What Is a Super Top-Up?

The basic mechanism

You choose a deductible — say ₹5 lakh. The super top-up responds to eligible expenses above that deductible, up to its own sum insured, in line with the policy terms.

Super top-up vs regular top-up

A regular top-up applies the deductible to each individual hospitalisation. A super top-up applies it to the total eligible expenses in the policy year, which is generally more useful when there is more than one claim.

Things to verify

• Whether the deductible matches your existing base sum insured.
• Waiting periods on the super top-up — they apply to the new policy on its own terms.
• Room rent, co-payment and exclusions in the top-up wording.

Who it may suit

Families that already have base cover and want a higher overall limit without a proportionate premium increase. Suitability depends on your existing policy and health profile.