About Top-Up & Super Top-Up Plans
Loanpao’s Top-Up and Super Top-Up Plans provide additional health coverage beyond your existing insurance, ideal for high medical expenses. These plans offer high sum insured at low premiums, with cashless treatment at over 10,000 network hospitals and flexible deductibles to suit your needs.
Why Choose Top-Up & Super Top-Up Plans?
- Coverage: ₹5 lakh to ₹1 crore (above deductible)
- Premium: Starting at ₹2,000/year for ₹10 lakh coverage
- Deductible: ₹1 lakh to ₹10 lakh (amount you pay first)
- Cashless Treatment: At 10,000+ network hospitals
- Tax Benefits: Under Section 80D (up to ₹25,000)
- No Claim Bonus: Up to 50% sum insured increase
- Pre/Post-Hospitalization: 30/60 days coverage
Are You Eligible?
| Criteria | Requirement |
|---|---|
| Applicant Type | Indian resident or NRI |
| Age | 18 to 65 years (entry age, varies by plan) |
| Existing Policy | Active health insurance with minimum ₹1 lakh coverage |
| Health | Declaration of good health; medical test if required |
| Bank Account | Active savings account for premium payment |
What Documents Do You Need?
- KYC: Aadhaar, PAN, or passport
- Existing Policy: Copy of current health insurance policy
- Age Proof: Birth certificate, voter ID, or passport
- Address Proof: Utility bill or rental agreement
- Medical Reports: If required by insurer
- Passport-size photographs
Competitive Premium Rates
| Insurer | Coverage Amount | Annual Premium (₹10 lakh coverage, ₹3 lakh deductible, age 40) |
|---|---|---|
| Star Health | ₹5 lakh - ₹1 crore | ₹2,500 - ₹4,000 |
| HDFC ERGO | ₹5 lakh - ₹50 lakh | ₹2,200 - ₹3,800 |
| ICICI Lombard | ₹5 lakh - ₹25 lakh | ₹2,400 - ₹3,900 |
| Max Bupa | ₹5 lakh - ₹1 crore | ₹2,300 - ₹3,700 |
| Apollo Munich | ₹5 lakh - ₹50 lakh | ₹2,500 - ₹4,000 |
Extra Charges:
- GST: 18% on premiums
- Medical Test Fees: ₹1,000 - ₹5,000 (if applicable)
- Policy Administration: ₹50 - ₹200/month
Note: Premiums vary based on coverage amount, deductible, age, and add-ons. Rates are indicative as of May 2025 and subject to change.
Calculate Your Premium
How to Apply for Top-Up & Super Top-Up Plans
- Visit loanpao.in or contact our insurance partners.
- Compare plans from top insurers like Star Health, HDFC ERGO, or Max Bupa.
- Select coverage amount and deductible based on your existing policy.
- Fill out the application form with personal and health details.
- Submit KYC, existing policy copy, and medical reports (if required).
- Pay the premium online or via bank account.
- Receive policy document within 7-15 days.
Common Questions About Top-Up & Super Top-Up Plans
What are Top-Up & Super Top-Up Plans?
Plans that provide additional health coverage beyond your existing insurance, activated after a deductible is met.
What is a deductible?
The amount you pay out-of-pocket or through your primary policy before the top-up plan covers expenses.
Who can apply?
Individuals aged 18-65 with an existing health insurance policy of at least ₹1 lakh.
What is the difference between Top-Up and Super Top-Up?
Top-Up covers a single claim above the deductible, while Super Top-Up covers cumulative claims above the deductible in a year.
Are there tax benefits?
Premiums qualify for tax deduction under Section 80D (up to ₹25,000).
What is a No Claim Bonus?
An increase in sum insured (up to 50%) for claim-free years.
Can I use it with any health policy?
Yes, as long as your existing policy meets the minimum coverage requirement.