Super top-up vs top-up
A top-up applies its deductible to each claim. A super top-up applies it to the total of all claims in a year. The super top-up is far more useful, because several moderate claims in one year is a realistic scenario and a single enormous one is less so.
What it means
A top-up applies its deductible to each claim. A super top-up applies it to the total of all claims in a year.
Why it matters to a household
The super top-up is far more useful, because several moderate claims in one year is a realistic scenario and a single enormous one is less so.
Where it trips people up
Buying a plain top-up thinking it works the same way. On multiple claims, it frequently pays nothing.
In an Indian household
A modest base policy plus a large super top-up is the cheapest route to a crore of cover for an Indian family.
Where FamTally comes in
FamTally is a free AI-driven money manager built for Indian families. It holds your loans, income, expenses, assets, insurance and goals in one place, forecasts five years ahead, and lets you ask an assistant questions about your own numbers rather than looking up general advice. Everything on this page is the kind of thing it works out for you automatically.
Stop doing this in a spreadsheet
FamTally keeps your loans, income, expenses, assets, insurance and goals in one place, forecasts five years ahead, and answers questions about your own numbers. Free, and built for Indian families.
Start freeQuestions people ask
Super top-up vs top-up
A top-up applies its deductible to each claim. A super top-up applies it to the total of all claims in a year.
Why does it matter?
The super top-up is far more useful, because several moderate claims in one year is a realistic scenario and a single enormous one is less so.
What do people usually get wrong?
Buying a plain top-up thinking it works the same way. On multiple claims, it frequently pays nothing.
Is there anything India-specific?
A modest base policy plus a large super top-up is the cheapest route to a crore of cover for an Indian family.