India, May 13 -- justify;">You bought a health insurance plan a few years ago, hoping it would provide adequate health insurance coverage. However, in the last few years, medical inflation has grown faster than the average inflation rate. As a result, you feel the health insurance cover that you bought a few years back is inadequate as of today. In such a scenario, you can buy additional coverage in the form of a top-up or a super top-up health insurance plan. In this article, we will understand what is a top-up and a super top-up health insurance plan, the differences between them, and which one you should take.

A top-up health insurance plan pays when the hospitalisation claim is above a specified threshold, known as the deductible. Fo...