Policy snapshot
A high-sum health plan that activates once the deductible is crossed, ideal for boosting existing health insurance.
What is Super Top-Up Health Plan?
A Super Top Up Health Plan offers additional medical cover beyond a specified deductible. Once total admissible expenses in a policy year cross the deductible, the super top up plan starts paying up to the chosen sum insured.
What can it cover?
- Inpatient hospitalisation costs above the deductible
- Coverage for multiple hospitalisations in a single year
- Pre and post hospitalisation as per plan
- Day care procedures and covered treatments
Who should consider it?
- Individuals who already have a base health or group policy
- Employees covered by employer schemes but needing additional protection
- Families wanting large sum insured without very high premium
Key features to understand
- High sum insured at comparatively low premium
- Works in combination with base health insurance
- Protects against large or repeated medical expenses
- Flexible deductible and sum insured options
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.