National Health Insurance Top-up & Super Top-up Plans

A super top-up policy offers additional health insurance coverage to the insured when not a single claim (as in the case of top-up plans), but multiple claims go beyond the threshold limit of the insurance cover. In a super top-up policy, the total of all bills are submitted, irrespective of whether they are for a single illness or multiple ones. A super top-up policy is an ideal choice for those suffering from any affliction that may require several and frequent hospitalisations. Also, the premium paid for a super top-up policy is eligible for tax benefits under Section 80D of the Income Tax Act, 1961.

National Super Top-Up Mediclaim Policy

Super Top-Up Mediclaim Policy is a suitable health insurance policy that comes with a wide range of sum insured options starting from Rs. 3 lahks and going up to Rs. 20 lahks with a threshold limit between Rs. 2 lakh and Rs. 10 lakh. The policy offers several benefits to the policyholders, some of which are stated below:

Key Benefits of National Super Top-Up Mediclaim Policy

Super Top-Up Mediclaim Policy is a suitable health insurance policy for people looking for high-sum insured options at reasonable premiums. The policy provides the insured coverage for reasonable, customary, and medically necessary expenses. It comes with a wide range of sum insured options starting from Rs. 3 lakh and going up to Rs. 20 lakh with a threshold limit between Rs. 2 lakh and Rs. 10 lakh. The policy offers several benefits to the policyholders, some of which are stated below:

• Higher sum insured with a low premium
• Comprehensive coverage
• Direct claim settlement
• Cover for self, spouse, dependent children (natural or legally adopted), parents or parents-in-law, and newborn aged between 3 months and 18 years
• Tax benefits under Section 80D of the Income Tax Act, 1961.

Who Can Buy This Plan?

People aged between 18 years and 65 years can buy the National Super Top-Up Mediclaim Policy.

Waiting Period Under the Plan

The waiting period for pre-existing diseases is 12 months. The policy comes with a waiting period of 36 months for maternity, HIV/AIDS, and related complications after a waiting period of 3 months, and specified waiting periods for specific illnesses. Note that the waiting period is calculated from the date of inception of the policy.

Renewability of the Plan

National Super Top-Up Mediclaim Policy comes with a lifetime renewability benefit.

Exclusions Under the Plan

National health insurance company Super Top-Up Mediclaim Policy does not cover the insured for the following expenses:

• Self-inflicted injuries
• Non-allopathic treatment
• Sexually transmitted diseases
• Any kind of psychological counseling
• Treatment of obesity or cosmetic surgery