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National Super Top Up Policy

National Super Top Up health insurance policy covers the members of a family under a single sum insured on floater basis or each member on individual sum insured basis. Visit to know more & choose the best mediclaim policy for your healthcare needs.

Policy typeHealth insurance super top-upInsurerNational Insurance Company LimitedEntry ageProposer and oldest family member: 18 to 65 years; dependent children from 3 months
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National Super Top Up Policy

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Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you this type of customer: Proposer and oldest family member: 18 to 65 years?

Published source: Entry age

2Do you meet this requirement: dependent children from 3 months?

Published source: Entry age

3Do you meet this requirement: It also asks for the prior/current health-policy particulars and supporting prior policy copies when portability is requested?

Published source: Documents for application

4Do you meet this requirement: Medical underwriting or the insurer may require additional information?

Published source: Documents for application

5Are you aged 18 to 65?

6Document checkDo you have this required document or proof: Completed proposal form?

Published source: Documents for application

7Document checkDo you have this required document or proof: Cancelled cheque for bank details?

Published source: Documents for application

8Document checkDo you have this required document or proof: One stamp-size photograph per insured person?

Published source: Documents for application

9Document checkDo you have this required document or proof: Pre-policy check-up report (if applicable)?

Published source: Documents for application
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 13 Sept 2026 · active
National Super Top Up Policy official banner
Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Policy typeHealth insurance super top-upView source
The official page describes individual or floater super top-up cover.
Source
National Super Top Up Policy
Page / section
Policy overview
Accessed
20 Aug 2026
Confidence
high
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InsurerNational Insurance Company LimitedView source
The official product page identifies National Insurance.
Source
National Super Top Up Policy
Page / section
Product identity
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20 Aug 2026
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high
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Entry ageProposer and oldest family member: 18 to 65 years; dependent children from 3 monthsView source
The page gives 65 as the family maximum and covers newborn children from three months.
Source
National Super Top Up Policy
Page / section
Eligibility
Accessed
20 Aug 2026
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high
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Threshold and sum-insured choicesThe current National Insurance UIN wording lists thresholds of ₹2, ₹3, ₹5, ₹8, ₹10 and ₹20 lakh, with corresponding sum-insured options up to ₹80 lakh. Bank of Baroda's current distribution page lists five combinations only through ₹20 lakh. The wider insurer schedule is not proof that every higher option can be purchased through BOB; confirm the channel's available choices before application.View source
The current Table of Benefits lists the ₹20 lakh threshold and ₹20/₹30/₹50/₹80 lakh sums insured. separate current distribution table stops at a ₹10 lakh threshold and ₹15/₹20 lakh sums insured.
Source
National Super Top Up Mediclaim Policy — Policy Wording, NICHLIP24154V042324
Page / section
Page 18, Table of Benefits; compare with Bank of Baroda product page, Policy Details — Highlights
Accessed
13 Sept 2026
Confidence
high
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Waiting periods and phased claimsThe current UIN policy excludes pre-existing diseases and direct complications for 12 months of continuous cover; declared and accepted pre-existing disease claims then pay 50% of the admissible amount in months 13–24, 75% in months 25–36 and 100% after 36 months. Specified lifestyle conditions have a 90-day wait; the policy lists 22 named conditions/procedures with a 1-year wait and 5 with a 2-year wait. A 30-day initial illness wait applies to a new policy (accidents excepted), with the wording's continuous-cover and increased-sum-insured rules. Maternity and morbid-obesity treatment each have a 36-month wait; refractive error and specified mental illnesses have 2-year waits; HIV cover has a 3-month wait. Full condition lists and exceptions are in the attached policy tables/source.View source
Sections 4.1–4.3 specify the 12-month PED period and claim phasing, named condition waiting periods, and initial 30-day illness exclusion; benefit sections separately specify the special waits.
Source
National Super Top Up Mediclaim Policy — Policy Wording, NICHLIP24154V042324
Page / section
Pages 5–10, Sections 3.1.7–3.1.12 and 4.1–4.3; Table of Benefits page 18
Accessed
13 Sept 2026
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high
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Coverage and benefit limitsAfter cumulative eligible medical expenses in a policy year exceed the chosen threshold, inpatient hospital treatment has no stated sub-limit up to the selected sum insured. Cover also includes 30-day pre- and 60-day post-hospitalisation for the same admissible condition; AYUSH inpatient treatment; eligible day-care procedures; organ-donor hospitalisation; HIV/AIDS, maternity, morbid-obesity, mental-illness, refractive-error and 12 modern-treatment benefits subject to their specific waits/conditions; and additional hospital-cash, post-hospitalisation home-visit/nurse/attendant and road-ambulance benefits. Coverage and additional-benefit aggregates remain subject to the policy's threshold and chosen sum insured as specified in the page-18 footnotes.View source
The policy says the coverage benefits apply after the threshold; it lists coverage, additional benefits and two aggregate-limit footnotes in its Table of Benefits.
Source
National Super Top Up Mediclaim Policy — Policy Wording, NICHLIP24154V042324
Page / section
Pages 5–8, Sections 3.1–3.4; Table of Benefits page 18; appendices pages 19–20
Accessed
13 Sept 2026
Confidence
high
Open official source ↗
National Super Top Up thresholdsThreshold and sum-insured combinations are ₹2 lakh threshold with ₹3 lakh or ₹5 lakh sum insured; ₹3 lakh with ₹3 lakh, ₹5 lakh or ₹7 lakh; ₹5 lakh with ₹5 lakh, ₹7 lakh or ₹10 lakh; ₹8 lakh with ₹10 lakh or ₹15 lakh; and ₹10 lakh with ₹15 lakh or ₹20 lakh. The policy can be individual or family floater.View source
The official highlights table publishes each threshold and sum-insured combination.
Source
National Super Top Up Policy
Page / section
Policy Details — Highlights
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
National Super Top Up coverageThe policy covers allopathy, Ayurveda and Homeopathy, inpatient room/ICU and professional fees, organ donor, pre/post hospitalisation of 30/60 days, 12 modern treatments, morbid obesity and refractive errors above -7.5D after waiting periods, mental illness, HIV/AIDS, genetic disorders, and cashless treatment at network hospitals.View source
The official Highlights section publishes treatment, hospitalisation, waiting-period and network features.
Source
National Super Top Up Policy
Page / section
Policy Details — Highlights
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
National Super Top Up eligibilityProposer entry age is 18 to 65 years and the maximum entry age for any family member is 65. Cover can include spouse, dependent legitimate/adopted children, parents/parents-in-law, a newborn from 3 months or an individual aged 18 years.View source
The official Highlights section publishes proposer, family-member and newborn eligibility.
Source
National Super Top Up Policy
Page / section
Policy Details — Highlights
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
National Super Top Up claims and waiting periodsPre-existing diseases are included after the first 12 months, with admissible-claim payment limits of 50% during months 13–24, 75% during months 25–36 and 100% after 36 months. Planned hospitalisation requires notice 72 hours in advance and emergencies within 24 hours; originals are generally due within 15 days after post-hospitalisation.View source
The official Exclusions and Claims sections publish the pre-existing-disease schedule and notification/document deadlines.
Source
National Super Top Up Policy
Page / section
Exclusions / Claims procedure
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Key exclusionsThe official page states that only accident claims are payable during the first 30 days; pre-existing diseases are phased in after 12 months (50% of admissible claim in months 13–24, 75% in months 25–36 and 100% after 36 months). It also lists 90-day, 1-, 2- and 3-year specific-disease waits, change-of-gender treatment, cosmetic/plastic surgery, excluded providers, vitamins/tonics, drug or alcohol abuse, self-inflicted injury, non-prescription drugs, home visits, dental treatment except accident-related hospitalisation and OPD treatment. The policy wording controls the complete list.View source
The Bank of Baroda page publishes the accident-only initial period, the 12–36 month pre-existing-disease claim limits and the named exclusions listed here.
Source
National Super Top Up Policy
Page / section
Exclusions — initial period, pre-existing disease phasing and named exclusions
Accessed
26 Aug 2026
Confidence
high
Open official source ↗
Policy termChoose a 1-year, 2-year or 3-year term; the selected duration is recorded in the policy schedule. The policy can be renewed subject to the current terms.View source
Policy Period means a period of one year, two years or three years as stated in the Schedule; the Table of Benefits gives long-term discounts for 2-year and 3-year policies.
Source
National Super Top Up Mediclaim Policy — Policy Wording, NICHLIP24154V042324
Page / section
Page 4, definition 2.42; Table of Benefits, page 18
Accessed
13 Sept 2026
Confidence
high
Open official source ↗
PremiumThe linked insurer rate chart gives age- and plan-specific premiums: ₹613–₹23,261 for the individual policy or senior-most floater member, plus ₹82–₹13,719 for each additional floater family member, before GST. Rates shown exclude third-party administrator (TPA) charges; opting for TPA service adds 3.5% to the tabulated premium. Published discounts are 10% for direct sales, 5% family discount on individual policies, 5% early-entry discount after continuous renewal conditions, and 3% for a 2-year or 5% for a 3-year term; aggregate discount is capped at 23.5%. The final amount depends on ages, threshold, sum insured, policy basis, term and applicable discounts/TPA choice; use the complete age/plan rate tables and obtain the insurer's payable quote.View source
The chart prints a rupee amount for every age band and threshold/sum-insured combination. It states extra, all rates exclude charges, adds 3.5%, lists four discount rules and caps aggregate discounts at 23.5%.
Source
National Super Top Up Mediclaim Policy — Rate Chart, NICHLIP24154V042324
Page / section
Pages 1–2; four premium matrices and notes below the additional-member matrices
Accessed
13 Sept 2026
Confidence
high
Open official source ↗
Individual or floater basisAvailable on an individual basis for each insured person or on a family-floater basis for the covered members under one sum insured. The threshold and sum insured apply per person for individual policies and to the family collectively for floater policies.View source
The page explains that individual policies apply the threshold and sum insured to each insured person, while floater policies apply both to all insured persons together.
Source
National Super Top Up Policy — official Bank of Baroda page
Page / section
Policy Details — Highlights; Sum Insured () and Threshold
Accessed
8 Sept 2026
Confidence
high
Open official source ↗
Claim-free sum-insured increaseSum insured increases by 5% for each claim-free year, up to a maximum increase of 50% of the opted sum insured.View source
The benefits list says the sum insured increases annually by 5% for each claim-free year, capped at 50% of the opted sum insured.
Source
National Super Top Up Policy — official Bank of Baroda page
Page / section
Benefits
Accessed
8 Sept 2026
Confidence
high
Open official source ↗
RenewabilityRenewable subject to the policy's renewal conditions while the product remains available; a claim in a prior policy year alone is not a ground to deny renewal. The wording states a 30-day grace period for paying renewal premium to preserve continuity benefits, but cover is not available during the grace period.View source
Section 6.9 says a policy will not be non-renewed solely because a claim was made; renewal premium may be paid within a 30-day grace period to maintain continuity, while coverage is unavailable during that period.
Source
National Super Top Up Mediclaim Policy — Policy Wording, NICHLIP24154V042324
Page / section
Pages 12–13, Sections 6.6–6.9
Accessed
13 Sept 2026
Confidence
high
Open official source ↗
PortabilityPortability (migration) to or from a similar product is allowed under IRDAI rules.View source
The page states that portability (migration) is allowed from or to similar products in accordance with guidelines.
Source
National Super Top Up Policy — official Bank of Baroda page
Page / section
Policy Details — Highlights
Accessed
8 Sept 2026
Confidence
high
Open official source ↗
Pre-policy check-upFirst-time proposers aged 50 years or more (including dependants) require a pre-policy check-up. Existing company policyholders continuously covered under a retail indemnity policy for at least 3 years do not require the check-up. If accepted, 50% of the check-up expense is reimbursed; reports must be dated within 30 days before proposal.View source
The page identifies the 50+ first-time proposer rule, the 3-year continuous-cover exemption, the 30-day report window and 50% reimbursement on acceptance.
Source
National Super Top Up Policy — official Bank of Baroda page
Page / section
Pre Policy Check Up
Accessed
8 Sept 2026
Confidence
high
Open official source ↗
Cashless treatmentCashless treatment is available only at the insurer/TPA network hospitals. The first claim that crosses the threshold requires evidence of cumulative expenses before cashless authorisation.View source
The page limits cashless facility to network hospitals and adds a cumulative-medical-expense evidence requirement for the first threshold-crossing claim.
Source
National Super Top Up Policy — official Bank of Baroda page
Page / section
Policy Details — Highlights; Claims Procedure
Accessed
8 Sept 2026
Confidence
high
Open official source ↗
Geographic limitTreatment outside India is excluded; the policy's territorial limit is India.View source
General exclusion 5.20 excludes treatment taken outside the geographical limits of India; Section 6.19 states the territorial jurisdiction/limit.
Source
National Super Top Up Mediclaim Policy — Policy Wording, NICHLIP24154V042324
Page / section
Page 11, Section 5.20; page 16, Section 6.19
Accessed
13 Sept 2026
Confidence
high
Open official source ↗
Documents for applicationThe proposal form lists a completed proposal form, cancelled cheque for bank details, one stamp-size photograph per insured person, pre-policy check-up report where applicable, existing health-policy copies where applicable, one identity proof, one residence proof, income-tax certificate/return where applicable, and PAN details (or Form 60/61 if PAN is unavailable). It also asks for the prior/current health-policy particulars and supporting prior policy copies when portability is requested. Medical underwriting or the insurer may require additional information.View source
Proposal page 1 requires one stamp-size photograph for every insured person; Annexure C lists the documents and detailed identity/residence proof alternatives.
Source
National Super Top Up Mediclaim Policy — Proposal Form and Annexures, NICHLIP24154V042324
Page / section
Pages 1–2 and 6–7, proposal instructions, portability annexure and Annexure C Documents Required
Accessed
13 Sept 2026
Confidence
high
Open official source ↗
Claim documentsThe policy lists a completed claim form; admission prescription; original hospital/chemist bills and receipts for pre-hospitalisation, hospitalisation and post-hospitalisation; investigation bills/reports with prescriptions; diagnosis certificate and diagnosis date; surgeon's diagnosis/operation certificate; implant bills/receipts/stickers; medical history, indoor case papers, discharge summary and final bill breakdown; records from earlier hospitalisations in the same policy year (original or certified copy) and any other assessment document requested by the insurer/TPA. Keep records for every hospitalisation so cumulative expenses can be checked against the threshold.View source
Section 6.17.5 enumerates the reimbursement evidence and requires records for prior hospitalisations in that policy year to calculate cumulative medical expenses and the threshold.
Source
National Super Top Up Mediclaim Policy — Policy Wording, NICHLIP24154V042324
Page / section
Pages 14–15, Sections 6.17.1–6.17.5; compare Claim Form pages 1–7
Accessed
13 Sept 2026
Confidence
high
Open official source ↗
Claim notice and decision timesNotify planned hospitalisation at least 72 hours in advance and an emergency within 24 hours of admission. For cashless claims, the TPA's pre-authorisation target is 1 hour after receiving the last necessary document and final bill authorisation is 3 hours after the hospital's discharge request. Submit reimbursement documents within 15 days after discharge for hospitalisation/pre-hospitalisation/ambulance expenses, and within 15 days after completing post-hospitalisation treatment. The insurer states a 15-day decision target after the last necessary document, extendable to 45 days when investigation is required (with the policy's interest-on-delay rule).View source
The specifies 72/24-hour notice, cashless one-/three-hour turnaround times, 15-day reimbursement submission limits and 15/45-day claim decisions; the policy wording gives corresponding conditions.
Source
National Super Top Up Mediclaim Policy — Customer Information Sheet, NICHLIP24154V042324
Page / section
Pages 4–6; claim notice, document deadlines and claim settlement/turnaround times; policy wording pages 13–15
Accessed
13 Sept 2026
Confidence
high
Open official source ↗
Premium discountsRate-chart discounts: 10% direct sales; 5% family discount only for individual policies; 5% early-entry discount on individual premium when the insured entered before age 42 (completed years) and renewed continuously for 3 years; 3% for a 2-year term and 5% for a 3-year term. The chart caps aggregate discounts at 23.5%; GST is extra and optional TPA service adds 3.5% to tabulated rates.View source
The rate chart specifies the four discounts, eligibility for the family/early-entry discounts and a 23.5% maximum aggregate discount.
Source
National Super Top Up Mediclaim Policy — Rate Chart, NICHLIP24154V042324
Page / section
Page 2, Discount and Capping on Aggregate of Discounts
Accessed
13 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Inpatient hospitalisation after the selected threshold, up to the chosen sum insured; no stated inpatient sub-limits
  • 30-day pre-hospitalisation and 60-day post-hospitalisation for the same admissible condition
  • inpatient treatment, day care, organ donor, /, maternity, morbid-obesity, mental-illness, refractive-error and 12 modern-treatment benefits, subject to their terms and waits
  • Hospital cash, post-hospitalisation home visit/nurse/attendant and road ambulance benefits, subject to limits
  • 5% cumulative bonus for each claim-free year; bonus decreases by 5% per year when a claim is made

Eligibility

  • Bank of Baroda's page states proposer/oldest family-member entry age 18–65 and dependent children from 3 months; the insurer's policy supports individual or floater cover. Confirm the insurer/channel's latest underwriting rules at application.
  • The current insurer policy options go up to ₹80 lakh, but Bank of Baroda's product page lists options only up to ₹20 lakh; availability of higher options through is not confirmed.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Completed proposal form
  • Cancelled cheque for bank details
  • One stamp-size photograph per insured person
  • Pre-policy check-up report (if applicable)
  • Existing health-insurance policy copies (if applicable)
  • One identity proof
  • One residence proof
  • Income-tax certificate/return (where applicable)
  • details; Form 60 or Form 61 if is unavailable
  • Prior/current policy copies for portability (if applicable)

Related official documents

National Super Top Up Mediclaim Policy — Customer Information Sheet, UIN NICHLIP24154V042324official-customer-information-sheet-pdf · current · accessed 13 Sept 2026
↗
National Super Top Up Mediclaim Policy — Cashless and Reimbursement Claim Forms, UIN NICHLIP24154V042324official-insurance-claim-form-pdf · current · accessed 13 Sept 2026
↗
National Super Top Up Mediclaim Policy — National Insurance official product pageofficial-insurer-product-page · current · accessed 13 Sept 2026
↗
National Super Top Up Policy — Bank of Baroda official product pageofficial-product-page · current · accessed 29 Aug 2026
↗
National Super Top Up Mediclaim Policy — Policy Wording, UIN NICHLIP24154V042324official-policy-wording-pdf · current · accessed 13 Sept 2026
↗
National Super Top Up Mediclaim Policy — Proposal Form and Annexures, UIN NICHLIP24154V042324official-insurance-proposal-form-pdf · current-linked-form-with-stale-ped-note · accessed 13 Sept 2026
↗
National Super Top Up Mediclaim Policy — Prospectus, UIN NICHLIP24154V042324official-insurance-prospectus-pdf · current · accessed 13 Sept 2026
↗
National Super Top Up Mediclaim Policy — Rate Chart, UIN NICHLIP24154V042324official-premium-rate-chart-pdf · current-linked-rate-chart · accessed 13 Sept 2026
↗

Plan before applying

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Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees
Income your family may need₹1,00,00,000one crore rupees
Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

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₹2 lakh · Available sum insured₹3 lakh or ₹5 lakh

This value is copied from National Super Top Up — threshold and sum-insured options. Check the table notes before relying on it.

Source: National Super Top Up Policy · Features — threshold and sum-insured options Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 5 rows · 2 columnsNational Super Top Up — threshold and sum-insured optionsThreshold and corresponding available sum-insured options published on the current Bank of Baroda product page.View tableHide table

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National Super Top Up — threshold and sum-insured options
ThresholdAvailable sum insured
₹2 lakh₹3 lakh or ₹5 lakh
₹3 lakh₹3 lakh, ₹5 lakh or ₹7 lakh
₹5 lakh₹5 lakh, ₹7 lakh or ₹10 lakh
₹8 lakh₹10 lakh or ₹15 lakh
₹10 lakh₹15 lakh or ₹20 lakh
  • The page describes these as threshold/sum-insured combinations; premium depends on the selected plan and policy terms.
  • Proposer and oldest family member eligibility is 18–65 years; dependent children can be covered from 3 months.
National Super Top Up Policy · Features — threshold and sum-insured options · accessed 26 Aug 2026Open official source ↗
Table 2 · 15 rows · 12 columnsNational Super Top Up — additional floater family member premium (₹2L/₹3L/₹5L thresholds)Complete first additional-member rate matrix from the current National Insurance rate chart. Each cell is the rupee premium for that member's age band and selected threshold/sum-insured combination.View tableHide table

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National Super Top Up — additional floater family member premium (₹2L/₹3L/₹5L thresholds)
Age band₹2L / ₹3L₹2L / ₹5L₹2L / ₹7L₹3L / ₹3L₹3L / ₹5L₹3L / ₹7L₹3L / ₹10L₹5L / ₹5L₹5L / ₹7L₹5L / ₹10L₹5L / ₹15L
0–511615817610013615119093114158197
6–17127174193110149166209102125173215
18–25290365399214277303388161198273340
26–35321403439235303330424174213293366
36–40582731800427552604772319391538672
41–45582731800427552604772319391538672
46–501,3161,6921,8581,0131,3301,4611,8608149981,3751,717
51–551,6132,0952,3071,2691,6781,8482,3501,0531,2911,7762,221
56–601,9732,6122,8871,6142,1612,3893,0251,4111,7302,3812,977
61–653,8285,1225,6713,1954,3044,7656,0252,8623,5094,8326,038
66–705,0016,7257,4544,2185,6986,3157,9763,8254,6916,4588,070
71–756,8259,20010,2025,7847,8258,67710,9545,2786,4718,90911,140
76–807,2359,75610,8176,1358,3019,20411,6225,6006,8669,45311,819
81–857,50710,12211,2236,3658,6129,54912,0585,8097,1249,80812,262
86 and above8,39811,32412,5557,1219,63510,68313,4906,5007,96910,97313,719
  • The chart labels this as premium for an additional family member under a floater policy. Age bands are member-specific.
  • extra. All listed premiums exclude charges; with service, add 3.5% loading. Conditional discounts and the 23.5% cap are transcribed in the rate-chart terms table.
National Super Top Up Mediclaim Policy — Rate Chart, NICHLIP24154V042324 · Pages 1–2, Premium for Additional Family Member (Floater Policy), ₹2L/₹3L/₹5L threshold matrix · accessed 13 Sept 2026Open official source ↗
Table 3 · 15 rows · 13 columnsNational Super Top Up — additional floater family member premium (₹8L/₹10L/₹20L thresholds)Complete second additional-member rate matrix from the current National Insurance rate chart. Each cell is the rupee premium for that member's age band and selected threshold/sum-insured combination.View tableHide table

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National Super Top Up — additional floater family member premium (₹8L/₹10L/₹20L thresholds)
Age band₹8L / ₹8L₹8L / ₹10L₹8L / ₹15L₹8L / ₹20L₹10L / ₹10L₹10L / ₹15L₹10L / ₹20L₹10L / ₹30L₹20L / ₹20L₹20L / ₹30L₹20L / ₹50L₹20L / ₹80L
0–5117142181216911141361608296111125
6–1712815619923710012514917590106122137
18–25202245314375158197236277142167192215
26–35217264339404170212254298153180207232
36–40400486621741313391466547282331380427
41–45400486621741313391466547282331380427
46–501,0211,2401,5871,8937989971,1901,3977178429691,088
51–551,3201,6032,0512,4461,0311,2901,5381,8069281,0891,2531,406
56–601,7702,1492,7513,2811,3841,7292,0622,4221,2451,4621,6821,888
61–653,5934,3615,5816,6582,8053,5084,1854,9142,5262,9663,4123,829
66–704,8025,8297,4598,8993,7534,6895,5946,5693,3753,9634,5595,117
71–756,6248,04210,29212,2775,1766,4697,7189,0634,6595,4716,2947,063
76–807,0288,53210,91913,0265,4916,8638,1889,6144,9425,8036,6757,491
81–857,2918,85211,32813,5145,6977,1218,4959,9765,1276,0206,9267,773
86 and above8,1589,90412,67415,1196,3747,9679,50411,1605,7366,7367,7498,696
  • The chart labels this as premium for an additional family member under a floater policy. Age bands are member-specific.
  • extra. All listed premiums exclude charges; with service, add 3.5% loading. Conditional discounts and the 23.5% cap are transcribed in the rate-chart terms table.
National Super Top Up Mediclaim Policy — Rate Chart, NICHLIP24154V042324 · Page 2, Premium for Additional Family Member (Floater Policy), ₹8L/₹10L/₹20L threshold matrix · accessed 13 Sept 2026Open official source ↗
Table 4 · 8 rows · 2 columnsNational Super Top Up — rate-chart taxes, service loading and discountsRate-chart notes applying to the individual and floater-member premium matrices.View tableHide table

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National Super Top Up — rate-chart taxes, service loading and discounts
Charge or discountPublished amount and condition
Extra; not included in the tabulated premiums
service loading3.5% added to tabulated premium when service is selected; printed rates exclude charges
Direct-sales discount10%
Family discount5%; individual policies only
Early-entry discount5% on individual premium when the insured entered before completed age 42 and renewed continuously for 3 years
2-year policy discount3%
3-year policy discount5%
Maximum aggregate discount23.5%; rate-chart note describes 5% family + 5% early entry + 5% 3-year + 10% direct, with direct discount applied after adjustment for the other three
  • Premium quote depends on age band, threshold/sum insured, individual/floater basis, additional covered members, term, selection and qualifying discount conditions.
National Super Top Up Mediclaim Policy — Rate Chart, NICHLIP24154V042324 · Page 2, , loading, Discount and Capping on Aggregate of Discounts · accessed 13 Sept 2026Open official source ↗
Table 5 · 160 rows · 2 columnsNational Super Top Up — all 140 listed day-care proceduresThe complete Appendix I list in the policy wording. Section headings are retained as rows; numbering matches the insurer's source list.View tableHide table

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National Super Top Up — all 140 listed day-care procedures
Source no.Procedure or section
Microsurgical operations on the middle ear
1Stapedotomy
2Stapedectomy
3Revision of a stapedectomy
4Other operations on the auditory ossicles
5Myringoplasty (Type I tympanoplasty)
6Tympanoplasty (closure of an eardrum perforation/reconstruction of the auditory ossicles)
7Revision of a tympanoplasty
8Other microsurgical operations on the middle ear
Other operations on the middle and internal ear
9Myringotomy
10Removal of a tympanic drain
11Incision of the mastoid process and middle ear
12Mastoidectomy
13Reconstruction of the middle ear
14Other excisions of the middle and inner ear
15Fenestration of the inner ear
16Revision of a fenestration of the inner ear
17Incision (opening) and destruction (elimination) of the inner ear
18Other operations on the middle and inner ear
Operations on the nose and nasal sinuses
19Excision and destruction of diseased tissue of the nose
20Operations on the turbinates (nasal concha)
21Other operations on the nose
22Nasal sinus aspiration
Operations on the eyes
23Incision of tear glands
24Other operations on the tear ducts
25Incision of diseased eyelids
26Excision and destruction of diseased tissue of the eyelid
27Operations on the canthus and epicanthus
28Corrective surgery for entropion and ectropion
29Corrective surgery for blepharoptosis
30Removal of a foreign body from the conjunctiva
31Removal of a foreign body from the cornea
32Incision of the cornea
33Operations for pterygium
34Other operations on the cornea
35Removal of a foreign body from the lens of the eye
36Removal of a foreign body from the posterior chamber of the eye
37Removal of a foreign body from the orbit and eyeball
38Operation of cataract
Operations on the skin and subcutaneous tissues
39Incision of a pilonidal sinus
40Other incisions of the skin and subcutaneous tissues
41Surgical wound toilet (wound debridement) and removal of diseased tissue of the skin and subcutaneous tissues
42Local excision of diseased tissue of the skin and subcutaneous tissues
43Other excisions of the skin and subcutaneous tissues
44Simple restoration of surface continuity of the skin and subcutaneous tissues
45Free skin transplantation, donor site
46Free skin transplantation, recipient site
47Revision of skin plasty
48Other restoration and reconstruction of the skin and subcutaneous tissues
49Chemosurgery to the skin
50Destruction of diseased tissue in the skin and subcutaneous tissues
Operations on the tongue
51Incision, excision and destruction of diseased tissue of the tongue
52Partial glossectomy
53Glossectomy
54Reconstruction of the tongue
55Other operations on the tongue
Operations on the salivary glands and salivary ducts
56Incision and lancing of a salivary gland and a salivary duct
57Excision of diseased tissue of a salivary gland and a salivary duct
58Resection of a salivary gland
59Reconstruction of a salivary gland and a salivary duct
60Other operations on the salivary glands and salivary ducts
Other operations on the mouth and face
61External incision and drainage in the region of the mouth, jaw and face
62Incision of the hard and soft palate
63Excision and destruction of diseased hard and soft palate
64Incision, excision and destruction in the mouth
65Plastic surgery to the floor of the mouth
66Palatoplasty
67Other operations in the mouth
Operations on the tonsils and adenoids
68Transoral incision and drainage of a pharyngeal abscess
69Tonsillectomy without adenoidectomy
70Tonsillectomy with adenoidectomy
71Excision and destruction of a lingual tonsil
72Other operations on the tonsils and adenoids
Trauma surgery and orthopaedics
73Incision on bone, septic and aseptic
74Closed reduction of fracture, luxation or epiphyseolysis with osteosynthesis
75Suture and other operations on tendons and tendon sheath
76Reduction of dislocation under general anaesthesia
77Arthroscopic knee aspiration
Operations on the breast
78Incision of the breast
79Operations on the nipple
Operations on the digestive tract
80Incision and excision of tissue in the perianal region
81Surgical treatment of anal fistulas
82Surgical treatment of haemorrhoids
83Division of the anal sphincter (sphincterotomy)
84Other operations on the anus
85Ultrasound-guided aspirations
86Sclerotherapy etc.
Operations on the female sexual organs
87Incision of the ovary
88Insufflation of the Fallopian tubes
89Other operations on the Fallopian tube
90Dilatation of the cervical canal
91Conisation of the uterine cervix
92Other operations on the uterine cervix
93Incision of the uterus (hysterotomy)
94Therapeutic curettage
95Culdotomy
96Incision of the vagina
97Local excision and destruction of diseased tissue of the vagina and pouch of Douglas
98Incision of the vulva
99Operations on Bartholin's glands (cyst)
Operations on the prostate and seminal vesicles
100Incision of the prostate
101Transurethral excision and destruction of prostate tissue
102Transurethral and percutaneous destruction of prostate tissue
103Open surgical excision and destruction of prostate tissue
104Radical prostatovesiculectomy
105Other excision and destruction of prostate tissue
106Operations on the seminal vesicles
107Incision and excision of periprostatic tissue
108Other operations on the prostate
Operations on the scrotum and tunica vaginalis testis
109Incision of the scrotum and tunica vaginalis testis
110Operation on a testicular hydrocele
111Excision and destruction of diseased scrotal tissue
112Plastic reconstruction of the scrotum and tunica vaginalis testis
113Other operations on the scrotum and tunica vaginalis testis
Operations on the testes
114Incision of the testes
115Excision and destruction of diseased tissue of the testes
116Unilateral orchidectomy
117Bilateral orchidectomy
118Orchidopexy
119Abdominal exploration in cryptorchidism
120Surgical repositioning of an abdominal testis
121Reconstruction of the testis
122Implantation, exchange and removal of a testicular prosthesis
123Other operations on the testis
Operations on the spermatic cord, epididymis and ductus deferens
124Surgical treatment of a varicocele and a hydrocele of the spermatic cord
125Excision in the area of the epididymis
126Epididymectomy
127Reconstruction of the spermatic cord
128Reconstruction of the ductus deferens and epididymis
129Other operations on the spermatic cord, epididymis and ductus deferens
Operations on the penis
130Operations on the foreskin
131Local excision and destruction of diseased tissue of the penis
132Amputation of the penis
133Plastic reconstruction of the penis
134Other operations on the penis
Operations on the urinary system
135Cystoscopical removal of stones
Other operations
136Lithotripsy
137Coronary angiography
138Hemodialysis
139Radiotherapy for cancer
140Cancer chemotherapy
  • The policy says listed procedures qualify as day-care procedures; an unlisted surgery/procedure made possible in under 24 hours requires prior insurer/ approval. Standard exclusions and disease waiting periods still apply; 24-hour hospitalisation is not mandatory.
National Super Top Up Mediclaim Policy — Policy Wording, NICHLIP24154V042324 · Page 19, Appendix I, numbered day-care procedure list and notes · accessed 13 Sept 2026Open official source ↗
Table 6 · 67 rows · 2 columnsNational Super Top Up — Appendix II, List I: expenses not coveredComplete List I of expenses the policy says are not available as coverage; item wording follows the published appendix.View tableHide table

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National Super Top Up — Appendix II, List I: expenses not covered
No.Published expense item
1Baby food
2Baby utilities charges
3Beauty services
4Belts/braces
5Buds
6Cold pack/hot pack
7Carry bags
8Email/internet charges
9Food charges other than patient's diet provided by hospital
10Leggings
11Laundry charges
12Mineral water
13Sanitary pad
14Telephone charges
15Guest services
16Crepe bandage
17Diaper of any type
18Eyelet collar
19Slings
20Blood grouping and cross matching of donor samples
21Service charges where nursing charge is also charged
22Television charges
23Surcharges
24Attendant charges
25Extra patient diet other than that forming part of bed charge
26Birth certificate
27Certificate charges
28Courier charges
29Conveyance charges
30Medical certificate
31Medical records
32Photocopy charges
33Mortuary charges
34Walking aids charges
35Oxygen cylinder for use outside hospital
36Spacer
37Spirometer
38Nebulizer kit
39Steam inhaler
40Arm sling
41Thermometer
42Cervical collar
43Splint
44Diabetic footwear
45Knee braces (long/short/hinged)
46Knee immobiliser/shoulder immobiliser
47Lumbosacral belt
48Nimbus bed or water/air bed charges
49Ambulance collar
50Ambulance equipment
51Abdominal binder
52Private nurse/special nursing charges
53Sugar-free tablets
54Creams, powders, lotions (toiletries are not payable; only prescribed medical pharmaceuticals are payable)
55ECG electrodes
56Gloves
57Nebulisation kit
58Any kit with no details mentioned (delivery kit, orthokit, recovery kit, etc.)
59Kidney tray
60Mask
61Ounce glass
62Oxygen mask
63Pelvic traction belt
64Pan can
65Trolley cover
66Urometer/urine jug
67Vasofix safety
  • This list is reproduced from Appendix II List I. Policy sections and applicable claim adjudication terms control whether an item is excluded or included in a covered package.
National Super Top Up Mediclaim Policy — Policy Wording, NICHLIP24154V042324 · Page 20, Appendix II, List I · accessed 13 Sept 2026Open official source ↗
Table 7 · 5 rows · 2 columnsNational Super Top Up — Appendix II, List II: items subsumed into room chargesComplete List II of expenses to be subsumed into room charges.View tableHide table

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National Super Top Up — Appendix II, List II: items subsumed into room charges
No.Published expense item
1Baby charges unless specified/indicated
2Hand wash
3Shoe cover
4Caps
5Cradle charges
National Super Top Up Mediclaim Policy — Policy Wording, NICHLIP24154V042324 · Page 20, Appendix II, List II · accessed 13 Sept 2026Open official source ↗
Table 8 · 23 rows · 2 columnsNational Super Top Up — Appendix II, List III: items subsumed into procedure chargesComplete List III of expenses to be subsumed into procedure charges.View tableHide table

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National Super Top Up — Appendix II, List III: items subsumed into procedure charges
No.Published expense item
1Hair removal cream
2Disposable razors for site preparation
3Eye pad
4Eye shield
5Camera cover
6DVD/CD charges
7Gause soft (as printed)
8Gauze
9Ward and theatre booking charges
10Arthroscopy and endoscopy instruments
11Microscope cover
12Surgical blades, harmonic scalpel, shaver
13Surgical drill
14Eye kit
15Eye drape
16X-ray film
17Boyles apparatus charges
18Cotton
19Cotton bandage
20Surgical tape
21Apron
22Tourniquet
23Orthobundle, gynaec bundle
  • The source spells item 7 'GAUSE SOFT'; the transcription preserves the published wording and flags the spelling rather than silently correcting the source.
National Super Top Up Mediclaim Policy — Policy Wording, NICHLIP24154V042324 · Page 20, Appendix II, List III · accessed 13 Sept 2026Open official source ↗
Table 9 · 18 rows · 2 columnsNational Super Top Up — Appendix II, List IV: items subsumed into treatment costsComplete List IV of expenses to be subsumed into costs of treatment.View tableHide table

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National Super Top Up — Appendix II, List IV: items subsumed into treatment costs
No.Published expense item
1Admission/registration charges
2Hospitalisation for evaluation/diagnostic purpose
3Urine container
4Blood reservation charges and antenatal booking charges
5BiPAP machine
6CPAP/CAPD equipment
7Infusion pump cost
8Hydrogen peroxide/spirit/disinfectants etc.
9Nutrition planning/dietician/diet charges
10 kit
11Antiseptic mouthwash
12Lozenges
13Mouth paint
14Vaccination charges
15Alcohol swabs
16Scrub solution/Sterillium
17Glucometer and strips
18Urine bag
National Super Top Up Mediclaim Policy — Policy Wording, NICHLIP24154V042324 · Page 20, Appendix II, List IV · accessed 13 Sept 2026Open official source ↗
Table 10 · 6 rows · 2 columnsNational Super Top Up — insurer UIN threshold and sum-insured optionsComplete six-row threshold/cover matrix from the current UIN policy wording. BOB's separate distribution page currently lists a smaller set of choices, so channel availability for the larger limits must be confirmed.View tableHide table

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National Super Top Up — insurer UIN threshold and sum-insured options
ThresholdPublished sum-insured options
₹2 lakh₹3 lakh; ₹5 lakh; ₹7 lakh
₹3 lakh₹3 lakh; ₹5 lakh; ₹7 lakh; ₹10 lakh
₹5 lakh₹5 lakh; ₹7 lakh; ₹10 lakh; ₹15 lakh
₹8 lakh₹8 lakh; ₹10 lakh; ₹15 lakh; ₹20 lakh
₹10 lakh₹10 lakh; ₹15 lakh; ₹20 lakh; ₹30 lakh
₹20 lakh₹20 lakh; ₹30 lakh; ₹50 lakh; ₹80 lakh
  • Individual policy: threshold and sum insured apply per insured person. Floater: the selected threshold and floater sum insured apply collectively to covered members.
  • current partner page publishes five rows through ₹20 lakh maximum; this insurer matrix is the broader schedule and does not establish -channel availability.
National Super Top Up Mediclaim Policy — Policy Wording, NICHLIP24154V042324 · Page 18, Table of Benefits; compare Bank of Baroda page — Plan Options · accessed 13 Sept 2026Open official source ↗
Table 11 · 28 rows · 2 columnsNational Super Top Up — Table of BenefitsCoverage, caps, waiting periods, additional benefits, renewal bonus and discounts as printed in the current policy wording.View tableHide table

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National Super Top Up — Table of Benefits
Benefit or conditionPublished term
Individual / floaterBoth available; selected schedule sets threshold and sum insured
Threshold–sum insured choices₹2L: ₹3/5/7L; ₹3L: ₹3/5/7/10L; ₹5L: ₹5/7/10/15L; ₹8L: ₹8/10/15/20L; ₹10L: ₹10/15/20/30L; ₹20L: ₹20/30/50/80L
Inpatient treatmentUp to sum insured; no sub-limits
System of medicineAllopathy and
Pre-hospitalisation30 days immediately before hospitalisation
Post-hospitalisation60 days immediately after discharge
Day-care procedures140 listed procedures; eligible additional procedures under prior approval
treatmentUp to sum insured
Organ-donor medical expensesMedical, pre-hospitalisation and post-hospitalisation expenses up to sum insured, subject to conditions
treatmentInpatient, pre- and post-hospitalisation medical expenses for infection stages listed in the wording
MaternityUp to sum insured after 3 years; no sub-limit in the benefit table; detailed age, parity and other exclusions apply
Modern treatments (12)Up to 25% of sum insured for each listed treatment, with procedure-specific eligible-cost limits
Non-professional hazardous/adventure sportsUp to 25% of sum insured; policy wording applies the lower limit for any one illness
Morbid obesityCovered after 3 years, subject to medical, age and BMI requirements
Refractive error (minimum 7.5 dioptres)Covered after 2 years
Hospital cash after initial 3 daysSum insured up to ₹10L: ₹1,000/day for up to 5 days per individual; above ₹10L: ₹2,000/day for up to 5 days per individual
Doctor home visit / aya / nurse / attendant after hospitalisationSum insured up to ₹10L: ₹1,000/day for up to 10 days per individual; above ₹10L: ₹2,000/day for up to 10 days per individual; policy mobility/medical-necessity conditions apply
Road ambulanceActual emergency road-ambulance charges; once per illness per insured person; admissible inpatient claim required
Migration to policy without thresholdOption available under the policy's eligibility, underwriting and continuity conditions
Pre-existing disease waiting/claim share12 months: no PED claim; months 13–24: 50%; months 25–36: 75%; after 36 months: 100%, for declared and insurer-accepted conditions
Cumulative bonus5% of sum insured for every claim-free year; in case of a claim, reduce by 5% per year under the wording
Early-entry discount5% on individual premium when entry was before completed age 42 and the policy has been continuously renewed for 3 years
Family discount5% for individual policies only; not available for floater policies
Online/direct discount10% for new and renewal policies where no intermediary is involved
Long-term discount3% for 2-year policy; 5% for 3-year policy
Aggregate discount cap23.5%
Aggregate limit note — coverageAll Section 3.1 coverage benefits in a policy period are subject to the selected threshold
Aggregate limit note — additional benefitsAdmissible Section 3.1 and 3.2 coverage/additional benefits in a policy period are subject to the selected sum insured
  • This table transcribes the policy's Table of Benefits and its two footnotes; full definitions, named waiting-period conditions and exceptions remain in the linked policy wording.
  • The rate chart separately states extra and a 3.5% loading when service is selected.
National Super Top Up Mediclaim Policy — Policy Wording, NICHLIP24154V042324 · Page 18, Table of Benefits and footnotes · accessed 13 Sept 2026Open official source ↗
Table 12 · 4 rows · 2 columnsNational Super Top Up — pre-existing disease payment stagesPayment share after the initial waiting period, for declared conditions accepted by the insurer.View tableHide table

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National Super Top Up — pre-existing disease payment stages
Continuous cover from inceptionPolicy payment share of admissible claim
First 12 monthsNot payable for pre-existing disease/direct complications
Months 13–2450%
Months 25–3675%
After 36 months100%
  • Sum-insured increases restart the applicable waiting exclusion for the increased portion. Continuous prior cover can reduce waits under portability rules.
  • The 2024 proposal form contains a conflicting generic note stating 3 years; the current policy wording/ and 2026 prospectus state 12 months followed by this phased schedule.
National Super Top Up Mediclaim Policy — Policy Wording, NICHLIP24154V042324 · Page 9, Section 4.1; Table of Benefits, page 18 · accessed 13 Sept 2026Open official source ↗
Table 13 · 3 rows · 2 columnsNational Super Top Up — named specified-condition waiting periodsConditions listed in Section 4.2 of the current policy wording; accidents are excepted and prior continuous cover may reduce waiting periods.View tableHide table

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National Super Top Up — named specified-condition waiting periods
Waiting periodNamed conditions/procedures
90 daysHypertension and related complications; diabetes and related complications; cardiac conditions
1 yearBenign ENT disorders; tonsillectomy; adenoidectomy; mastoidectomy; tympanoplasty; cataract; benign prostatic hypertrophy; hernia; hydrocele; anal fissure/fistula; piles/haemorrhoids; sinusitis and related disorders; polycystic ovarian disease; non-infective arthritis; pilonidal sinus; gout and rheumatism; calculus diseases; gall-bladder/bile-duct surgery except malignancy; genito-urinary surgery except malignancy; prolapsed-intervertebral-disc surgery unless due to accident; varicose-vein surgery; hysterectomy except malignancy
2 yearsJoint replacement unless due to accident; osteoarthritis and osteoporosis; refractive error above 7.5 dioptres; internal congenital anomaly (newborn exception); haematopoietic stem-cell therapy for bone-marrow transplant for haematological conditions
  • The wording says a longer PED wait prevails when the same condition falls under both rules; accident claims are excluded from Section 4.2's wait.
  • For the first two groups, after the stated wait the admissible claim is payable up to 100% only when the condition is not pre-existing. For the two-year group, months 25–36 pay 75% and after 36 months 100% under its separate schedule.
  • The page's summary also mentions a three-year category; this policy's Section 4.2 list specifies 90 days, one year and two years. Separate 3-year waits apply to maternity and morbid-obesity coverage in the current policy.
National Super Top Up Mediclaim Policy — Policy Wording, NICHLIP24154V042324 · Page 9, Section 4.2(a)–(f); pages 6–7 for separate benefit waits · accessed 13 Sept 2026Open official source ↗
Table 14 · 8 rows · 2 columnsNational Super Top Up — claim notice, document and decision timelinesClaims timing from the Customer Information Sheet and current policy wording.View tableHide table

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National Super Top Up — claim notice, document and decision timelines
Claim stagePublished time limit
Planned hospitalisation noticeAt least 72 hours before admission
Emergency hospitalisation noticeWithin 24 hours after admission
Cashless pre-authorisationWithin 1 hour after receives the last necessary document
Cashless final authorisationWithin 3 hours after the hospital's discharge-authorisation request
Hospitalisation, pre-hospitalisation and ambulance reimbursement documentsWithin 15 days after discharge
Post-hospitalisation reimbursement documentsWithin 15 days after post-hospitalisation treatment ends
Claim settlement/rejectionWithin 15 days after last necessary document; up to 45 days if an investigation is required
Interest when decision/payment is late2% above bank rate, subject to policy wording and applicable circumstances
  • The initial cashless claim that crosses the threshold requires evidence of cumulative eligible expenses before authorisation; keep prior hospitalisation records for the policy year.
  • cashless facility requires that service is opted and remains subject to pre-authorisation/network-provider rules.
National Super Top Up Mediclaim Policy — Customer Information Sheet, NICHLIP24154V042324 · Pages 4–6, claims procedure and settlement; compare policy wording pages 14–15 · accessed 13 Sept 2026Open official source ↗
Table 15 · 9 rows · 2 columnsNational Super Top Up — application document checklistDocuments in Annexure C of the official insurer proposal form; identity/residence alternatives are retained in the requiredDocuments fact.View tableHide table

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National Super Top Up — application document checklist
No.Document
1Completed proposal form
2Cancelled cheque supporting bank-account details
3One stamp-size photograph for each insured person
4Pre-policy check-up report, if applicable
5Existing health-insurance policy copy, if applicable
6One identity-proof document
7One residence-proof document
8Income-tax certificate/return, wherever applicable
9 details; if is unavailable, Form 60 or Form 61 under the cited Income-tax Rule
  • Portability requires prior/current policy details and copies as listed on proposal form pages 2 and 6; underwriting may ask for other relevant material.
National Super Top Up Mediclaim Policy — Proposal Form and Annexures, NICHLIP24154V042324 · Pages 1–2 and 6–7, proposal instructions and Annexure C · accessed 13 Sept 2026Open official source ↗
Table 16 · 15 rows · 12 columnsNational Super Top Up — premium rates per individual/senior-most floater member (₹2L/₹3L/₹5L thresholds)Complete first premium matrix from the currently linked National Insurance rate chart. Each cell is the rupee premium for the row age and column threshold/sum-insured combination; GST and optional TPA loading/eligible discounts apply as noted.View tableHide table

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National Super Top Up — premium rates per individual/senior-most floater member (₹2L/₹3L/₹5L thresholds)
Age band₹2L / ₹3L₹2L / ₹5L₹2L / ₹7L₹3L / ₹3L₹3L / ₹5L₹3L / ₹7L₹3L / ₹10L₹5L / ₹5L₹5L / ₹7L₹5L / ₹10L₹5L / ₹15L
0–58681,1801,3117481,0161,1281,4236958521,1741,465
6–178681,1801,3117481,0161,1281,4236958521,1741,465
18–251,8442,3242,5421,3621,7641,9302,4711,0281,2601,7342,164
26–351,9002,3822,6021,3891,7911,9562,5081,0281,2601,7352,166
36–402,3963,0093,2891,7582,2722,4833,1771,3121,6082,2152,768
41–452,3963,0093,2891,7582,2722,4833,1771,3121,6082,2152,768
46–503,7714,8465,3252,9033,8104,1875,3292,3332,8603,9384,919
51–554,6236,0056,6113,6374,8085,2946,7333,0153,6965,0896,362
56–604,8936,4827,1644,0065,3625,9267,5043,5014,2925,9097,388
61–657,65810,24311,3436,3928,6089,53112,0515,7257,0199,66412,076
66–709,63712,95814,3618,12710,97912,16815,3697,3729,03812,44315,549
71–7512,66017,06918,92510,73114,51916,09820,3249,79212,00616,53020,669
76–8012,92017,42119,31610,95514,82316,43520,75410,00012,26016,88021,105
81–8512,92017,42119,31610,95514,82316,43520,75410,00012,26016,88021,105
86 and above12,92017,42119,31610,95514,82316,43520,75410,00012,26016,88021,105
  • Chart heading: Premium (₹) per individual for an individual policy / senior-most member for a floater policy.
  • Age bands 0–5 and 6–17 are not applicable in floater option.
  • All rates exclude charges; with , add 3.5% loading to tabulated premiums. extra. Discounts and aggregate cap are in the following rate-chart table.
National Super Top Up Mediclaim Policy — Rate Chart, NICHLIP24154V042324 · Page 1, Premium per Individual/Senior-most Floater Member, threshold ₹2L/₹3L/₹5L matrix · accessed 13 Sept 2026Open official source ↗
Table 17 · 15 rows · 13 columnsNational Super Top Up — premium rates per individual/senior-most floater member (₹8L/₹10L/₹20L thresholds)Complete second premium matrix from the currently linked National Insurance rate chart. Each cell is the rupee premium for the row age and column threshold/sum-insured combination; GST and optional TPA loading/eligible discounts apply as noted.View tableHide table

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National Super Top Up — premium rates per individual/senior-most floater member (₹8L/₹10L/₹20L thresholds)
Age band₹8L / ₹8L₹8L / ₹10L₹8L / ₹15L₹8L / ₹20L₹10L / ₹10L₹10L / ₹15L₹10L / ₹20L₹10L / ₹30L₹20L / ₹20L₹20L / ₹30L₹20L / ₹50L₹20L / ₹80L
0–58721,0581,3551,6166828521,0161,193613720828929
6–178721,0581,3551,6166828521,0161,193614721830931
18–251,2891,5642,0022,3881,0071,2581,5011,7629061,0631,2231,373
26–351,2891,5642,0022,3881,0071,2581,5011,7629071,0651,2251,375
36–401,6451,9972,5573,0511,2861,6071,9172,2511,1581,3601,5651,756
41–451,6451,9972,5573,0511,2861,6071,9172,2511,1581,3601,5651,756
46–502,9253,5524,5465,4242,2872,8583,4094,0042,0562,4142,7773,117
51–553,7824,5925,8767,0092,9523,6944,4075,1742,6583,1213,5904,029
56–604,3935,3336,8258,1423,4334,2915,1186,0103,0903,6284,1744,684
61–657,1848,72211,16113,3155,6107,0168,3709,8285,0505,9306,8237,657
66–709,25111,23114,37417,1477,2339,03510,77812,6566,5047,6378,7869,860
71–7512,28914,92019,09322,7789,60312,00214,31816,8138,64410,15011,67713,104
76–8012,55015,23619,49823,2619,80512,25714,62217,1708,82510,36211,92113,379
81–8512,55015,23619,49823,2619,80512,25714,62217,1708,82510,36211,92113,379
86 and above12,55015,23619,49823,2619,80512,25714,62217,1708,82510,36211,92113,379
  • Chart heading: Premium (₹) per individual for an individual policy / senior-most member for a floater policy.
  • Age bands 0–5 and 6–17 are not applicable in floater option.
  • All rates exclude charges; with , add 3.5% loading to tabulated premiums. extra. Discounts and aggregate cap are in the following rate-chart table.
National Super Top Up Mediclaim Policy — Rate Chart, NICHLIP24154V042324 · Page 1, Premium per Individual/Senior-most Floater Member, threshold ₹8L/₹10L/₹20L matrix · accessed 13 Sept 2026Open official source ↗

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