insurance : A super top-up insurance plan is similar to a regular health plan in many aspects like covering the insured against hospitalization bills and medical expenses, but they are different in terms of coverage in starting. Super top-up coverage starts after your cumulative eligible medical expenses exceed the deductible limit mentioned in the policy. A cost-effective way to protect against future medical requirements and beat medical inflation could be going for a super top-up health insurance policy.

You have to pay for medical expenses up to a specific limit from your regular health policy to activate the super top-up policy which will then cover the excess amount up to the policy coverage limit. Super top-up policies come at a very low premium primarily owing to the deductible clause. Most of the health insurance companies allow cashless claim benefits on their super top-up policies.

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