Health Insurance 855 views April 26, 2021

National Super Top Up Mediclaim Policy could be your perfect companion in case of a medical emergency. This health insurance plan from National Insurance Company Limited provides coverage to your family members on a floater basis or each member on an individual sum insured basis. So, in case of a medical emergency, you don’t need to worry about exhausting your finances.

National Super Top Up Mediclaim Policy provides coverage against medical expenses incurred on the treatment exceeding the threshold limit (defined by the insurer). Before going any further, let’s look at its prominent features mentioned below.

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  1. Multiple combinations of threshold and sum insured option
  2. In-patient treatment coverage
  3. HIV Treatment
  4. Modern Treatment coverage
  5. Organ Donor expenses coverage
  6. Lifelong Renewability
  7. One-year waiting period for all pre-existing diseases
  8. Daily Hospital Cash benefit
  9. 15-day free look period
  10. Tax Benefits on premiums paid towards the policy

This page could help you understand all these features of the National Super Top Up Mediclaim Policy in detail. We will be discussing each of them one after another. So, without any further delay, let’s start!

Let’s Discuss the Features of National Super Top Up Mediclaim Policy in Detail

National Super Top Up Mediclaim Policy is a high threshold indemnity health insurance plan with which individuals can ensure financial independence in a medical crisis. Let’s check its features below!

Multiple Threshold and Sum Insured Combinations

Policyholders can choose from different combinations of thresholds and sum insured with the Super Top Up Mediclaim plan. To know more, you can check the below table.

Threshold (in INR)Sum Insured (above threshold) (in INR)
2 lakh3/ 5 lakh
3 lakh3/ 5/ 7 lakh
5 lakh5/ 7/ 10 lakh
8 lakh10/ 15 lakh
10 lakh15/20 lakh

Meaning of Threshold – Suppose you choose a sum insured of INR 3 lakh. To get the coverage, your overall medical expenses should be a minimum of INR 2 lakh.

Enhancement of Sum Insured

Policyholders can also enhance their sum insured and/or threshold at the time of renewal of the policy. Do remember that coverage on the enhanced sum insured will be available after the completion of waiting periods.

In-patient Treatment Coverage

Policyholders will get coverage against the expenses incurred towards the hospitalization for a minimum of 24 hours for the due treatment. These expenses will include hospital room rent charges, nursing, ICU charges, operation theatre charges, fees of surgeon/anesthetist/ qualified nurse, diagnostic procedures, blood, oxygen, plastic surgery, vitamins & tonics, etc.

HIV Treatment Coverage

With this plan from National Insurance Company Limited, policyholders can also get coverage against the expenses incurred on the treatment of HIV, AIDS and its complications after a waiting period of 3 months from the issue date of the policy. The following stages of HIV infection will be covered.

  1. Acute HIV Infection – acute flu-like symptoms
  2. Clinical latency – usually asymptomatic or mild symptoms
  3. AIDS – full-blown diseases with CD4 less than 200

Pre- and Post-Hospitalization Expenses

This health insurance plan also reimburses the medical expenses incurred up to 30 days before the hospitalization and 60 days after getting discharged from the hospital. The coverage will be up to the sum insured of your plan.

Organ Donor’s Medical Expenses

National Super Top Up Mediclaim Policy covers the medical expenses of the organ donor incurred during the organ transplantation surgery of an insured person. It also reimburses the pre and post-hospitalization expenses regarding the transplantation.

Daily Hospital Cash Benefit

Your policy will also provide a daily hospital cash allowance up to a specified limit for a maximum of five days if the hospitalization exceeds three days. To know more, check the below table.

In case of Hospitalization ofDaily Hospital Cash Allowance
3 days (threshold not exhausted)Nil
5 days (threshold not exhausted)Nil
5 days (threshold exhausted)Payable for 4th and 5th day only
10 days (threshold exhausted)Payable for 4th to 8th day (a maximum of 5 days)
Less than 24 hoursDisqualified for the purpose of the payment of hospital cash

Modern Treatment Coverage

This policy from National Insurance Company Limited will also cover expenses incurred on the treatment of the following modern treatments. Please check!

  1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
  2. Balloon Sinuplasty
  3. Deep Brain stimulation
  4. Oral chemotherapy
  5. Immunotherapy-Monoclonal Antibody to be given as an injection
  6. Intra vitreal injections
  7. Robotic surgeries
  8. Stereotactic radio surgeries
  9. Bronchial Thermoplasty
  10.  Vaporization of the prostate (Green laser treatment or holmium laser treatment)
  11.  IONM (Intra Operative Neuro Monitoring)
  12.  Stem cell therapy – Hematopoietic stem cells for bone marrow transplant

Note: Maximum claim amount for any modern treatment will be 25% of the overall sum insured.

What is the Policy Term of National Super Top Up Mediclaim Policy?

The policy can be issued for 1 year. However, with the lifelong renewability option, you can renew it every year.

National Super Top Up Mediclaim Policy Eligibility Criteria

Let’s check the conditions related to the National Super Top Up Mediclaim Policy eligibility criteria mentioned below.

  1. The entry age of a policyholder can range from 18 to 65 years.
  2. The maximum entry age of any family member can be 65 years.
  3. With this policy, you can cover self, spouse, dependents (legitimate or legally adopted) children, parents/parents-in-law, and newborn between 3 months and 18 years.
  4. This policy can be taken with or without a base health insurance plan.

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