The deductible amount in the super top-up plan is the primary amount you pay before you get the benefits of the top-up plan. The insurance company will pay only once the claim exceeds the deductible amount. For example, if you have a super top-up plan for Rs. 20 lakh, and the deductible amount is Rs. 2 lakh. In case of a claim of Rs. 5 lakh, the company will deduct Rs. 2 lakh and pay Rs. 3 lakh.