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Question regarding Super-Top up

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31 Aug, 2021 by  harivansh agrawal

Some super- top mention that


Convert your policy to an indemnity policy (without deductible) post 5 years


can you explain this sentence?


does it mean after 5year I can change this Super- top to base policy by paying an extra premium and avoiding any waiting period?

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Health Insurance

2 Answer

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01 Sep, 2021
jasmer singh

Just port to a plain Vanilla policy.

All these are just marketing hype which you will be paying more for anyway, and is designed to confuse the customer.

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01 Sep, 2021
harivansh agrawal
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01 Sep, 2021

Hi Harivansh,


This means you can have the deductible clause removed from your top up policy after a certain time period. Some policies link it to time served in the policy, some link it to age, etc. I believe this facility was introduced into top-up to appeal to a vast working population who get employer provided health insurance during their working years. Such people can just live off top ups and convert them into base policies when they want.


Waiting periods will apply on the newly gained Sum Insured (deductible that's removed).


Asad Akbar



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02 Sep, 2021
harivansh agrawal
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02 Sep, 2021
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