Insulation Classes:
Y = 90? C
A = 105? C
E = 120? C
B = 130? C
F = 155? C
H = 180? C
Class A: No more than 55o Celsius winding temperature rise, at 40o Celsius (maximum) ambient air temperature.
Class B: No more than 80o Celsius winding temperature rise, at 40o Celsius (maximum)ambient air temperature.
Class F: No more than 115o Celsius winding temperature rise, at 40o Celsius (maximum)ambient air temperature.
Class H: No more than 150o Celsius winding temperature rise, at 40o Celsius (maximum)ambient air temperature.
As an example encapsulated transformers are rated 180 or 185 deg insulation with 115degC rise. 115+40+30(must be added for hot spot)= 185degC
A ventilated dry type would be 150+40+30=220degC
If one were to go with 115deg C for a ventilated with 220 deg insulation it would provide for a 15% continuous over load capacity without sacrificing transformer live. At 80deg C rise that same transformer provides a 30% overload capacity.
Encapsulated with an 80 deg C rise provides a 15% overload capacity.
So class H isulation is total temperature of 220deg C (150+40+30) and F is 185degc (115+40+30).