Super Top-up Health Insurance

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A super top-up health insurance plan reimburses you for medical expenses after you have crossed the coverage limit of your policy. It steps in after you reach a deductible limit, covering costs that exceed that amount. It's like having a backup for when your current plan's coverage runs out.

Highlights of Super Top-up
Health Insurance

Covers from ₹1 lakh to ₹1 crore
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Choice of single private room
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Covers pre-existing conditions for 1–4 years
Offers COVID-19 plans

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Super Top-up Health Insurance

Everything You Need to Know

What is Top-up Health Insurances

In a top-up insurance plan, you choose the sum insured and the deductible limit. Then, if you incur a claim more than your deductible, your top-up medical insurance plan will pay the excess claim. Even in subsequent claims, the expense amount should be more than the deductible to avail of the top-up claim from your policy.  

Insurance Policy Pays Excess Claim

What is a Super Top-up Health Insurance Plan?

A super top-up plan is similar to a top-up plan with one main difference. In a top-up plan, every instance of claim is measured against the deductible limit, and only claims exceeding the deductible are paid. When you buy super top-up health insurance, combined claims made in a policy year are measured against the deductible. If the aggregate value of all claims exceeds the deductible, the excess claim is paid. 

Insurance Policy Pays Excess Claim

What is Top-up Health Insurance?

Although both plans are alike in most aspects, they have a certain key difference that you can note in the following table:

Top-up Health Insurance Super Top-up Health Insurance
Pays the claim if an independent claim exceeds the chosen deductible limit. Pays the claim if an aggregate value of all claims in a policy year exceeds the chosen deductible limit.
Lower Premiums. Higher than top-up, but lower than regular plan premiums.

Here’s an example to understand the difference between top-up and super top-up plans:

Policyholder “A” buys top-up health insurance for a sum insured of ₹10 lakhs and a deductible of ₹5 lakhs.

Policyholder “B” buys super top-up health insurance with the same sum insured and deductible. Let us take a look at how the claims would be made:

Incidence of Claim

Health Insurance Top-up Plan

Health Insurance Super Top-up Plan

1st claim of ₹2.5 lakhs

No claim since the deductible limit is ₹5 lakhs No claim since the deductible limit is ₹5 lakhs

2nd claim of ₹5 lakhs

No claim since the deductible limit is ₹5 lakhs Aggregate claims = 2.5 + 5 = ₹7.5 lakhs
Deductible limit = ₹5 lakhs
Claim payable = up to ₹2.5 lakhs

3rd claim of ₹6 lakhs

Claim = ₹6 lakhs
Deductible limit = ₹5 lakhs
Claim paid = ₹1 lakh
Aggregate claims = 2.5 + 5 + 6 = ₹13.5 lakhs
Deductible = ₹5 lakhs
Claim payable = up to ₹6 lakhs

How Should Claims Be Made for Top-up and Super Top-up Health Insurance


Base Health Insurance Plan

Top-up Plan

Super Top-up Plan 


NA Each hospitalisation is accounted for separately. All hospitalisations are considered together in an aggregate.

Restore Benefit

Depends on your plan NA NA

No-claim bonus

Yes, but the percentage is based on your plan. NA NA


It can be lifelong, based on your plan. It can be lifelong, based on your plan. It can be lifelong, based on your plan.

Sum insured

It can increase at the time of renewal. It can increase at the time of renewal. It can increase at the time of renewal.

Free health check-ups

If offered under the plan. NA NA


Possible, depending on your plan. Possible, depending on your plan. Possible, depending on your plan.

Premium cost

Highest in comparison Lowest Higher than top-up, lower than base plan.

Who Should Buy Super Top-up Health Insurance and Why?

Consider these reasons for buying the best super top-up health insurance plans in India.

For senior citizens (above 60 years) and parents

As you age, insurance costs rise. Super top-up plans can help lower their premiums.

To upgrade the employer health plan

When your corporate plan's coverage is not enough, super top-up insurance can help you boost it without a steep price increase.

When existing coverage is insufficient

If your current policy's coverage is limited, a super top-up plan adds more benefits without switching to a new plan.

Benefits of Super Top-up Health Insurance

Increased coverage

It ensures you have enough coverage during medical crises when costs are rising.

Affordable coverage

They are cost-effective, allowing you to increase coverage without a high cost, giving you higher sum insured.

Sufficient coverage against multiple claims

The plan covers for multiple claims in a policy year without running out of coverage.

Comprehensive coverage

It covers hospitalization, pre- and post-hospitalization costs, daycare treatments, organ donor treatments, etc., comprehensively.


Even if your base health policy from one company you can get super top-up insurance from another.

Tax benefits

You can get tax deductions on the premium, up to ₹25,000 for regular individuals and ₹50,000 for senior citizens, reducing taxable income.

How to Buy Super Top-up Health Insurance at Mahindra Paybima

Buying a super top-up health insurance policy online is very simple. Just follow these steps to complete the process and get your policy issued.

Share personal details

Provide personal and health information to begin the policy procedure.

Browse plans

Analyse the plans, compare quotes, features, network hospitals, waiting period and other details.

Compare shortlisted policies

After shortlisting 2-3 policies as per your requirements, review them together by clicking the ‘compare product’ box.

Add riders

Select the appropriate riders or add-ons for extra cover.

Complete proposal form

Enter required details for e-KYC.

Make payment

Pay online using credit/debit cards, UPI, wallets, or net banking.

Document upload

Upload the required documents.

Get the policy

Post insurer’s approval, the policy is sent on the registered email id.

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How to Compare Health Insurance Policies

Here are some of the factors you should consider while comparing health insurance policies.

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Ask Anything as We Have Answers to Everything in Super Insurance

Super top-up is a very low-cost plan that provides additional coverage, over and above the base health insurance plan.

For Example: If they have a base policy of ₹5 lacs, they can buy a Super top-up of ₹95 lakhs at a very minimal cost to make their overall health cover of ₹1 crore.

Yes, super top up plans are available on a family floater basis wherein coverage is allowed for you, your spouse, dependent children and dependent parents. Some super top up policy in health insurance might also allow coverage for your dependent parents-in-law.

The coverage duration of top up and super top up plans varies across companies. Usually, annual coverage is available under all plans and many plans allow long term coverage too wherein you can get covered for two or three continuous years by paying the lump sum premium at once.

Yes, top up and super top up plans cover pre-existing conditions. However, such coverage is allowed after a waiting period. The waiting period for pre-existing conditions ranges from 2 years to up to 4 years depending on the plan selected.

Yes, the premium that you pay for a supertop up health insurance policy qualifies for tax benefits. You can claim a deduction of up to Rs. 25,000 on the premium paid under Section 80D of the Income Tax Act, 1961. This deduction increases to Rs. 50,000 if you are aged 60 years and above. Moreover, if you buy a top up plan for your dependent parents, you can claim an additional deduction of up to Rs. 25,000 which would increase to Rs. 50,000 if your parents are senior citizens.