National Insurance

National Insurance

National Super Top-up Mediclaim

While it is a decent super top up plan, you don't really get a disproportionately large cover with Super Top-up Mediclaim. The plan allows you to top up your base policy only by about 20 lakhs tops. So if you are ever hospitalized for a rare condition, then the cover might not suffice.

What's good here?

co_pay

You’ll never have to split the bill

The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.

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room_rent

You can pick any room you like

Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.

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pre_post

Pre & post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 30 days before you are hospitalized and 60 days after discharge. This includes the cost of medication by the way.

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ayush

Some Cover for Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will pay up to 100% of the cover in case you’re availing these treatments.

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disease_sublimit

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

Modern treatments are covered upto 25% of Sum Insured

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day_care

Day Care treatments covered

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.

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What's okay here?

ped

Reasonable waiting period for pre-existing diseases

After 1 year (upto 50% of expenses will be covered); after 2 years (upto 75%); after 3 years (100%)

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What's lacking here?

restoration

No Restoration Benefit

Some policies will tell you - Even after you claim part of the cover on one occasion, you will have the full cover restored, if you are hospitalized another time during the same year. So if you have a family cover and multiple members of the family are hospitalized in the same year, this feature will come in handy. Unfortunately, this policy offers no such benefit.

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ncb

Underwhelming bonus feature

Your sum insured increases by 5% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 50%. And while this is a decent deal, most insurance companies offer a much higher bonus. But hey, it's still a bonus.

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health_checkup

Your insurer doesn’t provide free health check-ups

If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself.

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Need a human touch?

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