Increase your cover by ₹20L

Add an extra safety net of cover with super top-ups starting at ₹529/year.

Set up group plan

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NASSCOM Emerge 50 award winner

Why Super top-up?

Stays with you

Remains valid even if you move out of your company

Covers COVID-19

Covers 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 policies

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

3L
Deductible

Health insurance with 3L coverage (Deductible)

20L
Super top-up

Plum’s super top-up of 20L coverage with 3L deductible

1st hospitalization of ₹2L

Pays 2L from health Insurance or from your pocket

2nd hospitalization of ₹5L

Pays from remaining ₹1L from health Insurance or from your pocket & ₹4L from super top-up

3rd hospitalization of ₹16L

Pays ₹16L from super top-up

What's covered

Sum insured

₹20,00,000 cover once you have exhausted your deductible

Waiting period

Zero day on injuries & accidents, 1 year 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 ₹3000 per hospitalisation

Frequently asked questions

What is super top-up insurance?

Super top-up is additional coverage of 20 lakhs added to your existing policy. You can avail the additional cover for yourself, and/or for your entire family (self+spouse+2 kids), and/or your parents.

This policy, however, comes with waiting periods on certain critical illnesses and applicable deductibles.

How does super top-up insurance work?

Consider an example where employee Neha's policy covers the employee, her spouse, and her children.

Neha buys a super top-up for her parents with the sum insured as 20 lakhs, and a deductible of 3 lakhs. Neha paid a premium of Rs. 1248 for the year to get the super top-up (624 for her father + 624 for her mother).

Unfortunately, Neha's father runs into a situation where he needs to undergo treatment. Let's say the total hospital bill for the treatment was 7 lakhs.

Since the deductible that Neha opted for is 3 lakhs, she will have to pay 3 lakhs worth of bills out of her own pocket, or the father's sum insured (in case the father has been insured via an external health insurance policy bought separately) first.

Then, for the remaining 4 lakhs, Neha can use the super top-up.
The sum insured via the super top-up is 20 lakhs. Since 4 lakhs has been used up, the super top-up balance becomes 16 lakhs (20 - 4).

If Neha's father is hospitalized again, with a total bill of 10L, she can now directly use the super top-up to settle the entire bill. The super top-up balance becomes 6 lakhs (16 - 10).

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. Read all about how a deductible works here.

Does super top-up cover same-sex or unmarried couples?

No, the policy doesn’t cover same-sex or unmarried couples.

Is there a waiting period?

A 30-day waiting period from the policy start date is applicable, except for injuries and accidents. There is a 12-month waiting period for the following illnesses/surgeries:

Arthritis, if non-infective, gout, rheumatism and spinal disorders, joint replacement surgery

Benign ear, nose, and throat (ENT) disorders and surgeries (including but not limited to adenoidectomy, mastoidectomy, tonsillectomy, and tympanoplasty), nasal septum deviation, sinusitis, and related disorders

Benign prostatic hypertrophy

Cataract

Dilatation and curettage

Fissure/fistula in anus, hemorrhoids/piles, pilonidal sinus, gastric and duodenal ulcers

Surgery of genitourinary system unless necessitated by malignancy

All types of hernia, hydrocele

Hysterectomy for menorrhagia or fibromyoma or prolapse of uterus unless necessitated by malignancy

Internal tumors, cysts, nodules, polyps including breast lumps (each of any kind) unless malignant

Kidney stone/ ureteric stone/ lithotripsy/ gall bladder

Myomectomy for fibroids

Skin tumors unless malignant

Varicose veins and varicose ulcers

There is also a 4 year (48 months) waiting period for pre-existing diseases (PEDs).

What is the eligibility for purchasing a super top-up policy?

The primary member, purchasing the cover, has to be part of the group health insurance cover provided by Plum. Individuals with the following conditions are not eligible for a super top-up policy.

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 buy a super top-up only for my parents?

Yes, parents (up to 75 years) can be covered in separate individual policies. Understand all our different plan types in detail here.

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.

Can I add a super top-up to avail 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.

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

You will have to file two claims since you will utilize 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 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.

What is the difference between a regular health insurance plan and a super top-up plan?

Super top-up health insurance is an additional policy that works with your existing insurance policy.It kicks in only when you have exhausted your deductible amount in your base policy (i.e. a regular health insurance plan).

What are the factors that will affect my super top-up premium payable?

Your super top-up premium payable is affected by factors such as your age, the plan and deductible that you’ve selected.

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, 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 at the time of purchase.

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

To add, remove or edit details of a member post-purchase, reach out to care@plumhq.com for assistance.

What if I entered incorrect details during the purchase?

If you need to correct a mistake that you’ve made during a purchase, reach out to care@plumhq.com for assistance.