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

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
Close
Back
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

    Features

    Specifications

    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

    140

    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

    50%

    25-36 months

    75%

    After 36 months

    100%

    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 care@policybazaar.com or call us at 1800-708-8787. 

    FAQs

    Health insurance articles

    Recent Articles
    Popular Articles
    Monkeypox: Dos and Don’ts of the Disease That You Should Know

    15 Sep 2022

    Monkeypox has slowly and steadily spread to more than 85 countries...
    Read more
    Why is It Important to Disclose Pre-existing Diseases to Your Insurer?

    06 Sep 2022

    As we grow old, the chances of developing a disease or a medical...
    Read more
    Benefits of Multi-Year Health Insurance Plans

    25 Aug 2022

    Ever since COVID-19 entered our lives, health insurance has come...
    Read more
    Does Health Insurance Cover Monkeypox?

    25 Jul 2022

    Monkeypox is the latest disease to make its way to India while we...
    Read more
    List of Diseases Covered by Bajaj Allianz Health Insurance Plans

    05 Jul 2022

    Barely any person has remained unaffected due to rising health...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
    Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal...
    Read more
    Best Maternity Insurance Plans
    Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
    Read more
    Best Health Insurance Plans for Senior Citizens in 2022
    Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance...
    Read more

     
    top
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL