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Super Top-up Health Insurance

ACKO Platinum Super Top-up Health insurance that covers you from day one

✅ Zero waiting period ✅ Zero deductions at claim

Waiting period
Cashless hospitals
Bills covered

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At its peak, COVID-19 posed varied challenges. For instance, multiple members of the same family were hospitalised at the same time! Naturally, such a situation caused panic at multiple levels. From a financial standpoint, even those with a health insurance policy found it hard to meet the hospital expenses, as their policy’s sum insured was exhausted. This need not be the case all the time because a Super Top-up Health Insurance plan can come to the rescue.

Read ahead to know how ACKO’s Super Top-up Health Insurance Plan can help you during challenging times.

What is Super Top-up Health Insurance?
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A Super Top-up Health Insurance Plan, is a type of plan which you can purchase with or without a primary health insurance policy. All you need to do is set a deductible while buying a Super Top-up Plan. 

The deductible is an amount you must pay before your insurance plan starts covering your approved medical expenses. Then, at the time of claim, you must pay the hospital bill up to this deductible, and the Super Top-up Plan will cover the remaining claim amount. 

Deductibles can be paid by in three different ways:

Let's understand this with the help of an example. 

Super Top-up Example:
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Best friends James and Neha bought ACKO Platinum Super Top-up Health Insurance Plans for themselves and their dependents. 

In case of a future claim, James can claim up to Rs. 5 lakhs from his primary health plan and the balance amount from his Super Top-up plan if the expenses exceed the deductible. 

At the same time, Neha must pay Rs. 2 lakh out of her own pocket, and then claim the remaining amount from the Super Top-up plan; since she does not have an existing health plan. 

How does Super Top-up health insurance work?
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A Super Top-up health insurance plan offers benefits similar to a regular health insurance policy. It also covers treatment costs, ambulance charges, etc. The only difference is this plan can be used only when the expenses exceed the set deductible.

For example

Ms B bought a health insurance policy with a sum insured of Rs. 3 lakhs. It covered herself, her spouse, and one child. After some time, she realised that the base plan’s sum insured could be insufficient and decided to buy a Super Top-up Plan with a deductible of Rs. 3 lakh. This new plan offered a usable sum insured of Rs. 4 lakhs.

Unfortunately, the family got into a road accident, and all three members had to be hospitalised for multiple injuries. The hospital bill amounted to Rs. 5 lakhs. Here is how both the plans helped Ms B during the medical emergency.

Parameters Primary health insurance plan Super top-up plan
Sum insured Rs. 3 lakhs Rs. 4 lakhs
Claim honoured Rs. 3 lakhs Rs. 2 lakhs
Remaining sum insured Nil Rs. 2 lakhs

What are the benefits of buying ACKO Platinum Super Top-up Health Insurance Policy?
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The ACKO Platinum Super Top-up Health Insurance Policy can be purchased with your Individual or Family-floater Health Insurance Policy. You will get the following benefits of buying our Super Top-up Plan.

High sum insured
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You can choose between Rs. 25 lakhs, 50 lakhs, one crore, and unlimited sum insured. This way, you will always have a substantial and adequate sum insured with our Super Top-up health plan, should you ever need it. Hospitalisation costs won't be a concern for you because such a high coverage amount ensures that your out-of-pocket expenses are almost non-existent.

Useful add-ons included
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Add-ons are known to increase coverage, but they come at an additional cost. However, this is not true for the ACKO Platinum Super Top-up Health Insurance Policy. Useful add-ons like Non-medical expenses waiver, Room Rent Waiver, and Waiting Period Waiver are already a part of the policy.

Critical illness coverage
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The cost of treating or managing a critical illness like Kidney failure, Cancer, or a Heart attack can be exorbitant. Plus, you must buy a separate medical insurance plan if you wish to safeguard related expenses. But with a high sum insured of our Super Top-up Plan, such costs can be claimed easily. There is no need to spend more on buying a Critical Illness policy.

Coverage for multiple ambulance trips
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You may be responsible for renting an ambulance between your house and the hospital during a medical emergency. This is because insurers usually cover one trip per claim. However, we will pay for all such ambulance journeys for each instance of hospitalisation. The limit for ambulance expenses is up to the sum insured. Such a high limit will sufficiently cover hospital expenses and all the ambulance costs as well.

Domestic emergency evacuation coverage
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In a rare case when adequate medical facilities are unavailable locally, we can arrange transportation to a well-equipped hospital via a multi-speciality aircraft, road ambulance, or rail.

Who should opt for Super Top-up health insurance?
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Super top-up plans are the most beneficial to people that belong to high-risk groups. For example, people of the higher age group and those with a worrying medical history, especially critical illness. It is also useful where a specific medical condition is common in a family, like hereditary diseases. 

Buying Super Top-up Plans is also useful for people who have bought a health plan with a lower sum insured. It can prove to be insufficient in case of multiple medical events and may pose a financial risk if the sum insured gets exhausted. The Super Top-up ensures that a higher sum insured is available to cover the maximum cost of treatment.

Key features of ACKO Platinum Super Top-up Health Insurance
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ACKO Platinum Super Top-up Health Insurance Policy is an excellent way to secure your savings in case of a severe medical emergency. You will get the following features in this plan. Please go through the respective policy wordings for details.

Key features ACKO Advantage
Sum Insured Rs. 25L, Rs. 50L, Rs. 1 crore, Unlimited
Copay 0%
Room rent Up to sum insured
Pre-hospitalisation 60 days
Post-hospitalisation 120 days
ICU fees Up to sum insured
Consumables Up to sum insured
Option to add family members Available
Restore sum insured Unlimited
Post birth complications Up to sum insured
Cashless hospitals 7100+
Waiting period NA

Eligibility criteria for ACKO Platinum Super Top-up Medical Insurance plan
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The following factors will be taken into consideration while approving your application to buy our Super Top-up Plan.

Group Medical Coverage (If the policyholder is covered under ACKO Group Medical Cover (GMC), they can add the same dependents in our Super Top-up Plan.)



Inclusions in Super Top-up Health Insurance Plans
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Following are some of the inclusions of ACKO Platinum Super Top-up Health Insurance Policy.

Planned and emergency hospitalisation coverage

Multiple road ambulance trips

Emergency Evacuation coverage

Organ donation expenses

Restore sum insured

Exclusions in Super Top-up Health Insurance Plan
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Exclusions or things that are not covered under this plan are as follows.

Worldwide hospitalisation coverage

Undisclosed pre-existing diseases

Change-of-gender treatments

Sterility and infertility treatment

Cosmetic surgery (apart from accidents)

Dental treatment (apart from accidents)

Weight control surgery

Supplements and hormonal therapy

Eyesight correction (less than 7.5 dioptres)


Note: An exhaustive list of inclusions and exclusions is available in the policy wordings of our plan.

Role of Super Top-up Plans in senior citizen health insurance plans
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Senior citizens might suffer from long-term health issues and frequently need medical treatment. Under ACKO’s Super Top-up Health Insurance Plan, you can get coverage for your senior citizen parents if they are a part of your ACKO Group Medical Coverage (GMC), also known as Group Health Insurance. Thus, all the members insured under the GMC can avail of coverage under ACKO’s Super Top-up plan.

How to file a claim for a Super Top-up Health Plan
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It's pretty simple to submit a claim against your ACKO Platinum Super Top-up Health Insurance Plan. All you need is a computer or smartphone with a working internet connection. Then download the ACKO app on your phone to submit a claim anytime from any location. 

Following are the steps to claim against your ACKO Platinum Super Top-up Health Insurance Plan.

Frequently asked questions
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Following are some common questions you might have about ACKO Platinum Super Top-up Health Plan.

What do you mean by deductible in a super top-up health insurance?


In a super top-up health insurance in India, a deductible is like a personal contribution you agree to pay before your insurance kicks in. It's a bit like a threshold. Once your medical expenses cross this threshold, the insurance company starts covering the costs. So, it's the amount you pay from your pocket (or from your primary health insurance plan) before your insurance starts helping you out. Think of it as your initial share of the medical bill.

Who is eligible to buy a super top-up health insurance?


Anyone who is eligible to buy a regular health insurance plan can buy a super top-up plan. A super top-up plan is like extra protection for your health, just in case your medical expenses go beyond what your regular policy covers. So, if you want added peace of mind for your health, you're eligible for a super top-up!

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


Regular health insurance plans in India cover your medical expenses up to a certain limit. Once you reach that limit, you have to pay for any additional expenses out of your pocket.

Super top-up health insurance is like an extra layer of protection. It kicks in after you've used up your regular insurance limit. So, if your medical bills exceed your regular plan's limit, the super top-up insurance helps cover the extra costs.

Think of it like having a backup plan to handle bigger medical bills without straining your finances. It's a smart way to ensure you're well-protected against unexpected health expenses.

My employer does not offer ACKO Group Medical Coverage (GMC). Can I still buy the Super Top-up plan from ACKO?


GMC Policyholders from any company can also avail Acko’s Super Top Up plan. It does not matter if you are covered under ACKO GMC or not. You can purchase a Super Top-up health plan from us to create a financial safety net and cover your medical expenses beyond the deductible limit. 

For Example: 

Rahul works for ACB Fireworks, where he is covered under ACKO Group Medical Cover (GMC). The sum insured of his GMC is Rs. 5 lakhs, but Rahul has a family history of cancer, so he opted for ACKO Platinum Super Top-up Plan. After a while, Rahul decides to switch to another company, but his new employer does not offer ACKO GMC. In this case, Rahul and his dependents can still continue to avail coverage under ACKO Platinum Super Top-up Plan.

Why is a super top-up health insurance plan cheaper?


A super top-up health insurance plan is cheaper in India because it builds on your existing health insurance. It only kicks in when your medical bills go beyond a certain limit (deductible). Since you're using your primary insurance first, the risk for the super top-up company is lower, making it more affordable for you. It's like having a backup plan without paying a lot upfront.

Do I need to undergo Pre-Policy Medical Checkup before buying the plan?


Pre-Policy Medical Checkup is necessary for all insured members. After making payment, you will get a call from one of our certified doctors for a medical evaluation.

Can I choose the sum insured of the Super Top-up plan?


The available options are as follows.

  • Rs. 25 lakhs

  • Rs. 50 lakhs

  • Rs. 1 crore

  • Unlimited

You can choose the sum insured of the Super Top-up Plan from the above figures.

Can I buy a super top-up without base policy?


Yes, you can buy the ACKO Platinum Super Top-up plan without a base policy.

How do I claim super top up?


To claim against your super top-up plan, download the ACKO app and log-in to your ACKO account. Then, open the policy and click on “claim”. Now answer a few questions and provide the necessary details. Next, confirm to register the claim. We will review it and keep you posted about the claim settlement.

My senior citizen parents are covered under ACKO Group Medical Cover provided by my employer. Can I add my parents to the Super Top-up Plan?


Yes, if your senior citizen parents are covered under ACKO Group Medical Coverage, then you can add them to our Super Top-up Plan.

What is the difference between a top-up health insurance and a super top-up health insurance?


Here is the main difference between top-up and super top-up health insurance plans.

Top-up Health Insurance: It kicks in only when your medical expenses in a single hospitalization exceed a certain limit called the "deductible." It's like an extra helping hand when your regular insurance isn't enough.

Super Top-up Health Insurance: This is like a backup plan for your entire year. It covers your medical costs when they add up to a certain amount in a year, even if no single hospitalization goes beyond the deductible. It's a bit like a safety net for your health expenses.

So, top-up is for one-time high bills, while super top-up is for total annual costs. Both can be handy to have depending on your needs and budget!

Can I choose a higher deductible amount in the Super top-up plan?


Yes, you can choose a higher deductible amount in the super top-up plan. Usually, the idea is to set a deductible approximately equal to the sum insured of your primary health insurance plan.

Is AYUSH treatment covered under Super top-up plans?


Yes, usually AYUSH treatments are covered. Please go through the policy wordings of your Super top-up plan to ensure that these treatments are covered.

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.