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Increase your health cover by ₹20L, starting at ₹529/yr

Add an extra safety net of insurance coverage with Plum's Super top-up plan. Available only to employees of companies who are already users of group health insurance plan of Plum.

Set up group plan

Why Super top-up?

Stays with you
Remains valid even if you move out of your company
Covers Covid-19
Covers the COVID-19 pandemic where costs can run in lakhs
No medical required
You get pre-qualified without undergoing medical tests
Covers critical illnesses
Tackles life-threatening diseases
Tax benefit
Get tax benefit under Section 80D
Family of four
Covers you, your spouse and 2 kids through a floater cover
Cashless claims
Cashless claims at 7400+ hospitals
Instant policy issuance
Get your cover activated within 2 minutes
Additional cover for parents
Cover your parents (up to 75 years) with separate individual policies
Stays with you
Remains valid even if you move out of your company
Covers Covid-19
Covers all pandemics where expenses can run in lakhs
No medical required
You get pre-qualified without undergoing 
medical tests
Covers critical illness
Tackle life threatening diseases such as cancer and stroke
Tax benefit
Get tax benefit under Section 80D
Family of four
Covers you, your spouse and 2 kids through a floater cover
Cashless claims
Cashless claims at 7400+ hospitals
Instant policy issuance
Get your cover activated within 2 minutes
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How it works?

Super Top-up works for any number of claims in a policy year. It kicks in once the threshold deductible is reached.

Let's say you have the following insurance

Attractive Premium Amount

Sum insured of ₹20,00,000 with various deductibles. Plan available exclusively for Plum members.

Buy super topup for family

Minnie Mink
Self
Mickey
Husband
Mickey Minkies
Husband
Add new member

Deductible

Annual premium

₹5,00,000

₹529

₹3,00,000

₹629

₹2,00,000

₹1,049

₹1,00,000

₹2,299

Plan available exclusively for Plum members.

We’ve temporarily paused purchase of super top-ups, due to technical issues with our insurance partner

Talk to an expert

Buy super topup for parents

Minnie Mink
Self
Premium payable Rs. 1222
Purchase now
Minnie Mink
Self
Premium payable Rs. 1222
Purchase now
Add new member

What’s covered?

Sum insured
₹20,00,000 cover once you have exhausted your deductible
Waiting period
Zero day on injuries & accidents, 2 years on named ailments, and 30 days on all other treatments
Pre hospitalisation
Expenses for 30 days of pre hospitalisation
Post hospitalisation
Expenses for 60 days of post hospitalisation
Zero copay
Covers 100% of the eligible expenses
Room rent restriction
Single private room for non-ICU. No limit on ICU
Ambulance charges
Upto Rs 3000 per hospitalisation
Sum insured
₹20,00,000 cover once you have exhausted your deductible
Waiting period
Zero day on injuries & accidents, 2 years on named ailments, and 30 days on all other treatments
Pre hospitalisation
Expenses for 30 days of pre hospitalisation
Post hospitalisation
Expenses for 60 days of post hospitalisation
Zero copay
Covers 100% of the eligible expenses
Room rent restriction
Single private room for non-ICU. No limit on ICU
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FAQ

How does Super top-up insurance work?

Super top-up health insurance is an additional policy that works with your existing insurance policy. It kicks in when you have exhausted your deductible amount in your base policy.

For example, if your base policy has a deductible of 3 lakhs, and you’ve exhausted this amount, you can use your Super top-up insurance to foot the rest of your bills. 

What are the advantages of buying Super top-up insurance?
  • Your Super top-up remains with you even after you leave your company.

  • You also get additional tax benefits under Section 80D.

  • Additionally, buying a super top-up cover is more cost-effective than paying a higher premium to increase your existing coverage.

Who can buy the Super top-up cover?

The primary member, purchasing the cover, has to be part of the group health insurance cover provided by Plum.

Individuals with pre-existing diseases are not eligible for the cover.

Does the Super top-up cover have age limits?

Yes, the plan is available to individuals below the age of 75. Children should be of age between 90 days and 24 years.

Can I add a Super top-up to avail of maternity benefits?

No, super top-up does not cover maternity.

Does Super top-up cover AYUSH?

Yes, AYUSH treatments are covered by Super top-up.

Can I buy a Super top-up for my parents?

Yes, parents (up to 75 years) can be covered in separate individual policies.

Why should I buy a Super top-up for my parents?

As your parents get older, there is the possibility of rising healthcare costs. There is always a chance that your existing health insurance cover may not meet their healthcare expenses. A super top-up can help enhance their existing health insurance cover (which they may have purchased in a personal capacity or may have obtained through your insurance plan) if they don't have any pre-existing conditions.

What is a deductible?

Deductible refers to the amount paid by the policyholder (via out-of-pocket or other medical insurance policy) before the super top-up kicks in.

Simply put, if you opt for a 20 lakh sum insured with a deductible of Rs. 3 lakhs, then you will pay 3 lakhs, and the rest will be paid for by your super top-up plan. Do note that the deductible can be exhausted over a period of one year (since the date of purchase of your Super top-up and need not be a one-time expense).

Is there a waiting period?

A 30-day waiting period from the policy start date is applicable, except for injuries and accidents. There is additionally is a 24-month waiting period for the following illnesses/surgeries.

What does a good health declaration mean?

Buying a super top-up cover does away with the need to undergo any medical tests. Instead, you will be required to provide a declaration of good health. This includes acknowledging that you and your family members are not consumers of alcohol/tobacco/recreational drugs and are in good health (not having any pre-existing diseases or health conditions).

How to claim my Super top-up with a current insurance plan? (group or individual)

You will essentially have to file two claims since you will utilise two policies. First, make sure that the deductible amount has been either exhausted through another policy or through out-of-pocket expenditure. Before raising the claim, reach out to us at care@plumhq.com for the best assistance and advice on using your super top-up policy.

What happens to my Super top-up if I leave my company?

Your Super top-up policy remains active for one full year from the purchase date. It remains active irrespective of you leaving the company or your company discontinuing Plum. The deductible amount can then either be covered by your personal health insurance policy or out of your own pocket. You can access your policy document via the confirmation email you received in your personal email ID.

P.S: it’s hence very important you share your personal email ID with us at the time of a policy purchase!

What if I want to upgrade, downgrade or edit a plan?

To upgrade, downgrade, or edit your plan, reach out to care@plumhq.com for assistance.