What is a TopUp Insurance?
A topup (or excess) health insurance policy is an additional layer of cover that works together with your primary health plan. It activates only after the base policys limit has been reached, providing extra payment for highcost treatments, chronic conditions, or unexpected hospital stays.
The Super Health XS Policy is designed as a flexible, affordable topup that complements most mainstream health plans in Australia, especially those with low or no excess.
Key Benefits of Super Health XS
- Extended hospital cover up to an additional $1,000,000 per policy year.
- Low premium starts at $12 per month for individuals.
- Quick activation coverage applies automatically once the base limit is exhausted.
- No waiting periods for most hospital services if you already have a qualifying base policy.
- Portability can be attached to any eligible health insurer in Australia.
Who benefits most? Families with young children, seniors on lowexcess policies, and anyone who wants reassurance against catastrophic health costs.
What It Covers
The Super Health XS topup focuses on hospitalrelated expenses. Below is a snapshot of the core coverage areas:
| Category | Maximum Additional Benefit | Notes |
|---|---|---|
| Inpatient hospital stay (private room) | $200,000 per admission | Applies after base policy limit reached. |
| Intensive Care Unit (ICU) | $150,000 per admission | Includes all associated ICU fees. |
| Complex surgeries (cardiac, neurosurgery, transplant) | $250,000 per procedure | Cover for surgeons fees, prostheses, and consumables. |
| Specialist outpatient treatment (dialysis, chemotherapy) | $30,000 per year | Only after base outpatient limit is hit. |
| Rehabilitation & physiotherapy | $15,000 per year | Inpatient and dayrehab programmes. |
The policy does not cover routine GP visits, dental, optical, or elective cosmetic procedures unless they are part of a covered surgical episode.
Eligibility, Limits & Pricing
Who Can Apply?
- Australian residents aged 1870.
- Holder of a primary health insurance policy with an annual hospital limit up to $1,500,000.
- No claims history of a topup policy in the last 12 months.
AgeBased Pricing (per adult)
| Age Range | Monthly Premium |
|---|---|
| 1830 | $12 |
| 3145 | $15 |
| 4660 | $20 |
| 6170 | $28 |
Family & Dependent AddOns
Spouses and dependent children can be added for a 25% discount on the individual rate. A family pack (2 adults + up to 3 children) starts at $35 per month.
Maximum TopUp Limit
The policy provides a single aggregate excess of $1,000,000 per calendar year. If you need higher cover, you can combine multiple XS policies, subject to insurer approval.
How to Apply
- Check your base policy Ensure it meets the eligibility criteria and note its annual hospital limit.
- Request a quote Use the online calculator or call the insurers sales line.
- Provide documentation Proof of identity, current health insurance certificate, and a signed declaration of no recent topup claims.
- Pay the first premium Payment can be made by credit card, BPAY, or direct debit.
- Confirmation Youll receive a policy certificate within 2448hours. The topup becomes active immediately, overlaying your existing coverage.
For people who already have a primary health insurer, the process usually takes less than a day because the insurer can verify eligibility electronically.
Get a Free Quote Today*All information is current as of June2026. Premiums and limits are subject to change. Please read the Product Disclosure Statement (PDS) for full terms and conditions.
