Popular Top-Up and Super Top-Up Health Insurance Policies in India

With the medical costs on the rise nearly all the time, it calls for some financial planning for the future. Medical emergencies can hit anyone, anytime. It only makes sense then to prepare for them in advance, both mentally and financially. Health insurance offers financial protection in times of need; however, sometimes the need may be even greater than the coverage limit of the policy. In such cases, top-up and super top-up health insurance plans come into use.

Meaning of Top-Up Health Insurance Plan

As the name suggests, a top-up health insurance plan is designed to work as a top-up cover over the base health insurance policy purchased by the policyholder. As is known, a health insurance plan provides coverage up to a specific limit in case of emergencies that require immediate hospitalization.

Now, in case the policyholder requires insurance coverage for an amount higher than the specified limit, he/she would need to purchase an add-on rider cover. However, the additional benefit would cost them higher as well. This is where a top-up health insurance plan enters the picture.

It offers the policyholder the benefit of availing additional coverage over the one that is specified under the base health insurance policy at a relatively lower premium rate. This is the best advantage of taking top-up health insurance – the affordable premium at which one can seek extended insurance coverage.

In case the amount spent by the policyholder on the medical treatment goes beyond what is promised by the insurer under the purchased health insurance plan, the health insurance top-up plan is what one can fall back upon.

Meaning of Super Top-Up Health Insurance Plan

Although top-up health insurance is of great use to the policyholder, especially at a time when they need it the most, it does have certain limitations. Top-up health insurance can only be availed when the specified limit of coverage under the base health insurance plan has been exceeded upon. However, this facility is available just once – in case of one single hospitalization only.

This means that in case the same policyholder/patient needs to be hospitalized more than once, they cannot avail the top-up health insurance plan. However, to take care of this drawback, there is the super top-up health insurance benefit.

Super top-up health insurance allows the policyholder to avail additional coverage over the specific threshold limit more than once. This means that multiple health insurance claims can be raised by the insured for hospital stays more than once. This facility is not generally provided by top-up plans.

Popular Top-Up and Super Top-Up Health Insurance Policies in India

Popular Top-Up  Health Insurance Policies 2022

Now that we know what is top up and the different kinds of top-up insurance plans that are available in the health sector, let us take a quick look at some of the most popular ones in India. Listed below are a few of the renowned top-up and super top up insurance plans in the health category.

Name of the Top-Up Health Insurance Plan	Eligible Age of Entry	Policy Term	Sum Insured
Bajaj Allianz Extra Care	Min – 18 years; Max – 65 years	1 year, 2 years, 3 years	Between Rs. 10 lakh and Rs. 25 lakh
Future Generali Advantage Top-Up Plans	Min – Day 1 of buying the base plan; Max – Lifetime Eligibility	1 year, 2 years, 3 years	Between Rs. 50 thousand and Rs. 1 crore
New India Assurance Top Up Mediclaim Policy	Min – 18 years; Max – 65 years	1 year	Between Rs. 5 lakh and Rs. 22 lakh
Star Surplus Top-Up Plan	Min – 18 years; Max – 65 years	6 months	Silver Plan: Between Rs. 7 lakh and Rs. 10 lakh
			Gold Plan: Between Rs. 5 lakh and Rs. 1 crore
SBI Arogya Top-Up Plan	Min – 3 months of buying the base plan; Max – 65 years	1 year, 2 years, 3 years	Between Rs. 1 lakh and Rs. 50 lakh

Popular Super Top-Up Medical Insurance Plans 2022

Here are some of the best super top up health insurance plans in the country that you may want to consider investing in:

Name of the Plan	Age of Entry into the Plan	Policy Term	Total Sum Insured
Chola MS Super Top-Up Plan	Min – 3 years; Max – 70 years	2 and 3 years	Between Rs. 3 lakh and Rs. 25 lakh
Liberty Connect Supra Top-Up (I & II)	Min – 91 days; Max – 65 years	1, 2 and 3 years	I Plan – Between Rs. 3 lakh and Rs. 20 lakh
			II Plan – Between Rs. 10 lakh and Rs. 1 crore
National Super Top-Up Mediclaim Policy	Min – 18 years; Max – 65 years	1, 2 and 3 years	Between Rs. 3 lakh and Rs. 20 lakh
Raheja Health QUBE Super Top-Up Plan	Min – 18 years; Max – 65 years	1, 2 and 3 years	Between Rs. 2 lakh and Rs. 1 crore
Universal Sompo Super Healthcare Super Top-Up Plan	Max age limit up to 80 years	1, 2 and 3 years	Gold Plan: Between Rs. 2 lakh and Rs. 10 lakh
			Diamond Plan: Between Rs. 3 lakh and Rs. 20 lakh
			Platinum Plan: Between Rs. 10 lakh and Rs. 1 crore