Super-Top-Up

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A super top-up health plan covers the total hospital bills up to the limit specified in super top-up plan over & above the deductible amount. Once the deductible is paid, the super top-up policy becomes active for subsequent claims.

Example: If a person has a Super top-up plan of Rs 15 lakh and it has deductible limit of Rs 2 lakh then the super top-up policy will cover medical expenses over and above Rs 2 lakh. This deductible amount can be paid from your current health plan and the remaining will be paid by the super top-up insurer.

Customers who have already availed NTB_1999 cannot avail NTB Super top up combo. However, they can avail only Super top up by keeping NTB_1999 as a base policy or close the existing NTB_1999 and avail the combo.

Product Benefit Table


Policy Tenure	1 Year
Entry Age	Adult- 18 years to 60 years; Child- Day 91 to 21 years
Plans	1A, 2A, 2A1C, 2A2C
Relationship	Self, Spouse, Son, Daughter
Hospitalization Benefits
Base Sum Insured	15 lakhs
Annual Aggregate Deductible	2 Lakhs
Inpatient Care	Up to Base Sum Insured
Hospital accommodation- Room Rent/day	Single Private Room
Hospital accommodation- ICU/day	Covered up to Sum Insured
Pre - hospitalization Medical Expenses	Up to Base Sum Insured, 30 Days
Post- hospitalization Medical Expenses	Up to Base Sum Insured, 60 Days
Domiciliary Hospitalization	Up to Base Sum Insured
Organ Transplant	Up to Base Sum Insured
Modern Treatments	Up to Base Sum Insured as per T&C
Alternative Treatments	Up to Base Sum Insured
Day Care Treatment	Listed 536 Day Care Treatments covered up to Base Sum Insured
Emergency Ground Ambulance- Within India	Up to INR 1,000 per hospitalization
Initial Waiting Period	30 Days
Waiting Period for Disease Specific Exclusions	24 months
Waiting period for Pre-Existing Diseases (PED)	24 months

Premium Chart

Final Premium (including GST)	1A	2A	2A1C	2A2C
Age-18-60	899	1499	1899	2299

Locations

Super-Top-Up