Health Insurance 157 views August 16, 2021

Super top-up health insurance plans cover the medical expenses up to the limit, as specified in the policy schedule, above the deductible amount. Once your claim amount exceeds the deductible, the super top-up plan becomes active for subsequent claims. So, if you are looking for a super top-up health insurance plan that can cover your medical expenses beyond the base plan, read this page further to know about it.

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List of the Best Super Top Up Health Insurance Plans

The following are some of the best super top-up plans available in India.

HDFC ERGO myhealth Medisure Super Top Up Insurance

The insurer shall cover the following medical expenses under the HDFC ERGO myhealth Medisure Super Top Up Insurance plan.

  • In-patient hospitalization expenses
  • Pre and Post-hospitalization medical expenses up to 30 and 60 days, respectively
  • Day Care Procedures

Check out the deductible and sum insured options under the HDFC ERGO myhealth Medisure Super Top Up Insurance plan.

Sum Insured (In INR)Aggregate Deductible (In INR)
3 and 8 Lakh2 Lakh
7 and 12 Lakh3 Lakh
6, 11 and 16 Lakh4 Lakh
5, 10, 15 and 20 Lakh5 Lakh

Niva Bupa Health Recharge

Under the Niva Bupa Health Recharge Plan, the insurer shall cover the following:

  • In-patient treatment
  • Physiotherapy, investigation and diagnostics procedures
  • Medicines, drugs and consumables as prescribed by the treating medical practitioner
  • Pre and post-hospitalization medical expenses up to 60 and 90 days, respectively
  • Day Care Treatment
  • Domiciliary Treatment
  • Alternative Treatment
  • Organ Donor Transplant
  • Emergency Ambulance up to INR 1,500 per hospitalization
  • e-Consultation
  • Mental Disorder Treatment
  • HIV or AIDS
  • Artificial Life Maintenance
  • Modern Treatments

Optional Covers:

  • Personal Accident Cover
  • Critical illness Cover
  • Modification in room rent

The Base Sum Insured options are as follows:

  • INR 2 Lakh
  • INR 3 and 4 Lakh
  • INR 5, 7.5, 10, 15, 25, 40, 45, 65, 70, 90 and 95 Lakh

The Annual Aggregate Deductible for Niva Bupa Health Recharge Plan ranges from INR 1 Lakh to 10 Lakh in multiples of INR 1 Lakh.

Chola Super Topup Insurance Plan

If you buy the Chola Super Topup Insurance Plan, you’ll get coverage against the following:

  • In-patient Hospitalization Expenses
  • Pre-Hospitalization Expenses
  • Post-Hospitalization Expenses
  • Emergency Ambulance
  • Day Care Procedure/Treatment
  • Domiciliary Hospitalization
  • AYUSH Treatment

You can choose your Sum Insured from the following options:

Sum Insured (In INR)Deductible (In INR)
3 Lakh1, 2 or 3 Lakh
5 Lakh2, 3, 4, 5 or 10 Lakh
7.5 Lakh3, 4, 5 or 7.5 Lakh
10 Lakh5, 7.5 or 10 Lakh
15 Lakh5 or 10 Lakh
20 Lakh5, 10 or 15 Lakh
25 Lakh10, 15 or 20 Lakh

Note: Chola Super Topup Insurance Plan comes in two variants – Premier and Supreme.

Kotak Health Super Top Up Insurance Plan

You’ll get coverage against the following under the Kotak Health Super Top Up Insurance Plan:

  • In-patient Treatment
  • Daycare Treatment
  • Pre & Post-Hospitalization Medical Expenses for 30 and 60 days, respectively
  • Ambulance Cover up to INR 2,000 per hospitalization
  • Organ Donor Cover
  • Alternative Treatment up to INR 50,000
  • In case of accidental hospitalization, the insurer will cover the medical expenses up to INR 40 Lakh.

The insurer shall restore the sum insured up to 100% once in a policy year, provided the sum insured and the cumulative bonus (if any) are insufficient to file a claim. You can use the restored base annual sum insured for future claims other than any illnesses or complications for which a claim has already been accepted/paid. The restoration shall be done in addition to the base annual sum insured

Note: No cumulative bonus shall apply to the restored sum insured. And the unutilized restored sum insured cannot be carried forward to any subsequent policy year. The restored sum insured isn’t available in case of accidental hospitalization.

Star Health Super Surplus Insurance Policy

Under this policy, the insurer shall cover the following medical expenses.

  • In-patient Hospitalization Expenses
  • Pre-Hospitalization Expenses
  • Post-Hospitalization Expenses
  • Modern Treatment
  • Delivery Expenses
  • Emergency Road Ambulance
  • Air Ambulance
  • E-Medical Opinion
  • Organ Donor Expenses

If the sum insured under this policy is exhausted/exceeded, the insurer shall provide an additional cover up to the limits as shown below.

Defined Limit  (In INR)Recharge Limit (In INR)
3 Lakh50000
5 Lakh75000
10 Lakh1 Lakh
15 Lakh and above2.5 Lakh

Such additional cover can be utilized for the same hospitalization or any other treatment of diseases, illness or injury for which the claim is paid/payable under the policy.

Note: The unutilized recharge amount cannot be carried forward. This benefit is not available for Modern Treatments.

This plan comes in two variants Silver and Gold. Check out the table below to know the sum insured and deductible options.

For Silver Variant

Sum Insured (In INR)Deductible (In INR)
7 Lakh3 Lakh
10 Lakh3 Lakh

For Gold Variant

Sum Insured (In INR)Deductible (In INR)
5, 7, 10, 15, 20, 25, 50, 75 Lakh and 1 Crore3 Lakh
5, 10, 15, 20, 25, 50, 75 Lakh and 1 Crore5, 10, 15, 20, 25 Lakh

United India Insurance Super Top Up

The United India Insurance Super Top Up policy covers the following hospitalization expenses during the policy period.

  • Room, Boarding and Nursing expenses
  • Fees charged by the Medical Practitioner, Surgeon, Specialists and anesthetists
  • Cost of anesthetics, blood, oxygen, operation theatre charges, surgical appliances, implants, medicines and drugs
  • Organ donor expenses
  • Ayurvedic Treatment
  • Modern Treatment

The sum insured options vary based on your chosen deductible amount. Check out the table below and know about it.

Sum Insured (In INR)Deductible (In INR)
3 and 5 Lakh2 Lakh
3, 5 and 7 Lakh3 Lakh
5, 10 and 15 Lakh5 Lakh

Oriental Super Health Top-Up

The insurer shall cover the following expense during the policy period under the Oriental Super Health Top-Up Plan.

  • Room, Boarding and Nursing Expenses up to 1% of the deductible amount as mentioned in the policy schedule
  • Intensive Care Unit (ICU) expenses up to 2% of the deductible amount as mentioned in the policy schedule
  • Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialists Fees
  • Cost of Anesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Material and X-Ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial limbs and similar expenses.
  • Organ Donor Cover up to 10% of the Sum Insured
  • Pre and post-hospitalization expenses up to 30 and 60 days, respectively

This policy can be purchased on an individual or family floater basis.

Liberty Connect Supra Top Up

You’ll get the following benefits under the Liberty Connect Supra Top Up Plan.

  • In-patient Hospitalization
  • Pre and Post-Hospitalization
  • Day Care Procedures
  • Loyalty Perk Preventive Care that will increase the Sum Insured by 10% after every claim-free year, subject to a maximum of 100%

Optional Covers:

  • Reload of Sum Insured
  • Ayush Treatment
  • Worldwide Coverage
  • Wellness & Assistance Program

This plan comes with the following sum insured and deductible options.

Sum Insured (In INR)Deductible (In INR)
3, 5, 7, 10, 15, 20 Lakhs2, 3, 4, 5, 7.5, 10 Lakhs
10, 15, 20, 30, 50, 100 Lakhs10, 15, 20, 30, 40 Lakhs

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