Personal Insurance · Super Top-Up
Super Top-Up Health Insurance: more health cover, for a fraction of the premium
A super top-up sits above a fixed deductible and pays your hospitalisation costs beyond it — counting every claim in the year together. It lifts your total sum insured to a level a base plan alone would price out of reach, and it can cover your whole family.
What is a super top-up?
A super top-up is extra health cover that switches on once your claims cross a fixed threshold called the deductible. Below that threshold, your base cover or your own funds apply; above it, the super top-up pays hospitalisation costs up to its own sum insured.
The word super matters: a super top-up counts every eligible claim in the policy year together against one deductible, while an ordinary top-up judges each claim on its own. That single difference is what makes a super top-up the dependable, affordable way to raise your protection.
Ordinary top-up vs super top-up
Same idea, one crucial difference in how the deductible is counted.
Ordinary top-up
Applies the deductible to each claim
Pays only when a single hospitalisation on its own crosses the threshold. Several smaller claims in the same year may never trigger it.
Super top-up
Applies one deductible to all claims combined
Adds up every eligible claim in the policy year against a single deductible — far more dependable if you face more than one hospitalisation in a year.
How a super top-up works
Your base cover absorbs the first slab
The deductible is the threshold the super top-up sits above. It can be met by an existing base health policy, by accumulated claims across the year, or by you paying that first slab.
Claims accumulate against one deductible
Every eligible claim in the policy year adds up towards the single annual deductible — so several smaller hospitalisations count together, not separately.
The super top-up pays everything above it
Once your claims cross the deductible, the super top-up covers hospitalisation costs beyond it, up to its own sum insured — coordinated with your base plan and settled cashless where available.
A worked example
Suppose you have a ₹5,00,000 base cover plus a ₹15,00,000 super top-up with a ₹5,00,000 deductible. Over the year you face two hospitalisations — ₹4,00,000 and then ₹8,00,000, totalling ₹12,00,000.
Deductible met first (base plan / accumulated claims)
Super top-up pays (everything above the deductible)
Total year’s claims covered
Because a super top-up counts both claims together, the ₹4,00,000 and ₹8,00,000 combine to cross the ₹5,00,000 deductible, and everything above it is paid. An ordinary top-up would have judged each claim on its own — neither would clear the deductible alone, leaving you exposed.
Figures are illustrative to explain the mechanic. Actual deductible and sum-insured options, and the exact terms, are governed by the policy wordings issued by the IRDAI-regulated insurer.
Why people choose a super top-up
High cover, low premium
Because a super top-up only pays claims above the deductible, its premium is a small fraction of what the same increase in a base plan would cost — the most efficient way to reach a high total sum insured.
Every claim counts together
Unlike an ordinary top-up that judges each hospitalisation on its own, a super top-up adds up all your eligible claims in the policy year against one deductible — so smaller claims accumulate towards it.
Covers your whole family
A single super top-up can sit over the family, so a big hospitalisation for any covered member draws on the same high pool of cover.
Cashless at network hospitals
When a bill crosses the deductible, the cover is coordinated with your base plan and settled cashless at network hospitals — no advance payment, no reimbursement chase.
A buffer against medical inflation
Room rents and ICU costs keep climbing. A super top-up lifts your protection for the rare, expensive hospitalisation without paying the premium of a large base policy.
Managed in the app
Add cover, track claims and see exactly how your deductible and top-up work together — all from the Onsurity app, with a claims team to guide you.
Get clear before you buy
Short explainers on how top-up cover, deductibles and sum insured actually work.
Top-up & super top-up, explained
How the deductible works, with a worked ₹ example.
Open →Restoration vs super top-up
Two different ways to get more cover — and when each wins.
Open →What a deductible means
The threshold your super top-up sits above, in plain language.
Open →Sum insured, explained
How cover amounts are set and what they really mean.
Open →Super top-up for employers
Offering super top-up across a team, from a budget-holder’s view.
Open →Family+ health cover
One plan for your spouse, children and parents.
Open →Frequently asked questions
A super top-up is supplementary health cover that activates once your claims cross a fixed threshold called the deductible. It then pays hospitalisation costs above that threshold, up to its own sum insured — letting you raise your total protection affordably.
An ordinary top-up applies its deductible to each individual claim, so it pays only when a single hospitalisation crosses the threshold. A super top-up applies one deductible to the total of all claims in the policy year, so several smaller claims accumulate towards it. For most people, a super top-up is the more dependable structure.
Not necessarily. The deductible can be satisfied by an existing base policy (such as an employer group plan), by accumulated claims across the year, or by paying that first slab yourself. Many people pair a modest base cover with a super top-up so the deductible is comfortably covered.
Because the insurer only ever pays claims above the deductible, its risk is lower — so the premium is a fraction of what an equivalent increase in the base sum insured would cost. This lets you reach a much higher total cover without a much higher premium.
Yes. A super top-up can be arranged to cover your family, so a large hospitalisation for any covered member draws on the same high pool of cover. If you want one shared cover amount across the whole family, see how a family floater works.
When a bill crosses the deductible, the super top-up is coordinated with your base cover and, at network hospitals, settled cashless — the insurer pays the hospital directly. Onsurity’s claims team helps you through pre-authorisation and discharge so the deductible and payout are clear up front.
Raise your cover without raising your premium
Tell us your existing cover and who you want protected — we’ll show you how a super top-up lifts your total sum insured affordably.
Get a super top-up quoteOne annual deductible · Cashless at network hospitals · Cover for your family