Super Top-up Health Insurance Calculator
Find the ideal combination of base policy and super top-up to maximize cover at minimum cost.
Quick Summary: Super Top-up Health Insurance Calculator
A Super Top-up strategy for FY 2026-27 can reduce your total premiums by 60% while increasing cover to ₹50L or more. It works on an 'aggregate deductible' principle, covering multiple hospitalizations in a year once the base limit is crossed.
How to use the Super Top-up Health Insurance Calculator
- 1
Enter Base Limit
Input your existing health insurance limit or the deductible you are willing to pay.
- 2
Select Target Cover
Choose the total coverage you want (e.g., ₹50 Lakhs or ₹1 Crore).
- 3
Calculate Savings
Compare the cost of a high-limit base plan vs a Base + Super Top-up combination.
- 4
Check Deductible
Ensure your base policy or corporate cover fully covers the selected aggregate deductible.
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Regulatory Disclaimer
Last verified May 2026
Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.
Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."
Consult a SEBI-registered IA or CA for personalised advice.
9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.