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 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 if 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 lakh and going up till Rs. 20 lakh with 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 till Rs. 20 lakh with 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 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 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 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