Policy snapshot
A health insurance plan that activates above a chosen deductible for a single large hospitalisation.
What is Top-Up Health Insurance Plan?
A Top-Up Health Plan provides additional coverage for hospitalisation costs that exceed a specified per-claim deductible.
What can it cover?
- Coverage beyond per-claim deductible
- Ideal for single large hospitalisations
- Works with existing base or employer health cover
Who should consider it?
- Individuals with some existing coverage but wanting extra protection for large claims
Key features to understand
- Higher cover at relatively low incremental cost
- Customisable deductible 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.
Frequently asked questions
Top-up works per claim, while super top-up looks at total expenses in a year above deductible.