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What We Like

This section highlights the strengths and benefits of National Super Top-up Mediclaim policy by National Insurance. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You’ll never have to split the bill

Full Coverage (No Co-Payment): The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny, meani...

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You can pick any room you like

Room Rent Flexibility: You can choose any room, whether it's a shared room, single room, or deluxe room, as there are no restrictions on room rent wit...

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Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (30 days/60 days): No worries if the doctor has to run a series of diagnostic tests before or after hospitalizing you. The i...

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Some Cover for Alternative Medicine

Alternative Treatment Full Coverage (100%): Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insur...

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Your insurer won’t pay the full bill for certain diseases

Modern Treatments (25% Limit): Modern treatments are covered up to 25% of the sum insured.

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Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

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What Is Okay

This section outlines the satisfactory but not exceptional aspects of National Super Top-up Mediclaim policy by National Insurance. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Reasonable waiting period for pre-existing diseases

Gradual Coverage Increase: Coverage increases over time—up to 50% after 1 year, 75% after 2 years, and 100% after 3 years.

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What We Don't Like

This section addresses the limitations and drawbacks of National Super Top-up Mediclaim policy by National Insurance. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

No Restoration Benefit

Gradual Coverage Increase: Coverage increases over time—up to 50% after 1 year, 75% after 2 years, and 100% after 3 years.

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