Best Health Insurance Plans
Extensive Plan Choices
Round-the-Clock Claim Support
Dedicated Expert Guidance
- 01
Sum Insured
Rs. 3 lakh to Rs. 20 lakh
- 02
Minimum Entry Age
Individual policy: 18 years
Family Floater policy: 3 months - 03
Maximum Entry Age
Adults: 65 years
Dependent children: 18 years - 04
Deductible Amount
Rs. 2 lakh to Rs. 10 lakhs
- 05
Pre-existing disease waiting period
48 months
- 06
Day care treatments
140
Main Benefits of the National Super Top-up Mediclaim Policy
Here are some simple things that can affect how much you pay when you renew your National Health Insurance policy:Helps with high medical costs
This policy supports you when hospital bills become too expensive.
No limits on room rent or doctor fees
You can get back the full amount you spend on room rent and doctor fees. There are no small limits on these.
Cashless treatment in many hospitals
You can get treatment without paying money first at over 6000 hospitals in more than 12 cities.
Fixed rates for some surgeries
Some surgeries have set prices in network hospitals, so you know what to expect.
Bonus for no claims
If you don’t make a claim in a year, your insurance amount goes up by 5% every year, up to 50% extra.
Good claim approval record
National Insurance has a claim settlement rate of 84.61%, which means they pay most of the claims.
Health Insurance Plans By National
What is Covered and Not Covered in the National Super Top-Up Mediclaim Policy?
This policy covers the following and does not cover the following
Covered
- Mental illness, HIV/AIDS, and genetic diseases are covered under this plan.
- Bariatric (weight loss) surgery and maternity care are covered up to the full insured amount.
- Ayurveda, Homeopathy, and Allopathy treatments are all included.
- Costs for the organ donor and medical expenses before and after hospital stay are covered up to the insured amount.
- Hospital stay costs like room rent, ICU charges, and fees for doctors, surgeons, anaesthetists, and specialists are all included.
- Adventure and risky sports injuries (for non-professional activities like trekking) are covered, but with some limits.
- Eye surgery (vision correction) and treatment for morbid obesity are covered, but only after a waiting period.
Not Covered
- Medicines without a doctor’s prescription (non-prescription drugs).
- Vitamins and tonics, unless a doctor says they are needed for treatment.
- Health problems caused by alcohol or drug abuse are not covered.
- Injuries you cause to yourself on purpose (self-harm) are not included.
- Doctor’s home visit charges are not paid by the policy.
- OPD treatments (like regular checkups or small treatments without a hospital stay) are not covered.