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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 DETAILS |
Super Top Up Mediclaim Policy |
Senior Citizen Mediclaim Policy |
| Product Type | Top Up and Super Top Up | Senior Citizen Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
3200 | 3200 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Covered |
| Plan Entry Age | Children: 3 months to 18 years, Adult: 18 to 65 years | 60 to 80 Years |
| Plan Premium Entry Age and S/A | 1,090 | 7,313 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | Individual/ Family Floater |
| Plan Sample Premium | 1,090 | 7,313 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 year | 1 Year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 91.31 | 91.31 |
| Solvency Ratio | -0.67 | -0.67 |
|
National Health Insurance National Health Insurance |
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