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Super Top-Up Health Insurance
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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 1 The 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 2 The 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. |
Here's how it works:
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.
Our health insurance policy will not provide coverage for the following-
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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A deductible is the amount up to which your existing health insurance policy pays. The Super Top-Up plan starts paying after this amount is crossed.
You can buy it, but it is recommended to have an existing health insurance policy to fully benefit from a Super Top-Up plan.
Yes. A 15-day free-look period is provided at the policy inception, allowing you to review the terms and conditions. You may return the policy within this period if it is not suitable. This benefit applies only to fresh policies.
The plan includes several emergency assistance services, such as
Medical consultation, evaluation, and referral
Emergency medical evacuation
Medical repatriation
Transportation for a family member to join the patient
Care or transportation of minor children
Emergency message transmission
Return of mortal remains
Emergency cash coordination
A deductible is the fixed amount you must pay before the Super Top-Up plan starts providing coverage.
This deductible amount is pre-decided and stated in the policy document. It may vary depending on the plan chosen.
The deductible can be paid in two ways:
Out of your own pocket
Through another health insurance policy
Under Section 80D of the Income Tax Act, you can claim tax deductions of up to ₹1,00,000 on the premium paid for Super Top-Up Health Insurance.
Policy for? |
Deduction for |
Deduction for Parents |
Maximum Deduction |
Self & Family |
₹ 25,000 |
- |
₹ 25,000 |
Self & Family + Parents |
₹ 25,000 |
₹ 25,000 |
₹ 50,000 |
Self & Family (below 60 years) |
₹ 25,000 |
₹ 50,000 |
₹ 75,000 |
Self & Family + Parents |
₹ 50,000 |
₹ 50,000 |
₹ 1,00,000 |
Please note that tax benefits are subject to existing tax laws and may change. It is advisable to consult your tax advisor.
To file a Super Top-Up Health Insurance claim with IFFCO-TOKIO, you need to submit the following original documents:
Original Hospital bills and receipts
Doctor’s prescriptions
Medical certificates
Diagnostic and lab reports
Pharmacy/chemist bills
Any other proof of medical expenses
All documents must be submitted in the format required by the insurer.
You should inform the insurer about your claim as soon as possible, and definitely within 7 days from the date of hospitalization.
Please remember, you must inform the insurer even if your claim amount is within the deductible and may not be payable.
Yes, AYUSH treatments (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) are covered.
The coverage limits and applicable deductible depend on the plan and sum insured chosen at the time of purchase.
Yes, the Super Top-Up Health Insurance plan covers both pre- and post-hospitalization expenses:
Pre-hospitalization expenses: Covered for up to 60 days before hospitalization
Post-hospitalization expenses: Covered for up to 90 days after hospitalization
These expenses are reimbursed along with hospitalization costs
Coverage is provided within the overall Sum Insured limit
Yes, pre-existing diseases are covered under a Super Top-Up Health Insurance policy.
They become eligible for coverage after a waiting period of up to 48 (forty-eight) months of continuous policy coverage from the start of your first policy, without any break in insurance.
Yes, organ donation is covered under the Super Top-Up Health Insurance policy:
The policy covers the organ donor’s hospitalization expenses when the organ transplant is medically approved.
Coverage is provided within the overall Sum Insured limit
Pre- and post-hospitalization expenses for the donor are not covered
You can register a claim through any of the following methods:
Online
Call Centre
Walk-in to the branch
SMS
Among these options, online claim registration is the most convenient.
Get seamless healthcare access with IFFCO-TOKIO’s extensive network of 10000+ hospitals.
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