The biggest difference between a Top Up Health
Insurance and a Super Top Up Health Insurance is the way they
calculate the deductible amount
In case of a Top Up medical insurance, each and every
hospitalisation is treated as a separate instance and
deductible is calculated for each of the instances.
In case of Super Top Up health insurance, as long as you
have reached your deductible limit in aggregate, the super top
up will pay.
For Example: You have a Deductible Limit of
Rs 2 Lakhs and you have 2 Hospitalization claims in a year.
First claim is for Rs 1 Lakhs and second one is for Rs 1.5
Lakhs. So, If you have a Top Up Health Insurance Plan you will
not be able to claim anything as each of your claim will be
treated separately. But in case of Super Top Up, the claims
will be seen in aggregate for a year and you will Rs 50,000
(2.5 Lakhs - 2 Lakhs) reimbursed.