What is an aggregate deductible?

An aggregate deductible in a Super Top-up plan means the policy pays for claims once the TOTAL hospital bills in a policy year exceed the deductible limit.

Is Super Top-up better than Top-up?

Yes. A standard Top-up applies the deductible to EACH claim, while a Super Top-up applies it to the ANNUAL TOTAL, making it far superior for multiple small hospitalizations.

Can I buy Super Top-up from a different company?

Yes, you can buy a Super Top-up from any insurer regardless of where your base policy is from. It is often recommended to shop around for the best aggregate limits.

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 plan provides a high sum insured (e.g., ₹50L) at 70-80% lower cost than increasing base cover. It works on an 'aggregate deductible' principle, covering all cumulative hospital bills in a year that exceed your base policy limit.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

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.