Health Insurance

Super Top-Up & Critical Illness Insurance

Raise your health cover at low cost with a super top-up, and add a lump sum that pays on diagnosis of a serious illness.

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Super top-up paysAbove a yearly deductible

Super top-up pays: Above a yearly deductible
Critical illness pays: Lump sum on diagnosis
Tax benefit: Sec 80D (old regime)*
Works with: Base or employer cover

Two ways to strengthen your health cover

Medical costs keep rising, and a single serious illness can exceed what a typical base policy pays. Two products help close that gap without a large jump in premium:

Super top-up: an indemnity policy that pays hospital bills above a yearly deductible.
Critical illness (CI): a fixed-benefit policy that pays a lump sum on diagnosis of a listed serious illness.

They solve different problems, and many families end up holding both.

How a super top-up works: an illustration

Suppose you have a ₹5 lakh family floater and add a ₹20 lakh super top-up with a ₹5 lakh deductible (all figures illustrative, ignoring co-payments and limits).

Hospital bills in the year	Base policy pays	Super top-up pays
₹3 lakh, one admission	₹3 lakh	Nil
₹4 lakh + ₹4 lakh, two admissions	₹5 lakh	₹3 lakh
₹18 lakh, one admission	₹5 lakh	₹13 lakh

The deductible works most smoothly when it matches your base cover, so the two policies hand over neatly. If your base cover is from your employer, think about what happens when you change jobs.

How critical illness cover works

A CI policy pays its full sum insured once a covered illness is diagnosed and meets the policy definition, generally after a survival period set out in the policy. The money is yours to use: treatment in another city, EMIs while you recover, or replacing lost income. Many stand-alone CI policies end once the payout is made.

Because the benefit is not linked to bills, CI works alongside mediclaim rather than replacing it. Size it around the income you might lose — often a year or more of earnings — rather than expected hospital costs.

Things to compare before you choose

Deductible level and how it fits your base or employer cover
List of illnesses covered and their severity definitions
Survival period and initial waiting period for CI
Pre-existing disease waiting periods in both policies
Room-rent limits and co-payment in the super top-up
Whether CI is stand-alone or a rider, and until what age it runs

Our team compares plans from multiple insurers, helps you match the deductible to your existing cover, takes care of disclosures and paperwork, and coordinates claims across your base and super top-up insurers.

Who is it for?

Salaried employees with modest group health cover who want a larger safety net
Families whose base floater could be used up by one major hospitalisation
Earners with dependants who want an income buffer if a serious illness stops them working
People with a family history of heart disease, cancer or stroke who want cover in place early

Key features

Aggregate deductible

A super top-up starts paying once your total hospital bills in a policy year cross the deductible, whether they come from one admission or several.

Large cover for a smaller premium

Because the insurer pays only above the deductible, a super top-up typically costs far less than raising your base policy by the same amount.

Lump sum on diagnosis

A critical illness policy pays a fixed amount on first diagnosis of a listed illness, whatever the actual hospital bills. You decide how to use it — treatment, EMIs or household costs.

Standard illness definitions

IRDAI has standardised definitions for many common critical illnesses, such as cancer of specified severity and a first heart attack, which makes comparing plans fairer.

Stand-alone policy or rider

Critical illness cover is available as a separate health policy or as a rider on a term plan. Definitions, payout terms and how long the cover lasts can differ between the two.

How Ramasure helps

1
Review your existing cover
Your relationship manager looks at your base policy, employer cover and savings to set a sensible deductible and the size of the gap to fill.
2
Compare across insurers
We compare super top-up and critical illness plans from multiple insurers on deductible terms, illnesses covered, survival period, waiting periods and room-rent rules.
3
Proposal and e-KYC
We help you complete the proposal with full medical disclosures, arrange any medical tests and finish e-KYC.
4
Claims coordination
For hospital claims, we help coordinate between your base insurer and the super top-up insurer; for critical illness, we help assemble the diagnosis reports and file the claim.

Documents & eligibility

Documents you'll need

PAN card
Aadhaar or other address proof
Age proof for each person to be covered
Details of existing health policies, including employer cover
Medical history and reports for existing conditions
Bank details for premium and claim payouts

Costs and risks to understand

Costs to check

Super top-up premium depends on deductible, sum insured, ages and city; a higher deductible means a lower premium
Critical illness premium depends on age, cover amount, illnesses covered and health history
Expenses up to the deductible are yours to bear unless another policy pays them
*Premiums qualify under 80D of the earlier Act only in the old regime; a CI rider adds to the term plan's premium instead

Risks & things to know

If employer cover ends and you have no base policy, the whole deductible becomes your own cost
Critical illness pays only for listed conditions that meet the policy's severity definitions
Most critical illness plans have an initial waiting period and pay only if you survive a stated period after diagnosis
Room-rent limits, co-payment and waiting periods in a super top-up can reduce claims just as in a base policy
Insurance is the subject matter of solicitation. Please read the policy wording carefully before buying.

Frequently asked questions

A top-up applies the deductible to each claim separately, so several smaller bills in a year may never trigger it. A super top-up adds up all eligible claims in the policy year and pays once the total crosses the deductible. Check which type you are buying, because the names are sometimes used loosely.

Yes, a super top-up does not require a base policy from the same insurer, or any base policy at all. Without one, though, you pay everything up to the deductible yourself. Most people pair it with an individual policy or employer cover that roughly matches the deductible.

Health insurance reimburses hospital bills, while critical illness cover pays a fixed sum on diagnosis that you can spend as you like. A serious illness often brings costs a mediclaim does not cover, such as lost income, travel for treatment and home care. Whether you need it depends on your savings and how long your family could manage without your income.

Claim payouts under health insurance, including a critical illness lump sum, are generally not treated as taxable income. The premium can be claimed under 80D in the old regime. Check the current rules under the Income-tax Act, 2025, especially for riders attached to life policies.

Usually you claim under your base or employer policy first, then send the settlement letter and copies of bills to the super top-up insurer for the amount above the deductible. In some cases a cashless claim is possible for the excess. Our team helps coordinate both sides.

Important information

Insurance is the subject matter of solicitation. For details on risk factors, benefits, exclusions and terms, read the sales brochure and policy wording carefully before concluding a sale.
Policies are underwritten and issued by the respective insurer. Ramasure does not underwrite risk, and claim settlement is at the insurer’s discretion as per policy terms.
In Unit Linked Insurance Plans (ULIPs), the investment risk in the investment portfolio is borne by the policyholder. Linked insurance products do not offer any liquidity during the first five years of the contract.
Waiting periods, sub-limits and co-payments may apply to health insurance. A free-look period is available on eligible policies, as per the policy terms.
Tax benefits, if any, are subject to the provisions of tax laws as amended from time to time.

Read all disclosures

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Questions about Super Top-Up & Critical Illness Insurance?

Tell us what you need. Your relationship manager will compare suitable options and walk you through every step.

Super Top-Up & Critical Illness Insurance

Two ways to strengthen your health cover

How a super top-up works: an illustration

How critical illness cover works

Things to compare before you choose

Who is it for?

Key features

How Ramasure helps

Documents & eligibility

Costs and risks to understand

Frequently asked questions

More in Insurance Solutions

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Questions about Super Top-Up & Critical Illness Insurance?