National Super Top-up Mediclaim Health Insurance

National Super Top-Up Mediclaim Policy is an advanced health insurance plan that covers you and your family with a single sum insured. You can choose coverage for yourself or your entire family. This policy works as a super top-up, stepping in when your overall medical expenses go beyond a certain limit for an individual or the entire family.

Talking about its extensive coverage, the National Super Top-Up Mediclaim policy takes care of your basic health needs, including daycare treatments, in-patient hospitalisation, pre and post-hospitalisation expenses, and treatments in allopathy, ayurveda, and homeopathy. National health insurance policy also covers organ donor expenses, ambulance charges, bariatric surgery, and maternity expenses.

You are eligible for this policy if you are between 18 and 65 years old. Also, the policy offers various sum insured options ranging from Rs. 3 Lakh to Rs. 20 Lakh, with deductibles between Rs. 2 Lakh and Rs. 10 Lakh.

Please note that, if you buy it individually, the threshold and sum insured apply individually to each person. If bought as a family floater, the limits apply to the entire family.

National Super TopUp Mediclaim Insurance At a Glance

Highlights of the National Super Top-Up Health Insurance plan are listed below in the table:

Coverage	Individual and Family Floater
Key Features	No Co-payment, Lifetime Renewal, and more
Inclusion	Modern Treatment, Mental Illness, etc.
Exclusion	Self-inflicted Injury, Gender Change Treatment, etc.
Renewability	Lifelong

Key Features of National Super TopUp Mediclaim Insurance

Here’s a list of key features of National Super TopUp Mediclaim Insurance:

• No Co-payment: The insurer takes care of the entire treatment cost up to the sum insured, leaving you with no out-of-pocket expenses. This policy is completely free from co-payment hassles.
• Lifetime Renewal: Rest easy knowing that you can keep renewing your coverage for your entire life. This means that your health protection stays in place without the stress of the policy running out.
• Freedom in Room Choices: Whether it's a shared room, single room, deluxe room, or any available room, the insurer respects your preference. There are no restrictions on room rent, giving you the flexibility to choose without any concerns.
• Comprehensive Pre & Post Hospitalisation Coverage: The insurer covers pre and post-hospitalisation expenses for a reasonable duration of 30 days before admission and 60 days after discharge. This coverage also includes medication costs.
• Alternative Medicine Support: The insurer has got you covered for paying up to 100% of the expenses for alternative treatments.
• Modern Treatments Covered: Modern treatments, including advanced procedures, are covered up to 25% of the sum insured.
• Inclusive Day Care Treatments: The insurer covers the costs for day-care treatments even if you're hospitalised for less than 24 hours.

Eligibility Criteria of National Super TopUp Mediclaim Insurance Plan

Find below the eligibility criteria for the National Super TopUp Mediclaim Insurance Plan:

Parameters	Eligibility Criteria
Minimum entry age	Child: 3 Months Adult: 18 Years
Maximum entry age	Child: 18 Years Adult: 65 Years
Initial Waiting Period	30 Days
Sum Insured	Rs. 3, 5, 7, 10, 15 and 20 lakhs

Benefits of National Super TopUp Mediclaim Insurance Plan

The following are the benefits of this top-up plan:

• Coverage for Previously Excluded Conditions: The policy covers commonly excluded diseases/conditions such as HIV/AIDS, obesity (including bariatric surgery), and maternity up to the sum insured. However, there are waiting periods associated with these coverages.
• Reduced Waiting Periods: The waiting period for all pre-existing diseases is only one year. Additionally, waiting periods for specific diseases are shorter, limited to 90 days, one year, and two years, instead of the usual one, two, and four years.
• No Sub-limits on Medical Expenses: Medical expenses are reimbursed without any sub-limits. This means there are no restrictions on components like room rent per day or doctor's fees.
• Flexible Policy Options: This policy can be taken with or without a base policy, providing flexibility in choosing the coverage that suits your needs.
• Annual Increase in Sum Insured: The sum insured increases by 5% for each claim-free year, up to a maximum of 50% of the initially opted sum insured. This rewards policyholders for maintaining a claims-free record.
• Tax Rebate: Premiums paid for this policy qualify for a tax rebate under Section 80D of the Income Tax Act 1961, offering potential savings on income tax.

Inclusions of National Super TopUp Mediclaim Insurance Plan

Listed below are the inclusions of this Super Topup plan:

• Comprehensive Range of Treatments: The policy covers expenses of diverse treatment options, including Allopathy, Ayurveda, and Homeopathy.
• Hospitalisation Benefits: Coverage for in-patient treatment includes room rent/ICU charges, medical practitioners, surgeons, anesthetists, consultants, specialists' fees, and associated charges.
• Reimbursement for Ambulance Charges: Actual ambulance charges are reimbursed, limited to once per insured person for any single illness.
• Coverage for Organ Donors and Pre/Post Hospitalisation: Medical expenses for organ donors, as well as pre and post-hospitalisation expenses up to the sum insured, are included.
• Modern Treatment Inclusions: This plan extends coverage to 12 modern treatments, such as robotic surgery, oral chemotherapies, and immuno-therapies.
• Specific Condition Coverage: Treatment for conditions like morbid obesity, eyesight correction (refractive errors above -7.5 D), and participation in non-professional hazardous or adventure sports are covered after specified waiting periods.
• Mental Illness, HIV/AIDS, and Genetic Disorders: The plan includes coverage for mental illness, HIV/AIDS, and genetic disorders.

Exclusions of National Super TopUp Mediclaim Insurance Plan

Below-mentioned are the exclusions of the National Super TopUp Mediclaim Insurance Plan:

• Only claims resulting from accidents are covered during the initial 30 days of the policy.
• Pre-existing diseases become eligible for claims after the first twelve months of the policy. The claim limits are as follows:
  • 13-24 months: 50% of the admissible claim
  • 25-36 months: 75% of the admissible claim
  • After 36 months: 100% of the admissible claim
• Treatments for changing gender, cosmetic or plastic surgery, and services from excluded providers are not covered.
• Claims related to vitamins, tonics, drug/alcohol abuse, self-inflicted injuries, non-prescription drugs, home visit charges, dental treatment (unless due to an accident requiring hospitalisation), and outpatient department treatment (OPD treatment) are excluded.

Documents Required for National Super TopUp Mediclaim Plan

To purchase the National Super TopUp Mediclaim Insurance, you have to provide the following:

• Accurately filled application form
• Aadhar card
• Passport
• Voter ID
• Driving License
• Birth Certificate
• Passport-sized photos
• In some cases, health check-up reports might be needed
• If asked, submit any extra documents requested by the insurance company

How to Buy National Super TopUp Mediclaim Insurance?

To purchase theSuper Top-Up National Mediclaim Insurance Plan, just follow these steps:

Step 1: Go to the InsuranceDekho website.

Step 2: Click on "Health Insurance" in the "Insurance" tab.

Step 3: Select "National Health Insurance" from the list of health insurance companies.

Step 4: Choose the "National Super TopUp Mediclaim" plan.

Step 5: Read the policy document carefully.

Step 6: Upload the required documents for verification.

Step 7: Complete the online payment for the medical insurance premium.

Step 8: You will receive the policy document via email successfully.

Claim Process for National Super TopUp Mediclaim Insurance

You can claim your Future Generali Health Total Health Insurance policy through two methods:

Cashless Claim

• Head to a hospital affiliated with National Health Insurance.
• Share your National Super TopUp Mediclaim details and other essential information.
• Complete and submit the necessary documents for claim settlement.
• The insurance company will handle the payment directly with the hospital on your behalf.

Reimbursement Claim

• Select a hospital within National Health Insurance's network.
• Settle your medical bills at the chosen hospital.
• Start a reimbursement claim on the insurance company's website.
• Fill in and submit the National Super TopUp Mediclaim claim form with the required details.