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National Super Top-up Mediclaim Health Insurance Wordings

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Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio83.78%
Network Hospitals6,000+
RenewabilityLifelong
Starting Premium for 5 lac SIRs.586/month
Starting Premium for Rs. 5 lakhs SIRs. 586/month

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National Health Insurance Plan List

  • Family (5)
  • Individual (2)
  • Woman (4)
  • Parents (1)
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Name of PlanSum Insured
National Mediclaim Plus Min: 3 Months; Max: 75 Years2 Lakh Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Check Premium
Corona Kavach PolicyMin: 1 Day; Max: 65 Years50,000 - 5 lakh Check Premium
Parivar Mediclaim Policy for FamilyMin: 18 Years; Max: 65 Years2 Lakh Check Premium
National Parivar Mediclaim Plus PolicyMin: 3 Months; Max: 65 Years6 Lakh Check Premium
National Parivar MediclaimMin: 3 Months; Max: 65 Years1 Lakh Check Premium
National MediclaimMin: 3 Months; Max: 65 Years50 Thousand Check Premium

National Health Insurance Top Up List

    Name of PlanSum Insured
    National Super Top-up Mediclaim PolicyMin: 3 months; Max: 65 years Check Premium

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    FAQs on National Super Top-up Mediclaim Policy Health Insurance Plan

    • What are the waiting periods under National Super Top-Up Mediclaim Policy?

      National Super Top-Up Mediclaim Policy comes with the following waiting periods: 

      • General waiting period of 30 days
      • Waiting period of 90 days, 1 year, 2 years, and 3 years, for specific illnesses
      • Waiting period for up to 12 months for all pre-existing diseases 

    • What are the sum insured and deductible options available under National Super Top-Up Mediclaim Policy?

      National Super Top-Up Mediclaim Policy comes with sum insured options of Rs. 3 Lakh, Rs. 5 Lakh, Rs. 7 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, and Rs. 20 Lakh. The deductible options available are of Rs. 2 Lakh, Rs. 3 Lakh, Rs. 5 Lakh, Rs. 8 Lakh, Rs. 10 Lakh.    

    • Can I avail cumulative bonus under National Super Top-up Mediclaim Policy?

      Cumulative bonus shall increase by 5% of sum insured for every claim free year, subject to a maximum of 50% of the sum insured. The cumulative bonus shall decrease by 5% of the sum insured in case you make any claim during the policy tenure. 

    • Can I cancel my National Super Top-up Mediclaim Policy? Will I get a premium refund if I cancel it?

      Yes. You can cancel your National Super Top-up Mediclaim Policy by giving a 15 days written notice. In this case, the company shall refund premium for the unexpired policy period as mentioned below:

      • If the period of risk is up to 1 month, then the premium will be charged ¼ of the annual rate
      • If the period of risk is up to 3 months, then the premium will be charged ½ of the annual rate
      • If the period of risk is up to 6 months, then the premium will be charged ¾ of the annual rate
      • If the period of risk is exceeding 6 months, then the premium will be charged for full annual rate.

    • What is the free look period under National Super Top-up Mediclaim Policy?

      National Super Top-up Mediclaim Policy comes with a free look period of 15 days, calculated from the date of policy issuance. During this period, you can go through the terms and conditions of the policy, and return the same if it does not suit you. 

    Claim Process at National Health Insurance

    • Network Hospital
    • Non-Network Hospital
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
    • 3

      Claim Processing

      Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
    • 4

      Claim Settlement

      Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 72 hours and for planned hospitalisation intimate within 72 hours prior to admission.
    • 3

      Claim Processing

      Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
    • 4

      Claim Settlement

      Once your request for reimbursement of expenses is approved, the claim will be settled.

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