Super top-up health insurance
A super top-up adds large extra cover at a low premium. It pays once your total medical bills in a year cross a chosen deductible, which your base policy or employer cover can pay.
People with employer cover who want more protection
Families with a base policy who want ₹25 lakh or more of cover cheaply
What is covered
Hospitalisation costs above the deductible
Multiple hospitalisations adding up in one year
Day-care and pre/post-hospitalisation on most plans
What is not covered
Costs below the deductible
Pre-existing diseases during the waiting period
Covers and exclusions vary by insurer and plan; the policy wording applies.
Making a claim
How a claim works with Kreeva
01
Tell us early
For planned treatment, a few days ahead; in an emergency, as soon as you can.
02
Cashless approval
The hospital sends the request; we follow it up with the insurer.
03
Bills and reports
We list exactly what to keep for any reimbursement.
04
Settlement
We track the claim until it is paid and explain any deduction.
Super top-up health insurance — questions
What deductible should I choose?
Usually equal to your base policy’s sum insured, so the top-up starts where the base cover ends.
Not sure which plan fits? Ask an advisor.
Free consultation. No obligation to buy.