Normal Insurance
₹50 Lacs Coverage
Costs almost
₹25,000/yr
Get the best onon your health insuranceSuper Top-up
Learn more about
super top-up
With Super Top up
₹50 Lacs Coverage
Costs almost
₹5,000/yr
With 3L deductible
₹18,000 less
With Super Top up: ₹50 Lacs Coverage for ₹5,000/yr — ₹18,000 less.
Why choose us for this?
Have your family covered
at a much lower cost
Never compromise on your
Choice of Hospital for treatment
15,000+ Hospitals included
Everything laid out in a
Clear and Transparent way
Issued directly by the insurer,
in your name
Okay but
How does this Work?
Tell us your
requirementsSelect deductible
amount to paySelect best plan, fill details & purchase
Pay deductible and claim effortlessly
Things you should
Keep in mind
Super Top-Up is NOT a standalone policy. You need an existing base cover.
Premiums depend on your age, family size, and chosen coverage amount
The 'deductible' is the amount your base policy covers. Generally ₹3L or ₹5L
Claims are processed by the insurance company, not CashKaro.
Pre-existing conditions typically have a 2-4 year waiting period.
Policies are renewable annually. Premiums may change at renewal.
Got any Questions?
What exactly is a Super Top-Up plan?
A super top-up health insurance plan is a secondary policy that covers medical costs when your total combined bills in a single year go over a set limit, called a deductible.
How is it different from a top-up plan?
The main difference between a regular top-up plan and a super top-up health insurance plan is how the deductible (the threshold amount you or your base policy must pay before the plan kicks in) is calculated across hospitalizations. A regular top-up plan applies the deductible to each individual hospital bill separately, whereas a super top-up plan adds up (aggregates) all medical bills incurred throughout the entire policy year.
Can I use this with my employer health insurance?
Yes, you can absolutely use either a top-up or a super top-up plan along with your employer’s health insurance. In fact, this is one of the smartest and most cost-effective ways to increase your health coverage without paying a massive premium.
What does 'deductible' mean?
In health insurance, a deductible is a fixed amount of money that you must pay out of your own pocket (or through a separate base insurance policy) before your secondary or top-up insurance plan starts paying for your medical expenses. Think of it as a minimum threshold or an entry barrier. Until your hospital bills hit this specific amount, the top-up insurance company will not pay a single rupee.
Do I need medical tests?
Whether you need to undergo pre-policy medical tests to buy a health insurance or super top-up plan depends entirely on your age, medical history, and the coverage amount you choose.
Who issues the policy?
Health insurance policies and top-up plans is issued by Care Health Insurance, which is heavily regulated by the government. In India, the apex governing body that licenses this company and protects policyholder rights is the IRDAI (Insurance Regulatory and Development Authority of India).
Life is already stressful
Avoid unexpected hospital bills
Premiums starting from
₹99 per month