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.

Read More

Get insured from the comfort of your home No medicals required

Tell us about you

National Health Insurance Top Up & Super Top up Plan

All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on 'View Plans' you, agreed to our Privacy Policy and Terms of use
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    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. 


    Health insurance articles

    Recent Articles
    Popular Articles
    Is Dermatology Covered by Health Insurance Plans?

    21 Oct 2021

    The prevalence of dermatology has risen significantly in India...
    Does Health Insurance Cover Orthopaedic Surgery?

    09 Oct 2021

    Orthopaedic health conditions have become quite common in India...
    Claim Settlement Ratio Vs Incurred Claim Ratio - Know the Difference

    07 Oct 2021

    Every health insurance plan comes with unique benefits to attract...
    What Is The Right Age To Purchase A Health Insurance Policy?

    30 Sep 2021

    Every person must have a health insurance policy to deal with...
    Does Your Health Insurance Remain Valid If You Move Abroad?

    30 Sep 2021

    Health insurance is one of the best investments that you can make...
    Best Health Insurance Plans in India 2021
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Best Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Top Family Health Insurance Policies in India 2021
    From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to...
    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance
    There has always been a doubt in customers mind about whether the private company will keep its side of the bargain...
    Best Health Insurance Plans for Senior Citizens in 2021
    Considering the increasing percentage of medical inflation in India, it has become an absolute necessity to buy...
    Download the Policybazaar app
    to manage all your insurance needs.