National Super Top-up Mediclaim Policy

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common room categories covered under room rent are:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under the National Super Top Up Mediclaim Plan?

Under National Super Top Up Mediclaim Plan, the room rent is covered up to SI.

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under the National Super Top Up Mediclaim Plan?

Under National Super Top Up Mediclaim Plan, ICU charges are covered up to SI.

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under the National Super Top Up Mediclaim Plan?

This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under the National Super Top Up Mediclaim Plan?

This plan covers medical expenses incurred during post-hospitalization for up to 60 days.

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under the National Super Top Up Mediclaim Plan?

Under the National Super Top-Up Mediclaim Plan, domiciliary hospitalization is not covered.

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under the National Super Top Up Mediclaim Plan?

National Super Top-Up Mediclaim Plan covers the expenses of 140 daycare procedures.

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under the National Super Top Up Mediclaim Plan?

National Super Top-Up Mediclaim Plan does not cover OPD charges.

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.

Coverage status under the National Super Top Up Mediclaim Plan?

COVID-19 treatment coverage is not available under this plan.

A common eye condition in which your vision gets blurred.

Coverage status under the National Super Top Up Mediclaim Plan?

National Super Top-Up Mediclaim Plan covers Cataract treatment.

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under the National Super Top Up Mediclaim Plan?

The cumulative Bonus is available at 5% of the Sum Insured Limit for each claim-free year.

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under the National Super Top Up Mediclaim Plan?

Not Applicable.

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under the National Super Top Up Mediclaim Plan?

The daily hospital cash is available in the following conditions:

• Sum Insured 10 Lakh, ₹ 1,000 per day for 5 days per individual
• Above Sum Insured 10 Lakh, ₹ 2,000 per day for 5 days per individual

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under the National Super Top Up Mediclaim Plan?

Under the plan, Organ Donor expenses are covered up to SI.

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under the National Super Top Up Mediclaim Plan?

National Super Top-Up Mediclaim Plan covers Maternity expenses up to actual expenses.

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under the National Super Top Up Mediclaim Plan?

Under the National Super Top Up Mediclaim Policy AYUSH treatment is covered up to SI.

Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under the National Super Top Up Mediclaim Plan?

Under National Super Top Up Mediclaim Policy modern treatments are covered up to 25% of SI.

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under the National Super Top Up Mediclaim Plan?

Under the National Super Top-Up Mediclaim Policy ambulance charges are covered up to the actual charges.

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under the National Super Top Up Mediclaim Plan?

Not covered

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under the National Super Top Up Mediclaim Plan?

Not available

Any kind of medical/health emergency when you are outside of India.

Coverage status under the National Super Top Up Mediclaim Plan?

Not available

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under the National Super Top Up Mediclaim Plan?

The plan does not cover the expenses for e-consultation.

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under the National Super Top Up Mediclaim Plan?

Under National Super Top Up Mediclaim Health Plan, health checkup is not available..

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under the National Super Top Up Mediclaim Plan?

Not Covered

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under the National Super Top Up Mediclaim Plan?

The plan does not cover vaccination expenses.

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under National Mediclaim Policy?

Applicable, 10% co-pay on all claims.

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under National Mediclaim Policy?

Applicable

• Room rent: Covered upto Sum Insured
• Hospital Cash

Sum Insured 10 Lakh, ₹ 1,000 per day for 5 days per individual

Above Sum Insured 10 Lakh, ₹ 2,000 per day for 5 days per individual