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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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

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    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. 


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