Personal Finance Existing health insurance policy: Top-up vs super top-up vs riders - which one should you buy? Updated : August 29, 2020 01:35 PM IST Top-up or super top-up plans are designed to offer additional health insurance coverage to the existing health plan. On the other hand, riders are add-on covers for insurers to render and enhance the scope of a health policy resulting in most inclusive protection. Subscribe to Moneycontrol PRO at just Rs.33/- per month for the first year. Use code SUPERPRO. Limited period offer. Available on Web and Android.