Base Policy vs Super Top-up Health Insurance: Save 60% on Family Floater Coverage

A Super Top-up plan provides high-value health coverage with a deductible threshold. The deductible is the initial amount of medical expenses in a policy year that must be paid either out of pocket or by your base insurance policy before the super top-up kicks in.

Unlike a regular Top-up plan (which calculates deductibles per single hospital stay), a Super Top-up tallies cumulative medical bills across the entire policy year. Once total claims exceed your deductible limit (e.g. ₹5 Lakh), the super top-up policy pays all subsequent hospitalization claims up to its sum insured (e.g. ₹50 Lakh).

Health insurance premiums paid for self, spouse, and dependent children qualify for deductions up to ₹25,000 under Section 80D. An additional deduction of ₹25,000 (or ₹50,000 if parents are senior citizens above 60) is available for health insurance premiums paid for parents.