Super top-up plans cover the total of all claims in a policy year once the deductible is exceeded, unlike regular top-up plans that apply the deductible to each claim.

Yes, you can buy a super top-up plan even without a base policy, but having a base policy is advisable to cover the deductible.

No, you can make multiple claims, but the total reimbursement will only start once the aggregate deductible is exceeded.

The deductible should ideally be equal to or slightly higher than the coverage limit of your existing health insurance policy.

Yes, first, your primary health insurance covers up to its limit, then the super top-up kicks in to cover additional costs.

Yes, but similar to regular health insurance, there is generally a waiting period before pre-existing conditions are covered.

• Common exclusions include cosmetic surgery, dental treatment, and illnesses covered under the first deductible amount.

Typically, super top-up plans are limited to treatments in India, but some plans might offer overseas coverage optionally.

Yes, portability is available for super top-up plans similar to regular health insurance policies.

You can contact SFIC directly through their website or customer service to discuss your needs and complete the application process.