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National Senior Citizen Policy
National Senior Citizen Mediclaim Policy is a plan designed for senior citizens, allowing them to live a relaxed life post-retirement. It c…
- Reinstatement of Sum Insured
- Cataract
- Ambulance Cover
National Health Insurance
Super Top-up Mediclaim Policy
National Super Top-up Mediclaim Policy is a high-threshold health insu ...Read More
Up to 2 Crores
Sum insured
1
No. of plans
850+
Pan India presence
91.31%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,705 reviews
🏥 3,200+ hospitals
📊 -0.67 solvency ratio
✅ 91.31% claim settlement
About Super Top-up Mediclaim Policy
A quick read on what this National Health Insurance plan covers and why it might be a fit for you.
National Super Top-up Mediclaim Policy is a high-threshold health insurance product, covering family members under a single sum insured on a floater basis or on an individual sum insured basis for each member. It offers customers the option to choose a high sum insured at a reasonable cost and can be taken with or without a base policy.
National Insurance Super Top-up provides unique features that address all health-related concerns of policyholders. Individuals aged between 18 and 65 years can purchase this policy. It can cover self, legally wedded spouse, dependent legitimate or legally adopted children, parents/parents-in-law, and newborn babies aged between 3 months and 18 months.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Children: 3 months to 18 years, Adult: 18 to 65 years
Plan type
Top Up and Super Top Up
Sum insured options
₹3 L, ₹5 L, ₹7 L, ₹10 L, ₹15 L, ₹20 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1 year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Organ donation covered
- Morbid obesity treatment covered
- Portability allowed
- High SI
Cons
- Treatment outside India
- OPD diagnosis
- Adventure sport injuries
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Not covered
- Sub-limits Covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
National Health Insurance
This video explains National Health Insurance in detail.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Hospitalization due to war, riot, strike, and nuclear weapons
- Intentional self-injury
- AIDS
- Miscarriage and abortion
- Congenital disease
- Infertility and in vitro fertilization
- Pre-existing diseases after 36 months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 18 years
- Max entry age: 65 years
- Initial Waiting Period: 30 days
- Sum Insured: Up to 20 L
Other features & benefits
- Affordable premiums
- Tax benefits
- HIV/AIDS cover
Super Top-up Mediclaim Policy: FAQs
The 4 most-asked questions about Super Top-up Mediclaim Policy, answered.
A super top-up health insurance policy reimburses you for medical expenses that exceed the coverage limit of the policy.
Deductible in a top-up plan are common. It is the limit up to which the insurer will bear the healthcare costs and the remaining will be borne by the policyholder.
National super top-up health insurance policy gives comprehensive coverage for your medical care when the sum insured of your base policy is exhausted.
A top-up insurance policy provides you with extra coverage above a predetermined "threshold limit". It means that if you exhaust the coverage of your base insurance policy, then the coverage of the top-up policy begins.
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