How to raise your cover without a large jump in premium.
In this guide
What it is
A plan that pays only after your claims in a year cross a deductible.
Why it is cheaper
You take the first slice of the risk through your base policy or your own pocket.
An example
With a ₹5 lakh base and a ₹5 lakh deductible super top-up of ₹20 lakh, a ₹12 lakh bill is met by both policies together.
Things to check
Ensure the deductible matches your base cover and that waiting periods are acceptable.
Key takeaway. A base policy plus a super top-up is often the economical route to adequate cover.
General information only; not personal advice. Rules and limits change, so verify current details. Last updated October 2026.