What is New India Super Top-Up Health Insurance?

It is a supplementary plan that covers medical expenses once your chosen deductible is exceeded, providing extended financial protection at affordable premiums beyond your base health policy.

Can my family be included on one policy?

Yes, the plan can be issued on an individual or family floater basis, covering multiple members under one sum insured.

Are daycare treatments covered?

Yes, eligible daycare procedures not requiring a 24-hour hospital stay are covered once the deductible is met.

Is cashless treatment available?

Yes, the plan offers cashless treatment at network hospitals as per policy rules and deductibles.

What medical expenses are covered?

Eligible hospitalisation costs such as room rent, ICU charges, doctor fees, ambulance services, and organ donor expenses are covered once the deductible is exceeded.

Do I need a base health policy to buy it?

No, the Super Top-Up can be purchased independently, though having a base policy helps meet the deductible and ensures smoother cashless claim settlement.

Are pre-existing diseases covered?

Yes, pre-existing conditions are covered after completing the mandatory waiting period specified in the policy terms.

How does a Super Top-Up plan work?

If your total yearly hospitalisation bills exceed the deductible threshold, this plan pays eligible expenses up to the sum insured for the remainder of the policy year.

What is a deductible in this policy?

The deductible is the amount you must first pay, either out-of-pocket or via a base policy, before the Super Top-Up begins covering eligible expenses.

Are AYUSH treatments covered?

Yes, treatments under Ayurveda, Homeopathy, and other AYUSH systems are included within eligible hospitalisation expenses.

Does the plan offer tax benefits?

Premiums paid for this plan may qualify for deductions under Section 80D of the Income Tax Act, subject to applicable limits.

What happens if multiple claims occur in a year?

All claims are aggregated for the policy year. Once total expenses exceed the deductible, the Super Top-Up covers further eligible costs up to the sum insured.

What are common exclusions under this plan?

Exclusions typically include conditions within waiting periods, cosmetic treatments, experimental procedures, self-inflicted injuries, substance abuse, and treatment outside India.

Can I file a reimbursement claim?

Yes, for non-network hospitals, you pay the bills and submit all required documents for reimbursement within the claim timeline.

What age groups are eligible?

Adults aged 18–65 years and dependents from 3 months to 65 years can be covered under the plan.

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New India Super Top-up Health Insurance Plan

Why is Super Top-Up a Smart Choice?
A Super Top-Up is smart because it gives you high additional coverage at a much lower premium than a regular health insurance plan.

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92.90 %

Claim Paid Within 3 months

9480

Network Hospitals

1- 50

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24x7

Customer Support

Our Verdict

Our Verdict on New India Super Top-up Health Insurance

Pros

Individual and family floater options available.

Cashless treatment at numerous network hospitals.

Affordable way to boost existing coverage.

Reliable claim support with a strong settlement record.

Cons

Sum insured may be modest for very high medical costs.

Limited OPD and maternity benefits.

Longer waiting periods for pre-existing conditions.

Coverage limits are lower than some private insurers.

Pros

Individual and family floater options available.

Cashless treatment at numerous network hospitals.

Affordable way to boost existing coverage.

Reliable claim support with a strong settlement record.

Cons

Sum insured may be modest for very high medical costs.

Limited OPD and maternity benefits.

Longer waiting periods for pre-existing conditions.

Coverage limits are lower than some private insurers.

Final Verdict

New India Super Top-up Health Insurance Plan

Customer Testimonials

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

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

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

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

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

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 New India Super Top Up Mediclaim Policy

Review Your Base Coverage

Ensure your existing health policy adequately covers routine medical needs. Super Top-Up is best for supplementing high-cost hospital bills.

Choose the Right Deductible

Select a deductible you can comfortably manage. A higher deductible lowers premiums but increases out-of-pocket expense before cover begins.

Sum Insured Limit

Pick a sum insured that reflects your risk profile, expected medical costs, family size, and future healthcare needs.

Waiting Period for Pre-Existing Conditions

Check how long you must wait before pre-existing diseases become eligible for coverage. Shorter waiting periods are more beneficial.

Network Hospitals

Look at the size and reach of New India’s cashless hospital network to ensure easy access wherever you live.

Add-On Benefits

Look at the size and reach of New India’s cashless hospital network to ensure easy access wherever you live.

Claim Support & Service Quality

Evaluate the insurer’s claim settlement experience, customer support, and turnaround time for cashless approvals.

Premium Affordability & Renewability

Make sure premiums fit your budget and check for lifetime renewability to avoid coverage gaps as you age.

Review Your Base Coverage

Ensure your existing health policy adequately covers routine medical needs. Super Top-Up is best for supplementing high-cost hospital bills.

Choose the Right Deductible

Select a deductible you can comfortably manage. A higher deductible lowers premiums but increases out-of-pocket expense before cover begins.

Sum Insured Limit

Pick a sum insured that reflects your risk profile, expected medical costs, family size, and future healthcare needs.

Waiting Period for Pre-Existing Conditions

Check how long you must wait before pre-existing diseases become eligible for coverage. Shorter waiting periods are more beneficial.

Network Hospitals

Look at the size and reach of New India’s cashless hospital network to ensure easy access wherever you live.

Add-On Benefits

Look at the size and reach of New India’s cashless hospital network to ensure easy access wherever you live.

Claim Support & Service Quality

Evaluate the insurer’s claim settlement experience, customer support, and turnaround time for cashless approvals.

Premium Affordability & Renewability

Make sure premiums fit your budget and check for lifetime renewability to avoid coverage gaps as you age.

Super Top Up

Inclusions & Exclusions of New India Under Super Top Up Health Insurance Plan

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

Inclusions

Daily cash/get‑well benefits for hospitalisation

Cataract & specified treatments after waiting period

Ambulance charges for emergencies

Organ donor medical and surgical costs

Daycare procedures (<24 hours)

AYUSH (Ayurveda, Homeopathy) treatments

Hospitalisation expenses after deductible is crossed

Exclusions

Congenital & genetic disorders

Treatment outside India

Self-inflicted injuries & substance abuse

Non-medical/lifestyle items (spectacles, dental prosthetics)

Cosmetic or aesthetic procedures

Specified waiting period illnesses (e.g., diabetes, hernia)

Pre-existing conditions before waiting period

Inclusions

Daily cash/get‑well benefits for hospitalisation

Cataract & specified treatments after waiting period

Ambulance charges for emergencies

Organ donor medical and surgical costs

Daycare procedures (<24 hours)

AYUSH (Ayurveda, Homeopathy) treatments

Hospitalisation expenses after deductible is crossed

Exclusions

Congenital & genetic disorders

Treatment outside India

Self-inflicted injuries & substance abuse

Non-medical/lifestyle items (spectacles, dental prosthetics)

Cosmetic or aesthetic procedures

Specified waiting period illnesses (e.g., diabetes, hernia)

Pre-existing conditions before waiting period

New India Super Top-up Health Insurance Plan

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Super Top-up

Claim Process for New India Super Top-up Health Insurance Policy

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How to Renew New India Super Top Up Health Insurance Premium

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How to Buy New India Super Top Up Health Insurance Plans

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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.