# Super top-up health insurance?
**URL:** https://tradingqna.com/t/super-top-up-health-insurance/183062
**Category:** Personal finance
**Created:** [June 6, 2025, 12:26pm UTC](https://tradingqna.com/t/super-top-up-health-insurance/183062 "2025-06-06T12:26:00Z")
**Posts on this page:** 5
**Page:** 1
### Author:  [@RahulNR](https://tradingqna.com/u/RahulNR)
#### Post date: [June 6, 2025, 12:26pm UTC](https://tradingqna.com/t/super-top-up-health-insurance/183062/1 "2025-06-06T12:26:00Z")
Hi everyone,
I’ve noticed that Ditto, a popular insurance advisory platform does not offer Super Top-Up health insurance plans, something I was looking at for better cost-to-benefit coverage.
Given that Super Top-Ups are more affordable and practical for increasing health cover (especially for those with corporate base policies), I find it odd that Ditto doesn’t sell them.
Am I missing something here? Is the product not worth the money? Would love to hear what the community thinks about the product.
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### Author:  [@paekut](https://tradingqna.com/u/paekut)
#### Post date: [June 6, 2025, 2:53pm UTC](https://tradingqna.com/t/super-top-up-health-insurance/183062/2 "2025-06-06T14:53:57Z")
Yes, the base plans have become very expensive and premiums are rising like 10% per year.
So here are the options:
1. Take a base plan of x amount and top it up with 5x-10x with the super topup plan.
2. Take a base plan of 5x amount
3. Let go of the base plan, keep only the super topup with a minimal deductible of let’s say 5 lakh. Risk limits to 5 lakh, which has to be paid from own pocket.
I am currently on (2) but evaluating a shift to (1) or (3). But what I am finding is the total premium for (1) is exceeding the premium for (2).
If there are any insurance experts, they can please throw some light on how to make this choice and optimize for premiums.
Found this on LinkedIn:
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### Author:  [@ksksat](https://tradingqna.com/u/ksksat)
#### Post date: [July 10, 2025, 7:26pm UTC](https://tradingqna.com/t/super-top-up-health-insurance/183062/3 "2025-07-10T19:26:55Z")
Can you kindly post LinkedIn article link ?
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### Author:  [@pavinjoseph](https://tradingqna.com/u/pavinjoseph)
#### Post date: [July 11, 2025, 7:53am UTC](https://tradingqna.com/t/super-top-up-health-insurance/183062/4 "2025-07-11T07:53:29Z")
Isn’t there a limit by IRDAI on how much providers can increase premium YoY? 🤔
100 - 400% increase is insane 🤯
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### Author:  [@Arjun\_C](https://tradingqna.com/u/Arjun_C)
#### Post date: [August 10, 2026, 6:53am UTC](https://tradingqna.com/t/super-top-up-health-insurance/183062/6 "2026-08-10T06:53:09Z")
> [@RahulNR](#):
>
> I’ve noticed that Ditto, a popular insurance advisory platform does not offer Super Top-Up health insurance plans, something I was looking at for better cost-to-benefit coverage.
>
> Given that Super Top-Ups are more affordable and practical for increasing health cover (especially for those with corporate base policies), I find it odd that Ditto doesn’t sell them.
>
> Am I missing something here? Is the product not worth the money? Would love to hear what the community thinks about the product.
**Super top-ups are not a gimmick, and I wouldn’t reject one simply because Ditto doesn’t sell/recommend them prominently.**
For someone with a **good corporate base policy** , I actually think a super top-up can be one of the **best rupee-for-rupee ways to protect against a ₹20–50 lakh+ medical event**.
The trick is choosing the **deductible and insurer correctly** and making sure the super top-up is genuinely compatible with the corporate policy.