Super Top-up Health Insurance
Add ₹50 lakh of cover for the price of a coffee a day.
A Super Top-up sits on top of your existing policy (or a chosen deductible) and pays for everything above it — across the whole year, not per claim. It's the smartest, cheapest way to reach a ₹1 crore-level cover.
Why choose this plan
Big cover, small premium
Multiply your protection for a fraction of the cost of a fresh base policy.
Aggregate deductible
It counts all your bills in a year — not just one claim — to cross the deductible.
Tax-deductible
Premiums are eligible for deduction under Section 80D.
Family or individual
Available on both floater and individual bases to suit your existing plan.
What's covered
- Hospitalisation costs above your chosen deductible
- Pre & post hospitalisation expenses
- Day-care procedures
- Works over any existing health policy or on its own
What's not covered
- Claims below the deductible amount
- Standard health-policy exclusions and waiting periods
- Pre-existing diseases during the waiting period
- Non-medical/consumable items (plan-dependent)
Exclusions vary by insurer and plan. Always read the policy wording — our advisor will explain the fine print.
Available from
How it works
Share a few details
Tell us who to cover and your budget — takes under 2 minutes.
Get matched
Our advisors shortlist the best-fit plan from our partner insurers.
Buy in minutes
Review, pay online and get your policy document instantly.
We stay with you
Free renewal reminders and hands-on claim support, always.
Get an exact quote in minutes — free & no obligation.
Frequently Asked Questions
Common questions about Super Top-up Health Insurance.
Ready to secure super top-up health cover?
Talk to an IRDAI-certified advisor for free, honest guidance tailored to you.