Super top-up FAQs

What is a Super Top-Up

Super Top-Up (STU) is a retail policy that provides additional coverage over your existing health insurance policy. Super Top-Up allows you to increase your cover up to a limit of  ₹1 crore. (Coverage options are 20L, 50L, 1 crore).

It is an individual retail policy and always comes with a deductible( deductible options are ₹ 1,2,3,5 or 10 lakhs) 

What is a deductible?

Deductible refers to a fixed amount that needs to be exhausted first  (via their existing medical insurance policy or out of pocket) before the super top-up can kick in. 

Read more about how a deductible works here.

How does Super Top-Up work?

What are the advantages of buying Super top-up insurance?

• Your Super top-up remains with you even after you leave your company.

• You also get additional tax benefits under Section 80D.

Additionally, buying a super top-up cover is more cost-effective than paying a higher premium to increase your existing coverage.

Who is insurance provider for Super Top-Up?

Super Top-Up is provided by Care Insurance.

Is there a waiting period for Super Top-Up?

A 30-day waiting period from the policy start date is applicable on all treatments, except for injuries and accidents.

There is additionally is a 12-month waiting period for the following named illnesses/surgeries if diagnosed after the policy start date. 

 

What is the eligibility for purchasing a Super top-up policy?

Any member or their dependent with pre-existing diseases  will be ineligible for purchasing a Super Top-up policy. 

Existing diseases include diabetes, hypertension, obesity, cellulitis, coronary pulmonary issues, kidney related ailments, etc, which the person(s) have been suffering from before or at the time of policy purchase. 

Does the Super top-up cover have age limits?

Yes, the plan is available to individuals below the age of 75. Children should be between the ages of 91 days and 24 years.

How much does Super Top-Up cost?

The premium for Super top-up will be based on the age of the individual and the deductible opted for.

You need to buy individual super top-ups for each of your parents and pricing depends on the age of the parent.

Can I buy a Super top-up only for my parents?

Yes, parents (up to 75 years) can be covered in separate individual policies.

Understand all our different plan types in detail here.

Why should I buy a Super top-up for my parents?

As your parents get older, there is the possibility of rising healthcare costs. There is always a chance that your existing health insurance cover may not meet their healthcare expenses. A Super top-up can help enhance their existing health insurance cover (which they may have purchased in a personal capacity or may have obtained through your company’s insurance plan) if they don't have any pre-existing conditions.

What happens to my Super top-up if I leave my company?

Your super top-up policy remains active for one full year from the purchase date, irrespective of you leaving the company or your company discontinuing Plum.

Can I renew the Super Top-Up policy even after moving to a new job?

Yes, you can renew the Super Top-Up policy even after moving to a new job.

Can I add a Super top-up to avail maternity benefits?

No, super top-up does not cover maternity.

Can I add my new born child/ newly married spouse to my Super Top-Up

The option to add dependents to your family floater policy is available only at the time of purchasing or renewing the Super Top-Up policy.

Addition of dependents in the middle of the policy tenure is not allowed as per the protocols set at the insurers end. 

You can, however, reach out to Plum at the time of renewing your Super Top-Up; we shall assist you in getting your family members enrolled to your Super Top-Up policy. 

Does Super top-up cover AYUSH?

No, AYUSH treatments are not covered by Super top-up.

Does Super top-up cover same-sex or unmarried couples?

No, the policy doesn’t cover same-sex or unmarried couples.

How to claim my super top-up with a current insurance plan(group or individual)?

You will have to file two claims since you will utilize two policies. First, make sure that the deductible amount has been either exhausted through another policy or through out-of-pocket expenditure. Before raising the claim, reach out to us at [e-mail] for the best assistance and advice on using your super top-up policy.

 

What is the difference between a regular health insurance plan and a Super top-up plan?

Super top-up health insurance is an additional policy that works with your existing insurance policy.

It kicks in only when you have exhausted your deductible amount in your base policy (i.e. a regular health insurance plan).

What are the factors that will affect my Super top-up premium payable?

Your Super top-up premium payable is affected by factors such as your age, the plan (read more about plan types here), and the deductible (read more about deductibles here) that you’ve selected.

 

What if I want to upgrade, downgrade, or edit a floater plan?

To add, remove or edit details of a member post-purchase, reach out to  [e-mail]  for assistance.

- Read more about Super Top-up plan types here.
- Read more about Individual plans vs Floater plans here.

What if I entered incorrect details during the purchase?

If you need to correct a mistake that you’ve made during a purchase, reach out to  [e-mail]  for assistance.

Renewing a Super Top-Up plan:

I need to renew my plan but want to upgrade it, downgrade it, or modify it, what do I do?

Renewals depend on the policy — individual or floater (Read more about Individual plans vs Floater plans here).

- For an individual policy, you can either choose to renew it or choose to let it expire.

- For a floater policy, any edits will need to be routed through  [e-mail].  However, if you continue with the same floater policy where all details are accurate and as per the first-time purchase, you can proceed to renew via our website.