Every health insurance online has a fixed sum insured, which is the limit within which you can make claims. Once you exhaust your sum insured amount, you do not get any financial aid from health insurance and have to pay all expenses out of your pocket. However, there are policies like top-up and super top-up health insurance that provide financial cover in case your base plan amount is exhausted.
Understanding the difference between top-up and super-top-up health insurance will help you choose the one best for you.
Table of Contents
What is a Top-Up Health Insurance Plan?
A top-up health insurance plan is a plan that increases the sum insured by your existing health insurance policy. The top-up plan provides additional financial coverage when you have exhausted the total coverage amount of your base plan. It acts as a backup plan for the primary plan and provides added financial protection.
Advantages of Top-Up Health Insurance
- Affordable: Top-up plans have lower premiums, making them more cost-effective than super top-up plans.
- Flexible: It can be added to the primary health insurance to enhance coverage without making any changes.
- Additional Cover: Top-up plans provide additional financial protection for individual health insurance claims exceeding the insured amount.
What is a Super Top-Up Health Insurance?
Similar to a top-up plan, super top-up health insurance also enhances the sum insured of the base plan. However, the super top-up provides coverage when you have exhausted all the claims from your regular health insurance plan.
Advantages of Super-Top Up Health Insurance
- Comprehensive Protection: It provides coverage for multiple claims made within a year, thus providing better coverage.
- Better Financial Protection: Super top-up plan provides financial protection by covering multiple claims.
- Straightforward Claims: As all claims are covered and made within a policy year, you only need to make one application to get coverage, making the procedure straightforward.
Top-Up Health Insurance Vs Super Top-Up Health Insurance: A Quick Look
| Parametre | Top-Up Health Insurance | Super Top-Up Health Insurance |
| Coverage | Provides additional coverage when a single claim exceeds the threshold. | Provides coverage when the cumulative claims threshold limit is exceeded. |
| Deductible Paid | Applies to each individual claim | The deductible applies to the cumulative medical expenses made in a policy year. |
| Claim Settlement | Only covers a single claim if the total bill amount exceeds the deductible. | Covers multiple claims when the entire bill amount exceeds the deductible amount. |
Difference Between Top-Up and Super Top-Up Health Insurance
Deductibles
- Top-Up Plan: Top-up health insurance only applies to deductibles for each claim; if the claim does not exceed the deductible amount, the plan does not cover it.
- Super Top-Up Plan: The super top-up plan considers the cumulative claim amount that exceeds the deductible in a year. This means that the total number of all claims in a year should be more than the deductible to get super top-up coverage.
Coverage
- Top-Up Plan: It provides additional financial coverage for individual policy claims that exceed the insured amount. Thus, each claim is assessed separately.
- Super Top-Up Plan: This plan covers multiple claims within a year. Once the combined expenses of all the claims exceed the sum insured of the primary plan, the super top-up provides coverage.
Premium Price
- Top-Up Plan: Top-up plans have a lower premium cost as they provide cover for individual claims.
- Super Top-Up Plan: Super top-ups have a higher premium as they provide coverage for multiple claims and the cumulative expenses that occur within a year.
Claim Procedure
- Top-Up Plan: Each claim needs to meet the deductible threshold to apply for the plan. Thus, claims are processed separately and need to be filed separately.
- Super Top-Up Plan: It has a more streamlined procedure as it considers the total expenses of all the claims made throughout the policy. If expenses exceed the threshold, it will provide cover.
Top-Up and Super Top-Up: Which One Is Better?
Both top-up and super-top-up health insurance have benefits. A top-up health insurance plan is more economical in the short term but does not provide comprehensive protection for the long term. Thus, it is great if you do not have a history of medical conditions requiring frequent claims.
However, if you are looking for long-term protection, then super top-up health insurance is right for you. It provides coverage for multiple claims that exceed the primary policy’s insured amount.
Health Protection With TATA AIG
Making the right choice between top-up and super top-up makes a great difference. It not only helps you get better financial health coverage but also saves you a lot of money. You can choose the TATA AIG Super Top-Up Plan, which is reliable and comes with the best features. It includes unlimited restorations of the sum insured, inpatient benefits, pre- and post-hospitalisation cover, domiciliary treatment, ambulance cover and AYUSH cover.
Moreover, with TATA AIG, you also get a cumulative bonus with every claim-free year and lifelong renewals, given you pay the premium without any break.