Get answers to common questions about our insurance policies and services.

An affordable plan that provides extra coverage once your deductible or base policy limit is exhausted, helping manage large medical bills without raising your base premium.

Do I need a base policy to buy this plan?

Yes. Coverage activates only after your base health insurance or chosen deductible is crossed, making it a cost-effective way to enhance overall protection.

Who can buy the National Super Top-Up plan?

Adults aged 18–65 can buy it. Children can be included under a family floater. Suitable for individuals, couples, and families seeking higher coverage affordably.

What does the deductible mean in this plan?

The deductible is the amount you must first pay or claim from your base policy. Once crossed, the Super Top-Up covers remaining medical expenses.

What expenses are covered under this plan?

Covers hospitalization, ICU, room rent, surgeries, doctor fees, ambulance, organ donor costs, and daycare procedures, providing broad financial protection for major medical bills.

Does National offer cashless treatment?

Yes. Cashless treatment is available at over 20,000 network hospitals across India. Approved medical expenses are directly settled with the hospital.

Are pre-existing diseases covered?

Yes, after completing the mandatory waiting period. Once over, treatments and hospitalisations related to pre-existing conditions are eligible for claims.

Is a medical check-up required to buy this policy?

Not always. Many applicants, especially younger individuals, can enroll without medical tests. Tests may be required if pre-existing illnesses or higher risk factors are disclosed.

Can my family be included under one plan?

Yes. The family floater option covers your spouse, children, and dependent parents under a single sum insured, offering convenience and affordability.

What is the maximum sum insured available?

Coverage options go up to several crores depending on plan variant and eligibility, providing strong financial support for high-cost medical treatments.

Are modern and advanced treatments covered?

Yes. The plan includes advanced treatments like robotic surgeries, minimally invasive procedures, and modern diagnostics, depending on the specific plan terms.

What expenses are not covered under the policy?

Exclusions include cosmetic surgeries, self-inflicted injuries, substance abuse-related illnesses, experimental treatments, and non-medical expenses. Always review the policy wording.

How can I file a claim under this plan?

Claims can be filed via cashless service at network hospitals or reimbursement at any hospital by submitting required documents within the policy timeline.

Does the plan offer tax benefits?

Yes. Premiums paid qualify for tax deduction under Section 80D, reducing taxable income while securing additional health coverage.

Is the National Super Top-Up plan renewable for life?

Yes. The plan offers lifelong renewability, allowing uninterrupted yearly coverage without age restrictions, ensuring long-term protection for you and your family.

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Top Up Plan

National Super Top-up Health Insurance Plan

Why is a Super Top-Up a Smart Choice?
A Super Top-Up is a smart choice because it offers significantly higher coverage at a fraction of the premium of a regular plan.

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86.30%

Claim Paid Within 3 months

3748+

Network Hospitals

50,000 - 50

Lakh Coverage

24x7

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Our Verdict

Our Verdict on National Super Top-Up Health Insurance

Pros

Access to a large network of cashless hospitals across India.

Affordable premiums compared to increasing base coverage.

Strong claim service record with efficient processing.

Offers wide deductible and high sum insured options, making it flexible for all budgets.

Cons

Cashless network strength varies by city and can be improved in smaller towns.

Some advanced treatments may have sub-limits depending on the plan.

Co-payment may apply for certain age groups or policy types.

Pre-existing disease waiting periods can feel long for some buyers.

Final Verdict

National Super Top-Up Health Insurance is a strong choice for individuals and families seeking large coverage at minimal cost. It works particularly well for those who already have a base health insurance policy but want extra protection against rising medical expenses. The plan’s flexibility in deductibles and high sum insured...

National Super Top-Up Health Insurance is a strong choice for individuals and families seeking large coverage at minimal cost. It works particularly well for those who already have a base health insurance policy but want...

National Super Top-up Health Insurance Plan

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…always been available to assist with any insurance/claim queries.

Nakul N

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

Super Top-Up

Factors to Consider While Buying National Super Top Up Mediclaim Policy

Review Your Current Coverage

Review your current health insurance to see whether it sufficiently covers rising medical costs. A Super Top-Up is useful if your base sum insured falls short.

Choose the Right Deductible

Select a deductible that aligns with your financial comfort. Higher deductibles reduce premiums but increase your out-of-pocket expense before the policy activates.

Consider Your Family Size

For families, opting for a family floater plan is cost-effective and easier to manage, offering shared coverage for all members.

Evaluate Health Needs

Ensure the policy supports your specific medical requirements, especially if you or dependents have ongoing health conditions.

Check Premium Affordability

Pick a premium structure that fits your budget. Aim for strong coverage without creating financial pressure.

Review Your Current Coverage

Review your current health insurance to see whether it sufficiently covers rising medical costs. A Super Top-Up is useful if your base sum insured falls short.

Choose the Right Deductible

Select a deductible that aligns with your financial comfort. Higher deductibles reduce premiums but increase your out-of-pocket expense before the policy activates.

Consider Your Family Size

For families, opting for a family floater plan is cost-effective and easier to manage, offering shared coverage for all members.

Evaluate Health Needs

Ensure the policy supports your specific medical requirements, especially if you or dependents have ongoing health conditions.

Check Premium Affordability

Pick a premium structure that fits your budget. Aim for strong coverage without creating financial pressure.

Super Top-Up

Inclusions & Exclusions of National Under Super Top Up Health Insurance Plan

Here are the main coverages included and and exclusions of National health insurance super top up:

Inclusions

Domiciliary treatments are covered when hospitalisation is not possible.

Emergency ambulance charges are included.

Organ donor medical expenses are covered.

ICU/ICCU expenses are covered within policy limits.

DayNational procedures that don’t require 24-hour admission are included.

Pre- and post-hospitalisation costs covered for a specified number of days.

Covers hospitalisation expenses including room rent, surgery, doctor fees, and nursing after deductible.

Exclusions

Unproven, experimental, or alternative treatments not recognised by the insurer are excluded.

Injuries due to self-harm, alcohol, or drug abuse are excluded.

Maternity, childbirth, and fertility-related treatments are not covered unless specified.

Cosmetic, aesthetic, and plastic surgeries are excluded unless accident-related.

Non-medical and administrative expenses are not covered.

Illnesses diagnosed within the initial 30-day waiting period are excluded (except accidents).

Pre-existing diseases are not covered until the waiting period is completed.

Inclusions

Domiciliary treatments are covered when hospitalisation is not possible.

Emergency ambulance charges are included.

Organ donor medical expenses are covered.

ICU/ICCU expenses are covered within policy limits.

DayNational procedures that don’t require 24-hour admission are included.

Pre- and post-hospitalisation costs covered for a specified number of days.

Covers hospitalisation expenses including room rent, surgery, doctor fees, and nursing after deductible.

Exclusions

Unproven, experimental, or alternative treatments not recognised by the insurer are excluded.

Injuries due to self-harm, alcohol, or drug abuse are excluded.

Maternity, childbirth, and fertility-related treatments are not covered unless specified.

Cosmetic, aesthetic, and plastic surgeries are excluded unless accident-related.

Non-medical and administrative expenses are not covered.

Illnesses diagnosed within the initial 30-day waiting period are excluded (except accidents).

Pre-existing diseases are not covered until the waiting period is completed.

National Super Top-up Health Insurance Plan

Related Health Insurance Plans

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Super Top-Up

Claim Process for National Super Top-up Health Insurance Policy

Notify National

Emergency Treatment: Inform National within 24 hours of admission.
Planned Treatment: Inform at least 3 days before admission.

Choose a Network Hospital

Visit any hospital that is part of National’s network. If you go to a non-network hospital, you will need to pay first and claim later.

Treatment & Final Bill Settlement

After treatment, the hospital sends the final bill directly to National. Approved medical costs are settled by the insurer.
You only pay for non-medical items like meals or personal supplies.

Approval

National processes the request—usually within a few hours. If any extra information is needed, they inform the hospital right away.

Pre-Authorization Process

The hospital fills in the treatment details and estimated expenses. You sign the form, and National reviews it for approval.

Show Your Card and ID

Provide your National health insurance card (digital or physical) and a valid photo ID such as Aadhaar or PAN at the hospital’s insurance desk.

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How to Renew National Super Top Up Health Insurance Premium

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How to Buy National Super Top Up Health Insurance Plans

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Still Confused? Get Expert Guidance

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

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FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.