Why Super top-up?
Stays with you
Remains valid even if you move out of your company
Instant policy issuance
Get your cover activated within 2 minutes
No medical required
You get pre-qualified without undergoing medical tests
Covers critical illnesses
Tackles life-threatening diseases
Get tax benefit under Section 80D
Family of four
Covers you, your spouse and 2 kids through a floater cover
Cashless claims at 7400+ hospitals
Covers COVID-19 pandemic where costs can run in lakhs
Additional cover for parents
Cover your parents with separate policies (new purchase: up to 65 years, renewals: up to 75 years)
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
Health insurance with 5L coverage (Deductible)
1st hospitalization of ₹4L
Pays ₹4L from health insurance or from your pocket
2nd hospitalization of ₹8L
Pays from remaining ₹1L from health insurance or from your pocket & ₹7L from super top-up
3rd hospitalization of ₹16L
Pays ₹16L from super top-up
What you should know before you purchase super top-up
30 day wait period (except for injuries/accidents)
12 month wait period for named ailments
48 month wait period for pre-existing diseases
No claims until you’ve utilized your deductible
Pre and post-Natal claims
No pre and post-natal claims
No claims for procedures that are not done under a doctor’s recommendation.
₹20L, ₹50L, ₹1 CR cover once you have exhausted your deductible
Zero day on injuries & accidents, 1 year on named ailments, and 30 days on all other treatments
You get pre-qualified without undergoing medical tests
Expenses for 60 days of post hospitalisation
Covers 100% of the eligible expenses
Room rent restriction
Single private room for non-ICU. No limit on ICU
Upto ₹3000 per hospitalisation
Frequently asked questions
What is super top-up insurance?
Super top-up is additional coverage of upto 1 Crore 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
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 email@example.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?
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 firstname.lastname@example.org 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 email@example.com for assistance.