Boost Your Health Cover Without Breaking Your Budget
Super Top Up Health Insurance enhances your overall health coverage at a relatively low premium. Once your total medical expenses in a year cross the selected deductible, the super top up policy takes over and pays the remaining eligible costs. It’s an efficient way to increase your sum insured, especially when basic health cover is not enough to handle major or multiple hospitalisations.
High sum insured options at affordable premiums
Covers multiple claims in a policy year after deductible is crossed
Works over and above existing health policies or corporate cover
Flexible deductible choices to match your budget
Can be taken individually or for the entire family
Frequently Asked Questions
How does a super top up policy work?
It activates once your total medical expenses in a year exceed the chosen deductible.
Do I need a base health policy to buy a super top up?
It’s strongly recommended; the base policy handles smaller claims, super top up covers larger amounts.
Can the deductible be from my employer’s group health cover?
Yes, in many cases claims paid by group policies count towards the deductible, subject to terms.
Is the deductible applied per claim or per year?
For super top up, the deductible is usually applied on an aggregate (per year) basis.
Can I increase my deductible to reduce premium?
Yes, higher deductibles generally mean lower premiums, but ensure affordability of that amount.
Does the super top up cover pre-existing diseases?
Often yes, after a waiting period; conditions vary by insurer and plan.
