Double Your Health Coverage, Not Your Premium!
Smart super top-up health insurance for Indians with existing coverage. Get additional protection at fraction of base policy costs—because one health plan is never enough anymore.
When Your Health Plan Maxes Out, We Just Get Started!
- India's top health insurers, coverage-tested protection
- Maximum Extra Coverage, Minimum Extra Premium
- Super Top-Up Made Simple, Expert Health Shield
- Every Gap Covered, Every Bill Protected
Super Top Up Health Insurance
Trusted By 1500+ Enterprises
From Startups to Stalwarts, India’s Finest Choose CoverBizz
What is Super Top Up Health Insurance
Super Top-Up: Your Health Insurance’s Backup Singer Who Steals the Show!
Think of super top-up as having a reserve health fund that activates after your main insurance exhausts! It’s affordable additional coverage with a deductible—you pay first ₹3-5 lakh from your pocket or base policy, then super top-up covers lakhs more at just fraction of regular premium.
Whether your corporate insurance maxes out or base policy proves insufficient during serious illness, super top-up ensures that big medical bills don’t require selling your house. It’s like having insurance for your insurance—meta but money-saving!
Why Is This Policy Vital for Smart Planners
Because Medical Inflation Doesn’t Care About Your Base Policy Limits!
ICU costs run ₹15,000-₹25,000 per day; cancer treatment easily exceeds ₹20 lakh; organ transplants cost ₹15-40 lakh. If your base policy covers ₹5 lakh, you’re 80% exposed! Super top-up adds ₹25-50 lakh coverage at 40-60% lower premiums than buying standalone policy. It’s the difference between “adequate coverage” and “financial disaster.” It’s smart insurance for smart people!
Who Needs Super Top Up Health Insurance?
Corporate Employees
Group insurance typically covers ₹3-5 lakh; super top-up adds ₹15-25 lakh at ₹6,000-10,000 annual premium.
Existing Policyholders
Base policy insufficient for rising medical costs; top-up extends coverage without buying expensive new policy.
High Medical Risk Families
Diabetics, heart patients, and chronic disease families needing extra cushion beyond base coverage limits.
Senior Citizens
Elderly parents' base policies exhausted; super top-up provides affordable additional coverage despite age.
Multi-Hospitalization Families
Multiple family claims depleting base policy; super top-up covers subsequent hospitalizations same year.
Budget-Conscious Planners
Want ₹50 lakh total coverage but can't afford ₹50 lakh base premium; combine ₹5L base + ₹45L top-up smartly!
Types / Add-ons Commonly Offered
Individual Super Top-Up
Personal deductible-based coverage
Family Floater Top-Up
Shared family coverage after deductible
Aggregate Deductible
Deductible applies to total annual claims
Per-Claim Deductible
Deductible applies to each hospitalization
No-Deductible Top-Up
Premium top-up without deductible (higher premium)
Critical Illness Add-On
Additional lump-sum for specified diseases
What Super Top Up Health Insurance Covers
Post-Deductible Hospitalization
ICU Charges
Surgery Expenses
Pre-Post Hospitalization
Daycare Procedures
Ambulance Charges
Organ Donor Expenses
Room Rent (Above Limit)
Multiple Hospitalizations
Critical Illness
Annual Health Check-up
COVID-19 Treatment
Inclusions & Exclusions
Inclusions
Post-Deductible Coverage
All medical expenses exceeding deductible amount (₹3-5 lakh typically) covered up to super top-up sum insured
Multiple Claims Coverage
Aggregate deductible counts all claims together; kicks in when annual claims exceed deductible
All Base Policy Benefits
Pre-post hospitalization, daycare, ambulance covered after deductible threshold crossed
Room Rent Enhancement
Covers higher room categories when base policy limits exhausted during long hospitalizations
Critical Illness Protection
Add-on riders providing lump-sum payouts independent of hospitalization costs
Exclusions
Below Deductible Claims
Expenses below deductible threshold (₹3-5 lakh) not covered by super top-up
Pre-existing Diseases
Standard 2-4 year waiting period applies unless specifically waived
Cosmetic Procedures
Aesthetic surgeries and beauty treatments excluded like base policies
First 30 Days
Initial waiting period for illnesses (except accidents) similar to regular health insurance
Maternity (Usually)
Most super top-ups exclude maternity; some offer after 3-4 year waiting periods.
Insurance Partners
We’re Partners With 20+ Major Insurance Companies
FAQ's
Top-up = deductible per claim; Super top-up = deductible for total annual claims. Super = smarter for multiple hospitalizations!
Yes! But you'll pay deductible from pocket. Better to combine base (₹5L) + super top-up (₹20L) for complete coverage!
Your ₹5L deductible counts ALL year's claims together. First claim ₹2L + second claim ₹4L = ₹6L, top-up pays ₹1L!
Yes! Increasing ₹5L base to ₹50L costs 5-6x premium; adding ₹45L super top-up costs only 2-3x. Massive savings!
Absolutely! Most people use corporate/base policy for deductible, super top-up for excess. Perfect combination!
After standard 2-4 year waiting period, yes! Portability from base policy can reduce wait time!
Customers Says..
Mr. Vikram Malhotra (Bangalore)
Ms. Priya Joshi (Mumbai)
Mr. Amit Sharma (Delhi)
"Medical inflation grows faster than your salary, but your health insurance doesn't have to become unaffordable. Super top-up insurance: the financially smart way to sleep peacefully knowing that big medical bills won't create bigger life problems."
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