Read more of your interests, read less insurance paperwork
Ditch the paperwork with Plum's group health insurance
Click here to know how Plum helps 3000+ HRs ➝

If you're looking for a way to increase your health insurance coverage without breaking the bank, super top-up health insurance may be just what you need. This article will explain super top-up in health insurance, how it works, and whether it's right for you.

What is Super Top-Up in Health Insurance?

Super top-up health insurance is a type of policy that provides additional coverage for medical expenses beyond a certain threshold. It's designed to supplement your existing health insurance policy and is typically more affordable than purchasing a comprehensive policy with a higher sum insured.

How Do Super Top Ups Work?

STU provides coverage for medical expenses exceeding a predetermined limit, called the deductible.

Suppose you have a super top-up policy with a deductible of Rs. 2 lakh and a sum insured of Rs. 5 lakh. Your policy will kick in once your medical expenses exceed Rs. 2 lakh.

Such policies are designed to cover expenses not fully covered by your regular health insurance policy.

For example, if your regular policy has a sum insured of Rs. 3 lakh. However, you have a medical bill of Rs. 4 lakh. In this case, your regular policy will cover Rs. 3 lakh and your super top-up policy will cover 1 lakh.

Who Should Consider Super Top-Up in Health Insurance?

This is a great option for individuals who already have a policy but are looking for additional coverage without paying high premiums for a comprehensive policy. It's especially useful for those with a higher risk of requiring medical treatment, such as older individuals or those with pre-existing conditions.

Additionally, they are a good option for those with a GHI policy through their employer who want to increase their coverage to account for higher medical costs.

Benefits of Super Top-Ups

Some of the benefits of super top-up health insurance include:

Affordable premiums

STU policies typically have lower premiums than comprehensive health insurance policies with a higher sum insured.

Flexibility

Super top-up policies can be customized to meet your needs, including the deductible and sum insured.

Additional coverage

Super top-up policies provide additional coverage for medical expenses that exceed your regular health insurance policy's sum insured.

Tax benefits

Premiums paid for super top-up policies are eligible for tax deductions under Section 80D of the Income Tax Act.

Conclusion

Super top-ups in health insurance are a great option for individuals who want to increase their coverage without paying high premiums for a comprehensive policy.

It provides additional coverage for medical expenses that exceed a predetermined limit, making it an affordable and flexible option. If you want to learn more about super top-up health insurance or want to explore your options, contact us at Plum.

India's most disruptive people leaders teach talent, culture, and policy.

Learn everything about the business of talent that you don’t learn in business school

Sign up for free