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.

Share this calculation:

Documentation

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.

Related Calculators

Health Insurance Adequacy Calculator

Health Insurance Inflation Planner

Group Health vs Individual Plan Optimizer

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.