Super Top-Up Health Insurance Premium Chart: Plans, Insights

Quick Overview

A super top-up health insurance premium chart is a table that shows the cost of the policy based on age, sum insured, and the chosen aggregate deductible (the amount you pay before coverage begins).

Each insurance company in India is required to submit these charts to IRDAI, detailing age bands, sum insured slabs, location/zones, and other policy specifications.

Using a super top-up premium chart is one of the most powerful ways to understand pricing, compare coverage efficiency, and plan long-term health insurance costs.

If you’re looking at super top-up plans and want to understand how premiums change with different coverage amounts and deductibles, a super top-up health insurance premium chart is the easiest way to compare options.

In this article, we explore 5 popular super top-up plans along with their premium chart. We also highlight key insights that help you choose a super top-up plan.

Top 5 Super Top-Up Health Insurance Plans PDF

Before we proceed, please note that the premiums mentioned in any super top-up health insurance premium chart are illustrative in nature and can vary based on your medical history and the insurer’s underwriting process.

1) Care Supreme Enhance

Care Supreme Enhance is a good option for those who want very high coverage over their base plan with a strong set of features.

Premium Chart Link: Care Supreme Enhance Rate Chart
Sum Insured Options: ₹45 lakh – ₹95 lakh
Aggregate Deductible Range: ₹5 lakh – ₹15 lakh
Features: Offers unlimited restoration and a 10% bonus each year up to 100%; road ambulance is covered up to the sum insured.

2) HDFC Ergo Medisure Super Top-Up

HDFC Ergo Medisure Super Top-up plan is a reliable pick for those who want simple terms, predictable pricing, and long-term stability from a large insurer.

Premium Chart Link: HDFC Ergo Medisure Prospectus (Page 17)
Sum Insured Options: ₹5 lakh – ₹20 lakh
Aggregate Deductible Range: ₹4 lakh & ₹5 lakh
Features: After age 80, 10% co-pay applies; no limit on room rent, no disease sub-limits; Critical Illness and Hospital Cash add-ons available.

3) Niva Bupa Health Recharge

The Niva Bupa Health Recharge plan is well-suited for buyers who prefer digital-first service, faster onboarding, and minimal complexity in plan structure.

Premium Chart Link: Niva Bupa Health Recharge Premium Chart
Sum Insured Options: ₹7.5 lakh – ₹95 lakh
Aggregate Deductible Range: ₹3 lakh – ₹10 lakh
Features: No copay; single private room; covers daycare, domiciliary hospitalization; Personal Accident Cover and Critical Illness Cover add-ons available.

4) Aditya Birla Super Health Plus

Aditya Birla Super Health Plus is a good option for users who value preventive care benefits alongside high-value backup coverage.

Premium Chart Link: Aditya Birla Super Health Plus PDF
Sum Insured Options: ₹3 lakh – ₹95 lakh
Aggregate Deductible Range: ₹1 lakh – ₹15 lakh
Features: No room rent limit; covers domiciliary hospitalization; includes 30 days pre- and 60 days post-hospitalization expenses.

5) ICICI Lombard Activate Booster

ICICI Lombard Active Booster is ideal for people aiming to create a very high health cover with flexible add-ons for customisation. One of the most comprehensive super top-ups in the market.

Premium Chart Link: ICICI Lombard Activate Booster Rate Chart
Sum Insured Options: ₹10 lakh – ₹3 crore
Aggregate Deductible Range: ₹3 lakh – ₹20 lakh
Features: Covers daycare, domiciliary hospitalization, and bariatric surgery (under strict medical conditions); optional add-ons include claim protector, jumpstart, deductible reduction, and room modifier.

CTA

How to Download a Super Top-Up Health Insurance Premium Chart

Visit the Insurer’s Website

Go to the official website of insurers such as Star Health, National Insurance, or Care Health Insurance.

Locate the Downloads Section

Start by navigating to the “Downloads” section on the insurer’s website.

Find the Super Top-Up Plan Details

Within Downloads, look for “Super Top-Up” plans under options like Product Brochure or Prospectus. The rate charts are either included within the prospectus or provided separately under headings like “Rate Chart” or “Premium Chart.”

Open the Prospectus

Click on the download icon. Most super top-up health insurance premium chart documents are either separate or attached at the end of the Prospectus.

Below are some references on how to download a Super Top-Up Health Insurance Premium Chart from HDFC ERGO’s website.

Benefits and Drawbacks of Super Top-Up Plans

Benefits	Drawbacks
Cost-Effective: Significantly cheaper than buying a large base policy. Ideal for families or individuals wanting protection against major medical expenses.	Deductible Requirement: You must pay the initial threshold (deductible) from your base policy or out-of-pocket before the super top-up activates. Small claims below this limit are not covered.
Aggregated Claims Coverage: Can cover multiple small claims cumulatively once the deductible is crossed, helping manage recurring medical expenses over the year.	Limited Use for Small Claims: Not designed for frequent minor hospitalizations unless aggregated; small claims below the deductible remain out-of-pocket.
Tax Benefits: Premiums are eligible for deduction under Section 80D (old regime).	Stricter Underwriting: Since insurers collect lower premiums for potentially large payouts, they closely scrutinize medical history and health conditions.

Super Top-Up Health Insurance Premium Comparison

Below is a premium comparison between a ₹10 lakh Base Sum Insured (SI) and a ₹90 lakh Super Top-Up SI with a ₹10 lakh aggregate deductible for residents of Delhi (Pin code: 110010).

The table shows premiums for different profiles and ages across popular health insurance combos: Care Health Combo (Care Supreme + Supreme Enhance) and Aditya Birla Combo (Activ One MAX + Super Health Plus).

Profile & Age(s)	Care Health Combo (Care Supreme + Supreme Enhance)	Aditya Birla Combo (Activ One MAX + Super Health Plus)
Individual (Age 25)	₹11,566 + ₹2,238 = ₹13,804	₹7,964 + ₹2,317 = ₹10,281
Floater 2A (31, 32)	₹15,428 + ₹2,663 = ₹18,091	₹12,525 + ₹3,584 = ₹16,109
Floater 2A 1C (35, 34, 5)	₹19,318 + ₹2,811 = ₹22,129	₹16,544 + ₹4,266 = ₹20,810
Floater 2A (62, 63)	₹56,234 + ₹9,267 = ₹65,501	₹50,707 + ₹23,506 = ₹74,213

Note: Premiums shown include mandatory add-ons and are indicative. They are subject to change based on medical history and insurer underwriting.

Things to Know Before Choosing a Super Top-Up Plan

Deductible Choice: Set your deductible equal to your current base policy (e.g., if you have ₹5 Lakh office insurance, pick a ₹5 Lakh deductible). Choosing a higher deductible reduces your premium, but you may end up paying more from your own pocket if your base coverage doesn’t match it.
Same Insurer Advantage: It’s best to keep both the base and super top-up policies with the same insurer, as claims can become complicated if two insurers are involved.
Underwriting Considerations: The rates in the super top-up health insurance premium chart are base rates. Individual lifestyle habits or pre-existing diseases may affect the final premium.
Floater vs. Individual with STU: A super top-up is particularly effective for families because it aggregates multiple smaller claims to hit the deductible faster. However, for individuals, it may only be necessary if you anticipate a single, high-cost medical event.
Not a Base Plan Replacement: Your base plan pays from rupee one. The super top-up pays only after the aggregate deductible is crossed. Hence, it cannot replace your base policy.
Start with Adequate Base Cover: A ₹10–₹15 lakh base plan works well for most people. Add a super top-up later for extra cover, if needed.
One Comprehensive Plan vs. Multiple Plans: A comprehensive base plan with strong restoration and bonuses is much simpler than managing multiple policies.

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Conclusion

A super top-up health insurance premium chart helps you compare plans and get high coverage at a low cost. Consider your age, medical history, budget, family size, and coverage needs. Match these with your base cover and deductible to find the best value-for-money option. But the chart alone isn’t enough; your base policy, plan features, and the insurer’s performance matter too. Similar premiums can still lead to very different claim experiences.

Disclosure: The information in this article is sourced from publicly available sources and is for informational purposes only. This should not be treated as personalized advice. Always read the policy brochure carefully and consult a licensed advisor before purchasing.

Some insurers featured in this article are Ditto’s partner insurers: HDFC ERGO, Care Health, Aditya Birla Health, and ICICI Lombard. For details on our process, partnership policy, and disclaimers, please refer to Ditto’s Cut.

Frequently Asked Questions

What is a super top-up health insurance premium chart, and why should I use it?

A super top-up health insurance premium chart shows how much you’ll pay based on age, sum insured, and deductible. It helps you compare plans quickly, estimate long-term costs, and pick high coverage at a lower premium instead of upgrading your base policy.

Does the super top-up health insurance premium chart change every year?

The chart itself doesn’t change yearly, but your premium increases as you move into a higher age band. Insurers may also revise rates periodically for their overall customer base. Always check the latest super top-up health insurance premium chart before renewing or buying a new policy.

Is there a medical test required for these plans?

For most people under 45–50 with no health issues, insurers usually don’t ask for medical tests. If you’re older, have pre-existing conditions like diabetes or hypertension, or opt for a very high sum insured, medical tests are typically required to assess risk before policy issuance.

Why do premiums vary across insurers in a super top-up health insurance premium chart?

Premiums vary due to incurred claim ratios, underwriting rules, benefits, co-pay clauses, coverage terms and other factors. That’s why the super top-up health insurance premium chart of each insurer looks different, even for the same age, sum insured, and deductible combination.

Should I pick cheaper options on the super top-up health insurance premium chart?

Not always. The cheapest super top-up health insurance premium chart option may have higher deductibles, room rent limits, or a low sum insured amount. Don’t look at price alone. Check the coverage, claim experience, features, add-on flexibility and overall performance.

Last updated on: 22 Feb, 2026