Super top-up plans are the most beneficial to people that belong to high-risk groups. For example, people of the higher age group and those with a worrying medical history, especially critical illness. It is also useful where a specific medical condition is common in a family, like hereditary diseases. 

Buying Super Top-up Plans is also useful for people who have bought a health plan with a lower sum insured. It can prove to be insufficient in case of multiple medical events and may pose a financial risk if the sum insured gets exhausted. The Super Top-up ensures that a higher sum insured is available to cover the maximum cost of treatment.