Work out top up policy value instantly with clear inputs, formula shown and shareable results.
A top-up policy pays only the portion of a claim above its deductible, so it pairs naturally with a base policy sized to that same threshold. The combination buys a far larger total sum insured than a single policy for a similar premium, because the insurer avoids all the small claims.
Base policy payment
Base pays = min(Claim, Base sum insured)
Top-up payment
Top-up pays = min(max(0, Claim - Deductible), Top-up sum insured)
Indicative estimate only. Fees, entitlements, limits and formulas vary by jurisdiction, statute, policy wording and the facts of the case. This is not legal, tax, insurance or financial advice — confirm with a qualified professional or the relevant authority.
Yes, ideally exactly. A gap between base cover and top-up deductible becomes a band you fund yourself.
A super top-up applies the deductible to cumulative claims in the year, not per claim, and is materially better value for anyone with recurring treatment.