card on time, I need to approach through paper.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 13, 2018
    • HDFC Ergo Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I already a health insurance with HDFC Ergo. I am satisfied with the benefits. The policy coverage is one year. It covers only minor disease. There is no claim experience. They provide a good network of hospitals for the cashless treatment. I don't get any reminder call for the policy renewal.
      Was this review helpful? 0
      , panipat
      Reviewed on Nov 13, 2018
    • National Insurance Health Insurance
      "Very low premium policy"
      0.5 4.0/5 "Great!"
      I have not used the health insurance for any kind of claim services. The health insurance policy from National has been issued from my organization. I have called the customer care service for a normal enquiry and the response was good. They have given me a coverage value of Rs. 5 lakhs and all the family members of mine is included in this policy.
      Was this review helpful? 0
      , dehradun
      Reviewed on Nov 13, 2018
    • Royal Sundaram Health Insurance
      "Good Experience"
      0.5 4.5/5 "Excellent!"
      I have two claim with Royal Sundaram, it was hassle free. I need to submit few documentation the process was quick. I got the reimbursement I didn't get the cash less hospitalization. On my nearest place there is no hospital which they got tie .
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 12, 2018
    • New India Health Insurance
      "Good Health Policy and providing good reimbursement"
      0.5 5.0/5 "Blown Away!"
      My company provided New India vidol ttk medical card with the coverage Rs. 1 lakh they are providing cash less hospitalization. The policy activation is very good, I have submitted normal documents two times I used my policy for health issue and for my wife's delivery, I received 100% of reimbursement amount within 15 days.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 12, 2018
    • Cigna TTK Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      Previously I had a health insurance with Cigna TTK and now moved to new insurer. They provide a cashless treatment in good hospitalization. I have not gone for claim process. The medical coverage is good and don't know about the cashless. I paid around Rs.5500 for a one year.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 12, 2018
    • National Insurance Health Insurance
      "Very easy to get a claim"
      0.5 4.0/5 "Great!"
      My employer has provided me a health insurance with National Insurance. They have given the health insurance policy for my family also. I have got the coverage amount of Rs. 29 lakhs and the chained hospitals list was good. In ten days, i have got my claim settlement. They are providing a cashless treatment facility.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 12, 2018
    • ICICI Lombard Health Insurance
      "Best Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken Health insurance from Icici Lombard insurance for my parents . Am satisfied with the premium amount which is quiet good. I make the payment yearly, but it has the benefits of cashless hospitalization and pre disease coverage . Am satisfied with their service and response.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 10, 2018
    • Cigna TTK Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I got health insurance from Cigna TTK insurance through my company , The premium amount is been paid through my company . This policy covers Cashless hospitalization. Pre diseases coverage . Overall am satisfied with policy coverage and policy benefits .
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 10, 2018
    • Religare Health Insurance
      "Good protection for health"
      0.5 4.0/5 "Great!"
      Major factor to avail Religare health is because of the premium amount is low and few more options are good with them. But there is a waiting period for pre existing disease benefits however I got the medical card on time with the coverage value of Rs.5 lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 10, 2018
    • Reliance General Health Insurance
      "Good for health and family"
      0.5 5.0/5 "Blown Away!"
      RBL bank have suggested Religare health medical policy, then I availed health policy from them. I selected the medical cover of Rs. 5 lakhs with accidental cover of Rs. 5 lakhs. Every year I used to pay Rs. 2500 as premium for my health policy.
      Was this review helpful? 0
      , kanpur
      Reviewed on Nov 05, 2018
    • National Insurance Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance in National Insurance for me and my family. The policy covers minor disease and critical illness. The customer service is excellent. Am paying yearly 16K as a premium. Last year have applied for claim, the refund was 100% excluding food. The policy coverage is 10L, I have taken in the year of 2005 or 2006. Am getting good benefits on this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 03, 2018
    • Tata AIG Health Insurance
      "Good for Health"
      0.5 4.0/5 "Great!"
      MY friend have referred Health insurance with TATA AIG, because of the good coverage they give complete family protection. I got the mediclaim amount of Rs. 3 lakhs, they have pre existing cove , I can use after a year. I am satisfied with the policy benefits.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Nov 02, 2018
    • National Insurance Health Insurance
      "Good for Health"
      0.5 4.5/5 "Excellent!"
      I got National insurance health policy, I have the total cover for Rs. 5 lakhs its for entire family. They provide cash less hospital and pre existing disease cover, I am satisfied with the benefits of the policy. But I have not use this policy.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 02, 2018
    • HDFC Ergo Health Insurance
      "Best Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken health insurance form Hdfc ergo .Am satisfied with the premium amount which am making the payment yearly . Their customer representative explained the benefits and features of the policy . They have given the list of network hospitals and health card also. This policy covers cashless hospitalization and pre disease coverage . I make the payment through net banking .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 02, 2018
    • United India Health Insurance
      "Best Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken health insurance from UNITED INSURANCE . Am satisfied with the premium amount which am making the payment . This policy covers cashless hospitalization . They have given the network list of hospital . Overall am satisfied with the policy.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 01, 2018
    • Religare Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance policy with Religare from last 1 year, i am not aware of the premium amount for this insurance. I have not claimed anything so far from this insurance policy. I have a coverage value of Rs 3 lacs for this insurance.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 01, 2018
    • ICICI Lombard Health Insurance
      "Need scope of improvement on claim process"
      0.5 4.0/5 "Great!"
      My I-protect family health plan is good, overall cover is for 15 lakhs for my entire family. They giving pre existing and cash less hospitalization cover. The service is also great but I heard they are not good in claim, they have some length process, they need some scope of improvement.
      Was this review helpful? 0
      , delhi
      Reviewed on Nov 01, 2018
    • Apollo Munich Health Insurance
      "Very Good services"
      0.5 5.0/5 "Blown Away!"
      I have been renewing the health insurance policy with Apollo Munich for last 5 years. I pay the premium amount of Rs. 11000 and my entire family has been covered in this policy. They are providing the coverage value of Rs. 3 lakhs. When i met an accident, they have given me a claim amount of Rs. 1.45 lakhs. I have availed the cashless treatment for claim. Very Good hospitals are covered in this policy
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 01, 2018
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