OneAssure

Health Insurance

IFFCO Tokio

Super Top Up

IFFCO TOKIO Super Top Up

Cover hospital bills as a super top-up, paying only after a deductible you choose, and apply that deductible once a year to the combined bills rather than separately to each admission.

95.82%

Claim Settlement Ratio

3,000+

Network Hospitals

5.5/10

Plan Rating

Policy Policy Wording

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Our Verdict

Expert Review: IFFCO Tokio Super Top Up

Final Verdict

IFFCO-TOKIO’s Super Top-Up Health Insurance offers high-value coverage with flexible deductibles and no co-payment, ideal for individuals seeking extra protection beyond their existing health plan, but with waiting periods for certain benefits.

About

What Is Super Top Up?

IFFCO-TOKIO’s Super Top-Up Health Insurance plan provides additional coverage beyond a chosen deductible, ensuring financial protection against high medical expenses. It covers hospitalization costs, day-care procedures, advanced treatments, and AYUSH treatments. The policy includes a 30-day initial waiting period, 24 months for specific illnesses, and 48 months for pre-existing diseases. No co-payment is required. Cashless treatment is available at network hospitals. This plan is ideal for individuals seeking cost-effective, high-value coverage above their existing health insurance policy.

Super Top Up Ratings

Super Top Up

Insurer Rating

6.23

out of 10

Insurance Rating

5.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

No

No Disease Sublimits

Yes

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

IFFCO Tokio Super Top Up Inclusions and Exclusions

Room Rent

Normal: Covers up to Chosen Sum Insured.
ICU: Covers up to Chosen Sum Insured.

Advanced Treatments

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.

Co-payment

No co-payment is required.

Cashless Healthcare Providers

Access to an extensive network of over 5,000 hospitals across India for cashless treatment.

Waiting Period

Initial Waiting Period: 30 days from policy inception, excluding accidents.
Specific Diseases: 24 months for listed ailments.
Pre-existing Diseases: 48 months waiting period applies.

Daycare Treatment

Coverage for medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy.

AYUSH Treatment

Expenses for alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.

Exclusions

Pre-existing diseases not covered during the waiting period.
Illnesses occurring within the first 30 days of policy inception, except accidents.
Cosmetic or plastic surgery unless required due to an accident or medical necessity.
Injuries or illnesses caused due to self-inflicted harm, suicide attempts, or substance abuse.
Treatment for HIV/AIDS and other sexually transmitted diseases.

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About the company

About IFFCO Tokio

IFFCO Tokio General Insurance Company Limited, established in 2000, is a leading private insurer in India. It is a joint venture between IFFCO and Tokio Marine Group of Japan. The company offers a wide range of health insurance plans for individuals and families.
You can choose sum insured options up to ₹1 crore. With a network of over 8,000 hospitals, policyholders can avail cashless treatment, making claims easier during medical emergencies.
Known for its customer-focused approach, IFFCO Tokio ensures quick and smooth claim settlements. With 24/7 support, it is a trusted choice for people seeking reliable and comprehensive health insurance in India.