Your health, secured anytime, anywhere. The National Super Top Up Mediclaim Policy is a flexible, highsuminsured health insurance product designed for individuals and families who already own a base mediclaim cover. It works as a topup the insurer steps in only after the primary policys limit is exhausted, providing an additional layer of financial protection against large medical bills. Key highlights include: This policy bridges the gap between ordinary mediclaim and catastrophic health expenses. The main benefits are: Quick tip: If you already have a policy with a sum insured of INR1Lakh, pairing it with a Super Top Up of INR5Lakhs effectively gives you a total cover of INR6Lakhs, without a proportional rise in premium. The Super Top Up is open to Indian residents aged 18 to 70 years at the time of purchase. The applicant must already possess a primary health insurance policy (the base policy). There is no minimum premium requirement for the base policy, but the base policy must be active throughout the tenure of the topup cover. Documents typically required during enrolment: The Super Top Up provides indemnity after the deductible (the limit of the base policy) is exhausted. Coverage includes: Policyholders can also opt for an addon covering daycare procedures, ambulance charges, and Domiciliary Treatment (treatment at home) for a nominal additional premium. While the policy is extensive, certain situations are excluded: It is advisable to read the detailed Policy Wordings to understand specific sublimits and copay requirements, if any. Filing a claim is straightforward, especially when you use a network hospital for cashless treatment. Always retain copies of every document and note the claim reference number for future followup. The insurer has a nationwide network of over 8,000 hospitals, ranging from multispecialty corporate hospitals to tier2 city medical centres. You can locate a network hospital using the Hospital Locator tool on the insurers website or mobile app. Features of the network include: If your preferred hospital is not in the network, you can still claim on a reimbursement basis, provided you follow the documentation checklist. The Super Top Up is offered for a policy term of 1 year, with automatic renewal options. Premium is calculated on the basis of: Premiums are payable annually, semiannually, or quarterly, with a nominal surcharge for more frequent payments. No medical tests are required for renewal unless the insurer requests a health update after a claim or after three consecutive claimfree years. Premiums paid for the Super Top Up Mediclaim policy qualify for deduction under Section80D of the Income Tax Act, 1961. The maximum allowable deduction is: Ensure you retain the premium receipt and the policy schedule for filing your income tax return. No. The product is designed to complement an existing health insurance cover. The base policys limit acts as the deductible. The Super Top Up will not be triggered until the base policys sum insured is exhausted. If the base cover remains partially unused, the topup remains dormant for that claim. Yes. Preexisting diseases are covered after a 24month waiting period from the policy start date. Some chronic conditions may have a longer waiting period as per the policy wording. Upgrades are possible only at the time of renewal. The insurer will recalculate the premium based on the new sum insured and age. The deductible equals the total sum insured of your primary mediclaim policy. For example, if the base policy has INR2Lakhs cover, the Super Top Up will start paying from the 2Lakh mark onward. Standard Super Top Up covers only inpatient expenses. However, you can purchase an optional Outpatient Cover rider for a modest additional premium.
National Super Top Up Mediclaim Policy
Policy Overview
Why Choose the Super Top Up?
Eligibility Criteria
Scope of Coverage
Exclusions & Limitations
How to File a Claim
Cashless Claim (Preferred)
Reimbursement Claim (if cashless not possible)
Network Hospitals & Cashless Facility
Renewal, Premium, and Policy Term
Tax Benefits
Frequently Asked Questions
1. Can I buy a Super Top Up without a base policy?
2. What happens if my base policys limit is not fully utilized?
3. Is there a waiting period for preexisting illnesses?
4. Can I increase the sum insured during the policy term?
5. How is the deductible calculated?
6. Are outpatient expenses covered?
7. What is the claim
New India Assurance Top Up Mediclaim Policy and Reference File Download Link
