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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. 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.
Get a super top-up quoteHigher cover · Above a fixed deductible · Cover for your 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: in general, a super top-up can add up eligible claims in the policy year against one deductible, while an ordinary top-up judges each claim on its own. The exact rule for your plan is in the insurer’s policy terms.
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
Usually applies one deductible to claims combined
In general, adds up eligible claims in the policy year against a single deductible, which can help if you face more than one hospitalisation in a year. The exact rule is in the insurer’s policy terms.
How a super top-up works
01
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.
02
The deductible is set by the policy
Whether the deductible applies to each claim or to all claims in the year depends on the insurer’s policy terms. Check the policy wording before you buy.
03
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.
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)
₹5,00,000
Super top-up pays (everything above the deductible)
₹7,00,000
Total year’s claims covered
₹12,00,000
In general, a super top-up can count both claims together, so the ₹4,00,000 and ₹8,00,000 may combine to cross the ₹5,00,000 deductible, with everything above it paid. An ordinary top-up may judge each claim on its own, in which case neither would clear the deductible alone. The exact rule is in the insurer’s policy terms.
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.
Built for large bills
A super top-up is designed for the rare, expensive hospitalisation. In general, a super top-up can add up claims over the year, while an ordinary top-up tests each claim on its own. How the deductible applies on your plan is set by the insurer’s policy terms.
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.
Claims help from our team
When a bill crosses the deductible, the cover is coordinated with your base plan. Whether a claim can be settled cashless at the top-up stage is set by the insurer’s policy terms. Check the policy wording before you buy.
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. In general, a super top-up can add up eligible claims in the policy year against one deductible, so several smaller claims may count towards it. The exact rule is in the insurer’s policy terms.
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. Whether the insurer can pay the hospital directly at the top-up stage is set by the policy terms, so check the policy wording before you buy. Onsurity’s claims team helps you through the process.
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 quoteHigher cover · Above a fixed deductible · Cover for your family