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National Health Insurance Top Up Plans
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There are times when your health insurance coverage ends midway through a serious medical treatment. This is exactly where the top up plans come in clutch! If your current plan does go bust during such a health crisis, you might find yourself left in a lot of trouble as expensive medical bills pile up. You could end up borrowing money from friends and family members or even resorting to filing for bankruptcy. To avoid all of these, you need top up plans that can be purchased either online or from the comfort of your home! National General health insurance top up plans are available at attractive prices.
As one of the leading general insurance providers in the country, National General offers complete health insurance to its diverse client base. This wide range of health policies make this insurance one of the most preferred choices among the customers.
This page will go over the details of the top up policy of National health insurance.
National Health Insurance Top Up Plan Highlights
More often than not, you will find yourself in a lot of trouble if your health insurance coverage exhausts midway through a serious medical treatment. This is exactly where the top up plans come in clutch! National General offers to top up health insurance at low prices. If you are an individual and looking for affordable health coverage, National General is to go to.
The plan highlights include:
- The sum insured ranges from INR 3 lakhs to INR 20 lakhs
- The deductible amount ranges from INR 2 lakhs to 10 lakhs
- The policy offers both individual and family floater sum insured basis.
- Allopathy, Ayurveda and Homoeopathy treatments are covered
- Lifetime renewals are covered
- Insurance portability is covered as per guidelines of IRDAI
Types of National Health Top Up Plans
Here are the types of health top up plans offered by National health insurance:
1. National Super Top Up Mediclaim Policy
|Sum Insured||INR 3 lakhs to INR 20 lakhs|
|Deductible Amount||INR 2 lakhs to 10 lakhs|
|Age Requirement||18 years – 65 years|
National Top Up Plan: Key Features and Benefits
The following is a summary of the benefits you will receive once you top up National health insurance plans:
- Alternative Treatments
We love our country and believe in the ethos of allopathy, Ayurveda and homoeopathy. All of these traditional systems have evolved over centuries to help treat our illnesses. As a collaborative initiative with various medical institutions, National health insurance super top up plans are now bringing them together under one umbrella for you to get access to affordable and quality treatment. All these alternative treatment procedures are covered up to the total sum insured amount.
- Advanced Treatments
Patients in India are increasingly seeing the need for advanced medical treatments and procedures. This can be due in part to a rapid increase in the number of patients relying on affordable healthcare services. This has led to a rise of new products, like robotics medical treatment, helping improve the quality and speed of patient care. National health insurance super top up plans offer 12 modern treatment coverages like oral chemotherapy, robotic surgery, immunotherapy and others.
- Quick Claim Settlements
The National health super top up policy offers fast and convenient claims settlement. For a long time, customers had to wait for their insurance benefits to be processed and paid out by their current insurance provider. This could lead to a delay in receiving funds which were originally intended for you. But now with the introduction of this new policy, it allows you to claim your money much faster than before - with no waiting period at all!
- Tax Breaks
Income Tax Act Section 80D offers tax breaks to policyholders who are paying health insurance premiums. This tax benefit is set up to a limit of INR 50,000 for individuals who are paying premiums for health insurance plans and are currently 60 years old or older. The same limit is reduced to INR 25,000 for policyholders under the age of 60 years. So, if you have a senior citizen in your policy coverage, you can receive tax benefits up to INR 75,000. Similarly, if you have two senior citizens in a health insurance policy, you can get tax breaks up to INR 1 lakh.
Inclusions of the National Health Insurance Top Up Policy
The policy coverage includes:
- In-patient hospitalisation
- Ayurveda and homeopathy
- Day care treatment
- Morbid obesity treatment
- Organ donor cover
- Advanced treatment
- Maternity cover
- Refractive error correction
- Mental illness cover
- Policy migration without threshold
- Ambulance expenses
- Hospital daily cash benefit
Exclusions of the National Health Insurance Top Up Policy
The policy exclusions include:
- Claims arising during the initial 30-day waiting period, except for accidental injuries
- Pre-existing diseases within their 12-month waiting tenure
- Specified diseases within their waiting tenures
- Gender swap treatments
- Plastic or cosmetic surgeries
- Treatment from excluded healthcare providers
- Tonics, vitamins, alcohol abuse
- Home visit charges
- Non-prescription drugs
- Dental treatment (unless required for treatment)
- OPD treatment
|Entry age||18-65 years|
|Coverage Type||Individual / Family Floater|
|Covered Relationships||Self, spouse, dependent children, parent(s), parent(s)-in-law, new-born (3 months -18 years)|
Things to Consider When Buying National Health Insurance Top Up Plans
You need to keep these pointers in mind when shopping for National health insurance top up plans:
- Deductible Amount
Deductible amount is the sum you need to pay for the top up coverage to kick in. This sum can either be deducted from the base health insurance plan or self-funding. The deductible amount ranges from INR 2 lakhs to 10 lakhs for this National health top up policy.
- Sum Insured
The sum insured is the amount you will receive coverage for once the deductible amount is spent. The higher the sum insured amount is, the higher the deductible amount will be. The sum insured ranges from INR 3 lakhs to INR 20 lakhs for this National health top up policy.
- Optional Coverage
The policy offers the following optional coverage to the policyholders:
- Policy migration without threshold
- Ambulance expenses
- Hospital daily cash benefit
All these are essential coverage in their respective terms but they do increase the policy premium amount quite a bit. Keep in mind all these when you top up your National health insurance plan.
How to Buy National Health Top Up Policy?
Here is a step-by-step breakdown of the process of buying a National health top-up health insurance policy:
- Visit Paytm Insurance.
- Choose 'health insurance.'
- Select 'National Insurance' from the drop-down menu.
- Fill up and send the short survey.
- Add your pin code and date of birth.
- You will be sent to a fresh page that lists all the available health insurance policies.
- Review and contrast the plans before purchasing the one you require with Paytm Insurance.
National Health Insurance Top Up Plans FAQs
1. What is the highest amount of sum insured can I receive from National health insurance top up plans?
The plan offers the sum insured from INR 3 lakhs to INR 20 lakhs.
2. What is the lowest deductible amount can I set for National health insurance top up plans?
The plan has deductible amounts from INR 2 lakhs to INR 10 lakhs.
3. Do National health insurance top up plans cover alternative treatment methods?
Yes. Allopathy, Ayurveda and homoeopathy treatments are covered by the policy.
4. Does National health insurance top up coverage include pre-existing disease cover?
Yes. The top up policy from National General covers pre-existing diseases after a waiting term of 12 months.
5. Who is eligible to purchase National health insurance top up plans?
Anyone within the entry age limit of 18 to 65 years is eligible to purchase National health insurance top up plans.
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