Policy snapshot
A super top-up plan for the entire family that activates once combined yearly medical expenses cross a chosen deductible.
What is Family Floater Super Top-Up Health Plan?
Family Floater Super Top-Up Health Plans provide high-value coverage beyond a deductible for all covered family members together.
What can it cover?
- Floater cover for family above deductible
- Multiple claims in a policy year counted towards deductible
- Works with base family floater or employer policy
Who should consider it?
- Families who want a large buffer against very high medical costs
- Households that already have base health or group cover
Key features to understand
- High coverage at reasonable cost
- Protects against multiple or large hospitalisation events
What deserves attention before you buy?
Coverage, exclusions, sub-limits, deductibles, waiting periods, warranties and underwriting can vary between insurers and policy versions. The policy wording and schedule remain the definitive contract. Novo can help you review the relevant terms for your requirement.
Read the wording, not just the brochure
The schedule and policy wording determine the actual contract.
Compare meaningful differences
Look at exclusions, limits, deductibles, conditions and claim requirements—not premium alone.
Think beyond purchase
Servicing and claims-related support can matter as much as placement.
Frequently asked questions
No, in a floater super top-up it usually applies on combined admissible expenses for all covered members in the year.