Super top-up
Extra health cover that pays once all your bills in a year cross a set deductible.
A super top-up adds a layer of health cover above a deductible that is counted across the whole policy year. Once the year’s bills cross it, the super top-up pays, up to its own cover. See the rupee example in super top-up vs top-up health insurance.
Questions people ask
What is a super top-up in health insurance?
It is extra health cover that starts paying once your covered bills in a policy year add up past a set amount, called the deductible. Because it skips the first part of the bills, its premium is usually much lower than raising your base cover.
What is the difference between a top-up and a super top-up?
A top-up usually checks each hospital bill alone against the deductible. A super top-up usually adds up all bills in the year. Names are not standard, so read how the policy wording applies the deductible.
Does a super top-up replace a base health policy?
Not on its own. Bills below the deductible are yours to pay unless a base or employer policy covers them, which is why the two are usually layered.
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