A deductible is an amount you (policyholder) must pay before the top-up, or the super top-up insurance plan pays for the medical costs. Suppose the top-up plan has a deductible of Rs. 3 lakhs, and the sum insured of the top-up plan is Rs. 10 lakhs. In case of a claim of Rs. 4 lakhs, you have to pay Rs. 3 lakhs, and your insurer will pay the balance of Rs. 1 lakh through the top-up plan.