Best Super Top-up Health Insurance Plans in India
If you already have a basic health insurance plan and are worried it might not be enough during a medical emergency, you’re not alone. With rising healthcare costs, many people are looking for ways to get better coverage without spending too much. That’s where super top-up health insurance plans come in. These plans offer extra protection by covering medical expenses beyond a certain limit, making them a smart and affordable choice. In fact, their popularity has grown quickly. The share of super top-up plans in total health insurance premiums jumped from 10.5 percent in FY19 to 34.6 percent in FY24.
If you're thinking about boosting your coverage without stretching your budget, exploring the best super top-up plans in India is a good place to start.
Best Super Top-up Health
Insurance Plans in India
| Feature | Aditya Birla Super Health Plus | HDFC Ergo myHealth Medisure Super Top-Up | Niva Bupa Health Recharge | Care Supreme Enhance | Star Health Super Surplus | Bajaj Allianz Extra Care Plus | ManipalCigna Super Top-up Plan | SBI Health Super Top-up Plan |
|---|---|---|---|---|---|---|---|---|
| Deductible Range | Option 1: ₹1 lakh, ₹2 lakhs, ₹3 lakhs |
Multiple options: 2 Lakhs; 3 Lakhs; 4 Lakhs; 5 Lakhs |
From ₹ 10,000 to ₹ 10 lakh are available |
From ₹5 lakh to ₹ 10 lakh |
Silver Plan Deductible Options: ₹3,00,000/- & ₹5,00,000/- |
From ₹2 lakh to ₹ 10 lakh |
From ₹3 Lakh to ₹10 Lakh |
From ₹2 Lakh to ₹2 Crore |
| Sum Insured (in ₹) | up to ₹95 lakhs |
up to ₹20 lakhs |
up to ₹95 lakhs |
up to ₹95 lakhs |
up to ₹1 crore |
up to ₹50 Lakh |
From ₹1 Lakh to ₹30 Lakh |
From ₹5 Lakh to ₹4 Crore |
| Pre-existing Conditions (PED) Covered | Covered but 36 waiting period |
Covered but 36 waiting period |
Covered but 36 waiting period |
Covered but 36 waiting period |
Covered but waiting period applies |
Covered but 24 waiting period |
Covered but 24 waiting period |
Covered but 24 waiting period |
| Cashless Facility | 11000+ |
15000+ |
10000+ |
21700+ |
13,000+ |
18,400+ |
7500+ |
16,600+ |
| Pre/Post Hospitalization | Pre - 30 days |
Pre - 30 days |
Pre - 60 days |
Pre - 60 days |
Pre - 30 days |
Pre - 60 days |
Pre - 60 days |
Pre - 60 days |
| Initial Waiting Period | 30 days |
30 days |
30 days |
30 days |
30 days |
30 days |
30 days |
30 days |
| Premium Range (Approx. Annual) | Starts from ₹10,768/Yr |
Starts from ₹1,430/Yr |
Starts from ₹4,339/Yr |
Starts from ₹10,590/Yr |
Starts from ₹1,722/Yr |
Starts from INR 2,487/Yr |
Starts from INR 1,770/Yr |
Starts from INR 3,377/Yr |
| Claim Settlement % (Overall) | 96.00% |
97% |
98.00% |
98.00% |
99.00% |
94.00% |
90.00% |
98.00% |
| Unique Benefits | After 5 years of continuous renewals, you can convert the plan into a zero deductible indemnity policy if the age of eldest member for initial policy is 50 years and below. |
5% discount is available for opting for a 2-year policy, and a 10% discount for a family covering three or more members |
Critical Illness Cover - Options available: 1Lac to 10Lacs |
Get a 10% increase in the Sl as a reward upon renewal every year, a maximum of up to 100%. |
If the policy is opted for a term of 2 years, then 5% discount on premium can be availed. |
No pre-policy medical tests are required up to the age of 55 years |
Provides a guaranteed 5% increase in Sum Insured per policy year, maximum up to 50% of Sum Insured. |
Option to change the 36-months waiting period for maternity to either 48 months, 24 months or 12 Months |
| Entry Age | Minimum age at entry: 5 years (Individual Policy)/91 days (Floater Policy) |
till 65 years |
from 18 to 65 years. The entry age for dependent children is from 91 days to 25 years |
Adult: 18 years to lifelong; |
Adult: 18 years to lifelong; |
Adult: 18 years to 80; |
Adult: 18 years to lifelong; |
Adult: 18 years to 80; |
| Policy Type | Individual & Family Floater |
Individual & Family Floater |
Individual & Family Floater |
Individual & Family Floater |
Individual & Family Floater |
Individual & Family Floater |
Individual & Family Floater |
Individual & Family Floater |
| Room rent | Covered up to SI |
Covered up to SI |
Up to 1% of Base SI per day |
Single private room; up to SI |
Covered but Maximum of Rs. 4,000/- per day |
Covered up to SI |
Covered up to SI; option to choose any room |
Covered up to SI |
| AYUSH coverage | Covered up to SI |
Covered up to SI |
Covered up to SI |
Covered up to SI |
Covered up to SI |
Covered up to SI |
Covered up to SI |
Covered up to SI |
| Donor Expenses | Covered up to SI |
Not covered |
Covered up to SI |
Covered up to SI |
Covered up to SI under Gold Plan |
Covered up to SI |
Covered up to SI |
Covered up to SI |
| Domiciliary Hospitalization | Covered up to SI |
Not covered |
Covered up to SI |
Covered up to SI |
Covered up to SI |
Not specified |
Not specified |
Covered up to SI |
| Day Care Procedures | 586 covered up to Sum Insured |
Covered up to SI |
Covered up to SI |
All daycare procedure covered |
All daycare procedure covered |
Covered up to SI |
Covered up to SI |
Covered up to SI |
* Please read the disclaimer at the end of this page before purchasing this policy.
Our Top 4 Picks for Best Super Top-up Health Insurance Plans in India
Here are our top super top-up health insurance picks, chosen for their practical benefits, flexible features, and overall value in real-life situations.
Star Health Super Surplus
If you already have a basic health insurance plan and want extra protection without paying a high premium, Star Health Super Surplus is worth considering. It’s a super top-up plan that gives you added coverage once your existing health insurance or out-of-pocket threshold is crossed. You can choose between Silver and Gold variants, with benefits that include in-patient hospitalisation, organ donor expenses, daycare treatments, and even air ambulance services if your sum insured is over ₹7 lakh. The plan offers coverage up to ₹1 crore and is available for both individuals and families.
What makes this policy stand out is its additional features like maternity benefits, where delivery expenses are covered up to ₹50,000 per delivery for up to two deliveries. You also get access to wellness services and can request an expert medical opinion digitally from the company's panel of doctors.
Why It Stands Out
Potential Limitation
SBI Health Super Top-up Plan
This plan is designed for people who want serious backup once their basic health insurance is exhausted. With coverage going up to ₹4 crore, it’s one of the most generous options available. You can buy it for yourself or your family. It covers pre- and post-hospitalisation expenses, daycare procedures, and lets you choose from a wide network of hospitals. You also get flexible deductible choices starting from ₹2 lakh.
Why It Stands Out
Potential Limitation
Aditya Birla Super Health Plus
Aditya Birla’s Super Health Plus is designed to give you more coverage without making premiums unaffordable. If you sign up before age 50 and stay on the plan for 5 years, you can switch to a zero-deductible version, which means the insurer pays from the first rupee. There's no cap on room rent either, so you can choose any AC or non-AC single room during hospitalisation. It includes coverage for pre- and post-hospital care, ambulance charges, and 500+ daycare procedures. Cashless treatment is available at more than 10,000 hospitals. It also covers home treatments when needed.
Why It Stands Out
Potential Limitation
Niva Bupa Health Recharge
Niva Bupa Health Recharge is a go-to choice for many people because of its affordable pricing and flexible features. You can pick a deductible between ₹10,000 and ₹10 lakh, based on how much you want to pay out of pocket before the plan kicks in. It's available for individuals and families, and you can also add critical illness or accident coverage. The plan includes 60 days of pre-hospital and 90 days of post-hospital coverage. There's a 15-day free-look period so you can review the plan after buying. It also covers mental health care and treatments under AYUSH (Ayurveda, Yoga, Unani, Siddha, and Homeopathy). Plus, you can adjust room rent limits based on your hospital preferences.
Why It Stands Out
Potential Limitation
What is Super Top-up Health Insurance?
A Super Top-up Health Insurance plan is an extra layer of financial protection that kicks in when your regular health insurance coverage is not enough. Think of it as a backup that helps you deal with high medical bills without burning a hole in your pocket. It comes into play once your total medical expenses in a year cross a certain limit, known as the deductible. This deductible is the amount you pay either out of your own pocket or through your base health insurance policy. Once that’s covered, the Super Top-up takes care of the rest.
It’s especially helpful for people with aging parents, families with a history of hospitalisation, or anyone who wants to boost their health cover without paying a high premium for a bigger base policy. It gives you peace of mind knowing that if medical costs pile up, you have solid support to handle them.
What is Super Top-up Health Insurance?
A Super Top-up plan works based on the total medical expenses you incur in a policy year, not just a single hospital bill. This makes it more useful than a regular top-up plan that only covers one claim over the deductible limit.
Here’s a simple example. Suppose your Super Top-up policy has a deductible of ₹3 lakhs and a coverage limit of ₹10 lakhs. You get hospitalised twice in the year. The first time, the bill is ₹2 lakhs and the second time it's ₹4 lakhs. Since the total expenses (₹6 lakhs) go beyond the ₹3 lakh deductible, the insurer will pay ₹3 lakhs from your Super Top-up plan.
This means even if your expenses are spread out across multiple hospital visits, the Super Top-up plan will come into action once the total crosses the deductible. It’s a practical way to stay protected from high medical costs without burning a hole in your pocket.
When Should You Choose a Top-Up Health Insurance Policy?
Here’s when a top-up health plan can be a smart choice for you:
Your Existing Coverage Feels Inadequate
If your current health insurance policy doesn’t seem enough to handle large medical expenses, a top up plan can give you extra coverage without increasing your main policy premium. It helps you stay prepared for unexpected hospital bills that go beyond your existing limit.
You’re Looking for Tax Benefits Along with Safety
Top up plans also qualify for tax deductions under Section 80D. If you’re looking to save on taxes while boosting your health cover, this option offers both financial and medical benefits in one go.
You’ve Had a Major Hospitalisation That Almost Exhausted Your Sum Insured
If you've recently faced a large hospital bill that came close to using up your entire base cover, that's a wake-up call. A top up plan can give you that added buffer so you don’t have to worry the next time something unexpected happens.
You’re in Your 30s or 40s and Your Health Risks Are Still Low
This is the best time to get a top up plan. You’re likely to pay a much lower premium now, and you’ll lock in that rate as you grow older. It’s a smart move to secure a high sum insured early before lifestyle issues or age-related risks creep in.
You’ve Just Switched Jobs and Lost Your Corporate Cover
Corporate health insurance stops the moment you resign. If you’re in between jobs or just started freelancing, a base plan with a good top up can fill that gap and give you peace of mind during the transition.
You Live in a Metro City Where Hospital Bills Are 3–5 Times Higher
A short hospital stay in cities like Mumbai, Delhi, or Bangalore can cost over ₹3–5 lakhs even for basic procedures. If your current policy only covers ₹5 lakh or ₹10 lakh, a top up plan becomes essential in case you face something big like a surgery or ICU admission.
You’ve Seen a Family Member Drain Savings Due to Lack of Coverage
It often takes one bad experience in the family to realise how limited insurance coverage can be. If you’ve watched a relative or friend dip into their savings because their policy fell short, that’s a strong sign you need a top up in place.
You Want to Use Base Cover for Small Claims and Save the Top Up for Bigger Hits
Using your main policy for small hospital visits or daycare treatments, and saving the top up only for bigger emergencies, is a practical strategy. It keeps your No Claim Bonus safe on your base plan while giving you a safety net for high-cost treatments.
Your Parents’ Premiums Are Too High for a Large Base Plan
If you're insuring your senior citizen parents, a high base sum insured might be too expensive. You can take a lower base plan and add a top up with a high deductible to manage the cost while still keeping them fully covered.
Why Should You Choose a Super Top-Up Plan
Not all insurance plans cover physiotherapy the same way. If you’re thinking of buying one, here’s what you should check:
Covers Multiple Claims in a Year
Makes High Medical Coverage Affordable
Helpful for Ongoing Treatments or Chronic Illness
Ideal for Families with Elderly Parents
Better Preparedness for Big-Ticket Surgeries
Works Even If You Have Group Insurance from Work
Tax Benefits Under Section 80D
Gives You Peace of Mind During Rising Medical Inflation
Advantages of Super Top-up Health Insurance
Super top-up plans can really help you when your regular health insurance falls short. Here’s how they benefit you:
Super Top-Up Health Insurance Eligibility
Most people can apply for a super top-up policy, but it helps to know the general rules:
What Does Super Top-Up Health Insurance Cover?
Super top-up plans usually offer wide coverage, especially once your medical expenses cross the chosen deductible. Here's what most policies include:
What Is Not Covered in Super Top-Up Plans?
Even though super top-up policies offer good coverage, there are some things they usually don’t cover. These may vary depending on the insurer, but here are the common exclusions:
What’s The Difference Between Super Top-up and Top-up Health Insurance Policy?
A top-up health insurance plan gives extra coverage after you pay the deductible, but it applies to only one claim. Whereas a super top-up plan also gives extra coverage after the deductible, but it works for multiple claims made in the same policy year.
Super Top-up vs Top-up Health Insurance Plans
| Aspect | Top-up Health Plan | Super Top-up Health Plan |
|---|---|---|
| How It Works | Based on a single claim. The policy only comes into effect when one hospital bill exceeds the deductible amount. | Based on the total of all claims during the policy year. If your combined medical bills go over the deductible, you can make a claim. |
| Type of Claims Covered | Only one claim is considered at a time. Smaller claims are not added together. | Multiple claims can be added throughout the year to cross the deductible limit. |
| When the Claim is Paid | The insurer will only pay if a single hospital bill is higher than the deductible. | The insurer will pay once the combined medical expenses in a year cross the deductible. |
| Example Situation | If your deductible is ₹3 lakhs and your hospital bill is ₹2.8 lakhs, you cannot claim. Even if you are hospitalised again with a ₹2.5 lakh bill, that too won’t be covered unless one of them crosses ₹3 lakhs. | If your deductible is ₹3 lakhs and you have three hospital bills of ₹1 lakh each, you can claim ₹1 lakh from the super top-up plan after crossing the total limit. |
| Policy Validity | If one major claim is made and settled, the top-up coverage is considered used up for that year. | The policy continues until the entire coverage amount is exhausted, even if it takes multiple claims to reach that point. |
| Best For | Individuals who want backup for one-time, high-cost treatments or hospitalisations. | Individuals with chances of being hospitalised more than once in a year or dealing with ongoing treatments. |
| Cost of Premium | Usually cheaper than super top-up plans, since it only pays in very specific cases. | Slightly more expensive, but offers broader protection by covering multiple claims. |
| Settlement Simplicity | Easy to manage for one-time hospitalisations with high expenses. | Useful for long-term or recurring treatments. Makes claim processing smoother across multiple bills. |
| Dependability for Senior Citizens | May not be ideal for older individuals who may face repeated medical issues. | More suitable for senior citizens, as it offers better value when there are multiple treatments in a year. |
Factors to Consider Before Buying a Super Top-Up Health Insurance Plan
If you’re thinking about getting a super top-up health insurance plan, it’s important to look at a few key things before making a decision. This type of plan can save you money and give you better coverage, but only if it fits your actual needs. Here's what you should check:
Deductible Amount
The deductible is the amount you’ll have to pay out of your pocket before the super top-up kicks in. Make sure this amount is something you can comfortably manage. A higher deductible usually means a lower premium, but you’ll also need to pay more before your plan starts covering costs.
Base Policy Compatibility
A super top-up works best when paired with a base health insurance policy. If you already have one, check if the super top-up plan fits well with it. Your base plan and the super top-up should complement each other without any overlap or confusion.
Premium Costs
Compare premium amounts across different insurance providers. Make sure you’re getting good value without overpaying. Sometimes a slightly higher premium gives you a lot more benefits, so always check what’s included before choosing the cheapest option.
Inclusions and Exclusions
Read the policy documents carefully. Understand what is covered and what is not. Look for things like waiting periods, pre-existing conditions, maternity cover, and any specific exclusions. Knowing these details upfront will save you from surprises during claim time.
Network Hospitals
Check the list of hospitals tied up with the insurer. It’s better to choose a plan that includes hospitals near your home or workplace. A wider hospital network also increases your chances of getting cashless treatment, which can be a huge relief during emergencies.
Claim Settlement Ratio
This shows how often the insurance company settles claims without issues. A higher ratio means better chances of your claim getting approved quickly. You want an insurer that is known for being reliable and smooth with their claim process.
Policy Renewability
Look for a plan that offers lifetime renewability. This ensures that you’ll have health coverage as you grow older, without worrying about being denied later due to age or health conditions.
