Super-Top up Health Insurance Plan

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Top Up Health Insurance Plan

Are you convinced that you have the best medical insurance plan that covers everything? Are you confident that in your hour of need, your insurance amount will be sufficient? If the answer is a dubious no, then you need a health insurance top-up policy. It is like the additional support you need if your insured sum from your base health insurance policy gets exhausted. Many companies now give you the option of extending your medical cover without burning holes in your budget.

What is Health Super Top-Up Plan Cover?

Super top-up Health insurance plans are added coverage for people who already have health insurance. The top-up cover is used when the insured sum in your existing policy gets exhausted. Many people think that health insurance and top-up plans are the same. However, the main difference between the two is the deductible amount. A top-up plan is beneficial because it provides the backup when your base plan gets drained.

If you need to look at the best super top-up health insurance in India, then head to RenewBuy, your very own portal providing in-depth information about the different Top Up Health Insurance Plans.

Get more information and power up your research process with smart health insurance top-up plan comparison, only at RenewBuy. Click here to plan comparison.

What Does Health Super Top-Up Plan Cover?

A top-up plan is like your primary health insurance policy that covers hospitalisation expenses. However, for the top-up to be triggered, the threshold amount needs to be crossed. This threshold limit is known as the deductible. Simply put, this amount is not covered by the insurer. The claimant has to pay this amount before they can benefit from the top-up plan. The usefulness of a top plan lies in the higher deductible that reduces the premium amount, thereby reducing the premium.

Advantages of Super Top-Up Plan:

When a top-up plan supplements your current health insurance, it brings plenty of benefits to it. Some of these advantages of top-up health insurance plans are:


Increased cover at minimal premium


Tax benefit under section 80D


Top-up plan can be used to pay your bills when your deductible limit is exhausted


Pays all your expenses during hospitalisation when your health insurance sum is completely used


Takes care of medical bills in case of emergency

When do you need a Top-up Health Insurance Plan?

Buying an additional health insurance policy to increase your coverage can be expensive. Even upgrading your health insurance policy can beef up your premiums. However, if you take a mediclaim top-up plan, you can enjoy the same benefits at a lower premium. When your threshold limit gets used up, the rest of the bills and medical expenses are borne by the top-up insurance.

You can opt for top-up health insurance plans if,

  • Your current health insurance policy doesn’t provide adequate cover
  • You want to increase the protection without paying higher premium

Inclusion & Exclusion in Top-up Medical Insurance:


  • Deductible (or existing sum insured)
  • Sum insured
  • Pre hospitalisation
  • Post hospitalisation
  • In patient care
  • Day care treatment
  • Health check-up
  • ICU charges
  • Doctor’s fee
  • Room rent


  • Any pre-existing illness or injury that was detected within the first 2-years prior to issuance of first policy
  • Diseases contracted within the first month from the policy start date, accidents are exempted
  • Expenses incurred due to attempted suicide or self-inflicted injury
  • Medical expenses incurred due to alcohol or substance abuse
  • Contact lenses, spectacles and dental expenses
  • Congenital disease

Eligibility Criteria:

The basic requirements to apply for top-up plan includes:

  • The proposer must be an adult but some plans allow a dependent child of 1 day also to be covered under the policy and no maximum age limit
  • No pre-existing medical conditions

Get various options in super top-up health insurance and compare a top-up mediclaim policy with similar plans from other providers only at RenewBuy. Pick the best super top-up health insurance plan only after looking at all the providers and narrow down your search to be suitable for your specific needs.

If you have decided, then all you need to do is make the payment online and relax while we send out the policy document to your mailbox for your reference. The simplified process to compare super top-up plans makes RenewBuy the first choice to assess and purchase top-up health plans smartly.

Must Read: Best health Insurance plan for family.