Comprehensive Super Top-up Insurance for Enhanced Health Protection
Our Super Top-up Insurance provides an additional layer of financial protection above your existing health insurance coverage. Designed to kick in after your base policy limit is exhausted, it offers high sum insured at affordable premiums. Perfect for protecting against catastrophic medical expenses, our super top-up plans come with flexible deductible options, family coverage, and comprehensive benefits that extend your health insurance protection significantly while keeping costs manageable.
What We Offer
Our comprehensive super top-up insurance portfolio offers enhanced protection with high sum insured options and flexible deductible choices.
01.Individual Super Top-up Plans
Enhanced coverage for individuals with high sum insured options starting from ₹5 lakhs up to ₹1 crore, with flexible deductible choices.
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High Sum Insured Options
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Flexible Deductibles
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Individual Coverage
02.Family Super Top-up Plans
Comprehensive family floater plans providing enhanced protection for all family members with shared deductible options.
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Family Floater Coverage
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Shared Deductible
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Multi-member Protection
Super Top-up Insurance Features
Our super top-up insurance plans come with comprehensive features designed to provide enhanced protection at affordable premiums.
Comprehensive coverage for hospitalization expenses including room rent, ICU charges, doctor's fees, and surgical procedures once deductible is crossed. Coverage for pre and post hospitalization expenses for specified periods. Day-care treatment coverage for procedures not requiring 24-hour hospitalization. Coverage for modern treatments like robotic surgery, stem cell therapy, and organ transplantation. Ambulance charges coverage and emergency medical transportation. Coverage for alternative treatments including Ayurveda, Homeopathy, and Unani treatments. Protection against complications arising from pre-existing diseases after waiting periods.
Coverage for critical illness treatments as part of hospitalization expenses. Maternity benefits including normal delivery, caesarean section, and complications of pregnancy. Newborn baby cover from day one for specified conditions. Coverage for domiciliary hospitalization when home treatment is medically necessary. Mental illness coverage including hospitalization for psychological disorders. Coverage for age-related degenerative conditions and congenital diseases. Protection against hospitalization due to accidents and emergencies.
Flexible deductible options ranging from ₹1 lakh to ₹10 lakhs based on your base policy coverage. Cumulative deductible option where multiple claims can be combined to meet deductible limit. Individual deductible for separate coverage of each family member. Family floater deductible where all family members share a common deductible limit. No-claim bonus on deductible where deductible reduces for claim-free years. Reset deductible option where deductible resets annually for fresh coverage. Variable deductible based on age and medical history for customized premium calculation.
Disease-specific deductible for particular medical conditions. Multi-year deductible for long-term medical treatments. Portable deductible that can be carried forward to other insurance plans. Zero deductible options for critical illness coverage. Co-payment options in lieu of higher deductible for premium reduction. Deductible waiver for specific treatments and procedures. Customizable deductible based on individual risk assessment and premium affordability.
Highly affordable premiums compared to base health insurance for the same sum insured. Premium discounts for online purchase and direct buying. Family discount for multiple members under single policy. Long-term policy discount for 2 or 3 year policy tenure. Corporate discount for group super top-up policies. No medical examination required for most applicants below specified age. Premium loading only for specific high-risk conditions and occupations.
Flexible premium payment options - annual, semi-annual, or quarterly. Premium refund option in case of base policy non-renewal. Loyalty discount for long-term customers with claim-free history. Portability discount when switching from other insurers. Wellness discount for healthy lifestyle and regular health check-ups. Senior citizen discount with special rates for elderly applicants. Tax benefits on premium paid under Section 80D of Income Tax Act.
Seamless claim process integrated with base health insurance policy. Cashless claim facility at 10,000+ network hospitals across India. Automatic deductible calculation and tracking through integrated systems. Quick claim approval within 4 hours for emergency cases. Digital claim submission through mobile app with document upload. Coordinated claim settlement between base policy and super top-up. Dedicated claim assistance for super top-up policy holders.
Single claim form for both base policy and super top-up claims. Real-time claim status tracking for both policies simultaneously. Emergency cash advance facility for immediate requirements. Home visit for claim documentation collection for senior citizens. Grievance redressal mechanism with priority processing. Claim settlement within 7 working days after document submission. Transparent communication about deductible utilization and coverage status.
Lifetime renewability ensuring continuous coverage regardless of age or claims. No claim bonus increasing sum insured by 5-10% annually for claim-free years. Cumulative bonus protection ensuring no loss of bonus after claim. Automatic renewal with grace period for premium payment. Portability option to switch insurers without losing benefits. Renewal discount for long-term policy holders. Guaranteed renewal without medical underwriting for existing customers.
Premium stability with minimal increases at renewal. Coverage enhancement options at renewal without fresh underwriting. Restoration benefit renewal after claim settlement. Multi-year policy option with fixed premium for 2-3 years. Loyalty rewards for continuous renewal with same insurer. Senior citizen special renewal plans with enhanced coverage. Family expansion options at renewal for new family members.
24/7 customer support through dedicated super top-up helpline. Multi-lingual support for customers across different regions. Dedicated relationship managers for high-value policies. Hospitalization assistance and network hospital coordination. Policy document access through mobile app and customer portal. Premium payment reminders and renewal assistance. Tax certificate issuance for insurance premium claims.
Health advisory services for preventive care and wellness. Deductible tracking and utilization reports. Claim history and coverage analysis. Portability assistance for switching from other insurers. Family coverage optimization advice. Emergency medical assistance during travel. Online premium calculator and coverage planning tools.
Why Choose Our Super Top-up Insurance
Get high sum insured coverage up to ₹1 crore at significantly lower premiums compared to base health insurance. Perfect for catastrophic medical expense protection while keeping insurance costs affordable and manageable for your budget.
Choose from various deductible options ranging from ₹1 lakh to ₹10 lakhs based on your base policy and risk appetite. Cumulative, individual, and family deductible options available for customized protection.
Complete protection for hospitalization, pre-post hospitalization, day-care treatments, and modern medical procedures. Coverage for critical illnesses, maternity, and alternative treatments with extensive network hospital access.
Integrated claim process with base health insurance. Cashless facility at 10,000+ hospitals, quick approvals, and digital claim submission. Dedicated assistance and transparent tracking for hassle-free claim experience.
