The main distinction between the top up health insurance plan and the super top up health insurance plan is that a Super Top-up insurance provides with a cover for the whole hospitalization medical bills which is over the standard threshold limit, meanwhile on the other hand, a top-up insurance only offers coverage against only one single admission claim that is over the limit of the threshold (That is the Deductible amount).

However, to understand the differences between the two, we have to understand each one of them at a time.

Top Up Health Insurance

A top-up health policy offers you extra health insurance cover. This extra health cover is offered on a basis of per claim. You can enjoy the benefits of the cover amount under such a policy only under one condition. That condition is that the amount to be claimed is exceeding the cover amount of the base health plan.

Let’s take an example. Let’s assume that you have a baseline health insurance policy that has a cover amount of Rupees 5 lakhs. Along with this, you have a top-up policy which has a coverage amount rupees 7 lakhs. Now let’s say your hospital bill arrived and you made a claim of rupees 5 lakhs under your based health plan. Now, you also need to make another claim whose amount is around rupees 3 lakhs. In such a case, it is not possible to file a claim that falls underneath your top-up plan. Why so? Because the claim amount that you have made the second time is below the cover amount of your base plan.

Let’s say you have a base health insurance plan with a sum insured of ₹5 lakhs and a top-up health insurance plan with a sum insured of ₹7 lakhs. If you have already made a claim of, say, ₹5 lakhs on your base health insurance plan but subsequently need to file another claim amounting to ₹3 lakhs, you cannot file a claim under your top-up plan since the amount of the second claim is below the sum insured of the base plan.

It is imperative to make a note of one important thing. Top-up policies cover only one single claim.

Super Top Up Health Insurance

A Super Top-up Insurance policy functions on the norm of collective claims. This means, it permits you to make the filing of more than one claim. 

Let’s go back to our previous example. This time, let’s say you have a base health insurance plan with a sum insured of ₹5 lakhs and a super top-up health insurance plan with a sum insured of ₹7 lakhs.

In such a case, the super top-up policy will cover all the hospitalization expenses. However, this can be done only after the policy holder pays the deductible. What this means is that when the entire permissible claims exceed the deductible limit or border, this policy, which is your super top up policy, gets automatically active for any successive claims.