Extend Coverage. Control Costs.
Offer employees higher health protection without the cost of increasing base coverage. Top-Up and Super Top-Up plans provide an additional layer of financial security when major medical expenses exceed core policy limits.
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Protection Beyond Your Base Health Cover.
Corporate Top-Up and Super Top-Up plans extend coverage beyond your base Group Health policy. When medical expenses exceed the base sum insured, the additional cover steps in — helping employees manage larger healthcare costs while keeping overall benefit costs efficient.
Higher coverage without higher base plan costs.
Higher coverage limits
Extend protection with an additional ₹5 lakh to ₹1 crore of coverage above the base Group Health policy.
Cost-efficient coverage
Increase employee protection without the cost of raising the base sum insured for the entire workforce.
Protection for high-cost claims
An additional layer of coverage helps manage the financial impact of major hospitalizations and serious medical events.
Enhanced benefits for key employees
Offer higher coverage limits to leadership and senior talent without redesigning the entire benefits program.
Coverage for complex care
Provides added protection for expensive medical treatments and prolonged hospitalizations.
Built around your workforce
Select the coverage structure that best fits your team, whether for individual employees or their families.
Is a Top-Up plan right for your team?
Base coverage may not be enough for major medical events
Your current Group Health Insurance cover is modest, but employees need greater protection against serious illnesses and high-cost treatments.
Leadership teams require enhanced protection
You want to offer higher coverage limits to senior employees without redesigning the benefits program for everyone.
You're balancing coverage with cost control
You need to strengthen employee benefits while keeping overall insurance costs sustainable.
High-value claims are becoming more common
Claims trends indicate rising healthcare costs and larger hospitalizations, increasing the need for additional protection.
From assessment to active cover in four steps.
Assess your current coverage
We review your existing Group Health policy, workforce profile, and claims experience to understand where additional protection may be needed.
Design the right coverage structure
We evaluate Top-Up and Super Top-Up options, define the optimal threshold and coverage limits, and benchmark the market to identify the best fit for your team.
Activate coverage
We manage implementation from start to finish, including enrollment, policy issuance, and integration with your existing Group Health plan.
Ongoing support and management
We continue to manage the program after launch, coordinating claims, handling policy updates, and reviewing the market at each renewal.
Let's design the right program together.
Bring us your India headcount and current cover. We'll benchmark the market, identify gaps and opportunities, and show you how the program could be improved, at no cost.
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