This is generally purchased as an addition to a base policy (ie Individual or a Family Floater policy). Sometimes it is better to add a Top Up Policy rather than getting a higher base policy since it has a lower premium. This is because of a Deductible/Excess/Co-payment, which is an amount that you have to pay, after which the insurance company will pay. Under a Top Up policy, the Insurance company will pay only after each claim crosses the deductible. So for multiple claims in a year, you may have to pay the deductible. In a Super Top Up, all claims are paid after applying the deductible only once, so a Super Top Up is better. Hence, buy a base policy that covers the Deductible and then add a Super Top Up.