National Health Insurance Top Up & Super Top up Plan

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*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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      National Health Insurance Top Up & Super Top up Plan

      National Super Top-up Mediclaim is a high threshold insurance policy.  National Super top-up policy reimburses hospitalization expenses when a specific threshold amount is exceeded or when the Sum insured limit of the existing health insurance policy is fully utilised. This policy provides plans for individuals as well as families with a floater basis. It can be purchased even without a base health insurance policy.

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      For Individual plans both Sum insured and the deductible applies to each insured person. For Family floater plans both Sum insured and the deductible applies on a floating basis for all the insured family members.

      Eligibility Criteria



      Sum Insured

      Rs 3 lakh to Rs 20 lakh

      Deductible Amount

      Rs 2 lakh to Rs 10 lakh

      Minimum Entry Age

      Individual Policy: 18 years

      Family Floater Policy: 3 months

      Maximum Entry Age

      Adults- 65 years  

      Dependent children- 18 years

      Pre-existing Disease Waiting Period

      48 months

      Day Care Treatments


      Interested individuals should make use of the National Health Super Top-up Premium Chart in order to determine the amount of premium payable. For further details of the policy, please refer to the National Health Super Top-up Plan Brochure. 

      Key Benefits of National Super Top-up Mediclaim Policy

      • Helps in mitigating the risk of increasing healthcare costs
      • No sub-limits for reimbursement for room rent, doctor’s fees, etc.
      • Cashless hospitalization is available at more than 6000 network hospitals in over 12 cities.
      • Package rates for specific surgeries available in-network hospitals.
      • 5% annual increase in Sum Insured for each claim-free policy year. This is up to 50% of Sum Insured opted
      • National Insurance Health claims settlement ratio of 85.47% seems quite promising

      Inclusions of National Super Top-up Mediclaim Policy

      National Super top-up mediclaim policy covers the following medical expenses:

      • Ayurveda, Allopathy, and Homeopathy treatments are covered
      • In-patient treatment expenses including ICU charges, room rent, medical practitioners, surgeon, specialist’s fees, anaesthetist, etc., are covered.
      • Bariatric  surgery and maternity cover up to the sum insured
      • Organ donor’s medical expenses, pre & post hospitalization expenses covered up to Sum Insured.
      • Correction of eyesight and treatment for morbid obesity after specified waiting periods.
      • Mental illness, HIV/AIDS, Genetic disorders are also covered
      • Treatment-related to participation as a non-professional in hazardous or adventure sports subject to sub-limits

      The National Health Super Top-up premium chart provides detailed information about premium payments and rates available under various categories. One may refer to it for complete information.

      Pre-existing Diseases

      All pre-existing diseases included after a waiting period of 12 months from the policy inception as follows:

      Period from Inception

      Percentage of the admissible claim

      13-24 months


      25-36 months


      After 36 months


      Exclusions of National Super Top-up Mediclaim Policy

      National Super top-up mediclaim policy does not cover the following medical expenses:

      • Non-prescription drug
      • Vitamins, tonics
      • Alcohol or Drugs abuse
      • Self-inflicted injury
      • Home visit charges
      • OPD treatment

      *For a complete list of exclusions, please refer to the National Super Top-up Mediclaim Policy Terms and Conditions

      For more information about exclusions, please refer to the plan brochure or the policy document. If you are planning to buy this policy or any other National health insurance plans then you can write to us at or call us at 1800-708-8787. 


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      • 30 minutes claim support*(In 120+ cities)
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      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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