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Super Top-Up Health Insurance
1 Crore Health Insurance Plan - Buy Online
Medical treatment costs in India are increasing rapidly. Even a short hospital stay can cost several lakhs. If you have a basic health insurance policy of ₹3–5 lakh, it may not be enough in case of a serious illness or accident.
This is where a Super Top-Up Health Insurance plan becomes useful.
Here are a few more reasons why you may need a Super Top-Up plan:
A Super Top-Up Health Insurance Plan works on a deductible basis.
It starts paying only after your total medical expenses cross a fixed amount (called the deductible) in one policy year.
Simple Example
Let's assume you have an existing health insurance policy of ₹3 lakh along with a Super Top-Up policy of ₹10 lakh.
Scenario 1The hospital bill is ₹4 lakh. How the claim will be paid:Your main health insurance policy will pay the first ₹3 lakh, and the Super Top-Up policy will then pay the remaining ₹1 lakh. |
Scenario 2The hospital bill is ₹7 lakh. How the claim will be paid:Your main health insurance policy will pay the first ₹3 lakh, and the Super Top-Up policy will then pay the remaining ₹4 lakh. |
To help you clearly understand how the deductible works in both Top-Up and Super Top-Up health insurance plans, here’s a simple example with two claims. The illustration table below explains it better:
Plan Type |
Top-Up |
Super Top-Up |
Deductible Rule |
Deductible applies on every claim |
Deductible applies once per year (aggregate) |
Sum Insured |
12 Lakh |
₹12 Lakh |
Deductible Amount |
₹1 Lakh per claim |
₹1 Lakh per year |
Claim 1 Amount |
₹10 Lakh |
₹10 Lakh |
Insurer Pays – Claim 1 |
₹9 Lakh |
₹9 Lakh |
You Pay – Claim 1 |
₹1 Lakh |
₹1 Lakh |
Claim 2 Amount |
₹2 Lakh |
₹2 Lakh |
Insurer Pays – Claim 2 |
₹1 Lakh |
₹2 Lakh |
You Pay – Claim 2 |
₹1 Lakh (deductible applies again) |
₹0 (deductible already paid in Claim 1) |
Total Insurer Pays (Year) |
₹10 Lakh |
₹11 Lakh |
Total You Pays (Year) |
₹2 Lakh |
₹1 Lakh |
Key Benefits:
👉 You Dont have to pay anything from you pocket
👉 Even if your basic health policy is exhausted the Super Top-Up Plan supports you medical expenses
Many people confuse Top-Up and Super Top-Up plans. Here is a simple difference:
Feature |
Top-Up Plan |
Super Top-Up Plan |
|---|---|---|
| Coverage Trigger | Per claim basis | Total expenses in a year |
| Suitable for | Single large claim | Multiple or large claims |
| Cost | Affordable | Very cost-effective |
| Popular Choice | Less common | More Preferred |
👉 Super Top-Up is usually better because it covers multiple hospitalisations in a year.
Hospitalization charges like hospital room rent, consultation fees, surgical expenses, registration expenses, etc., are covered under the super-top health insurance.
IFFCO Tokio’s Super Top-up plan provide coverage for 380 Day Care Procedures.
Ensure complete peace of mind by availing coverage for both pre and post hospitalization medical expenses through our super top-up insurance policy.
Alternative treatments such as Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy are covered in this plan.
Ambulance charges of up to Rs 3,000 are covered in case of any medical emergency.
Daily allowance amount up to a maximum of Rs. 5,000 per day can availed.
Primarily there are three add-ons covers are available to customize your health insurance –
IFFCO-TOKIO Wellness Benefits includes the following services:
This add-on covers the cost of essential, disposable medical items used during treatment.
This add-on allows the policyholder to skip paying the regular deductible under certain conditions.
Procedures which involve enhancement of one’s appearance will not be covered under the super top-up health insurance.
Dental care like preventive treatment, clean-ups, implants, are not covered.
Pregnancy or childbirth are not medical conditions and hence such conditions are not covered under the super top-up health insurance plan.
Injuries caused due to self-harm or suicide attempt will not be covered.
Medical emergency arising due to injuries suffered in war, nuclear explosion, adventure sport etc. are not covered under the policy.
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I chose this essential health insurance plan because it offers wide coverages like dental, maternity and more.
Their family health insurance policy covers me, my spouse, and kids, all in one plan. Very helpful!
Very transparent and reliable insurance provider.
I’m happy they included pre-existing disease coverage after a short waiting period.
The policy even has a room rent waiver, which saved us a lot during hospitalization.
Great customer satisfaction.
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