There are two kinds of top-up plansTop-up plan: A top-up plan works on a per claim basis.
That is, you can claim from the top-up plan only after you have exhausted the base amount of your health insurance during a particular claim.Super top-up plan: Now for super to-up plan, there is no threshold limit for a particular claim; it is applicable on a aggregate basis.
You can make a claim from your super top-up plan only after you have exhausted the base amount of your mediclaim due to repeated claims in a particular year.
For example, let's assume you have a ₹2 lakh health policy and a ₹3 lakh top up plan. On a particular year, you make three claims of ₹50,000, ₹2 lakh and ₹3 lakh.