As medical inflation outpaces general inflation, many individuals in India are realizing that their existing health insurance coverage may no longer be sufficient. To address this, they can consider purchasing either a top-up or a super top-up health insurance plan. A top-up plan activates when a hospitalisation claim exceeds a specified deductible for each claim, meaning only the amount above this deductible is covered. For instance, with a top-up plan of ₹10 lakhs and a ₹3 lakhs deductible, a claim of ₹4 lakhs would result in a payout of ₹1 lakh. Conversely, a super top-up plan aggregates all claims within a policy year, and once the total exceeds the deductible, all subsequent claims are covered. For example, if the total claims exceed ₹3 lakhs, the insurance will cover the incremental amounts thereafter. While super top-up plans generally have higher premiums, they provide better value for those likely to face multiple hospitalisations. Given that many individuals are underinsured in India, understanding these options is crucial for enhancing health coverage without significantly increasing costs.