Large protection
Build for a genuinely expensive medical year without an enormous base premium.
Super top-up health insurance
Big protection on top of what you already have.
A super top-up adds ₹50 lakh to ₹1 crore above a deductible, often at a fraction of the cost of a base policy of the same size.
₹50L–1Cr layerAnnual aggregateWorks with employer coverLow premium
In plain English
The efficient second layer
Once eligible medical bills in the year cross the deductible, the super top-up pays according to its terms. Unlike a basic top-up, it can aggregate multiple bills across the year.
Multiple claims count
A super top-up aggregates eligible claims across the policy year.
Portable foundation
Pair it with personal or employer cover, but check continuity carefully.
An honest fit check
Who this is for — and who should skip it
It fits when
You have a base or employer policy and want much more cover. You understand and can fund the deductible.
Consider another route when
You need the first few lakh covered by this policy. You might let the base policy lapse without reviewing continuity.
Claims, handled
A named human owns the process end to end
One person, one number, from the first call to the final settlement. You stay with your family; we carry the paperwork and follow-ups.
- 01
Call your claim expert
One call starts everything — no forms, helpline queue or ticket number.
- 02
We verify the cover
Eligibility, limits, waiting periods and the right claim route, explained plainly.
- 03
We build and submit the file
Forms are pre-filled, documents checked and insurer queries answered.
- 04
Settled, then explained
Every approval and deduction is broken down. We contest what is unsupported.
Good questions
Questions, answered
Is MITRA's advice really free?
Yes — consultations and claims support are free for you. Like all insurance intermediaries, we earn a standard commission from insurers when a policy is issued. Our advisors are measured on fit and claim outcomes, not sales targets.
What does claims support include?
A dedicated claim expert prepares and verifies your documents, coordinates with the hospital, insurer or TPA, resolves queries, and explains the final settlement in plain language. It is included for policies bought or ported through MITRA.
Can MITRA guarantee that my claim will be paid?
No intermediary can decide or guarantee a claim outcome. The insurer decides based on policy wording and the facts of the claim. MITRA makes sure your file is complete, follows up, contests unsupported deductions and escalates when valid grounds exist.
Free · Unbiased · No pressure
Talk it through with an expert
15 minutes, plain English, no pressure and no obligation.