Super Top Up Health Insurance

Worried about exhausting your insured amount? Check out Super Top Up Health Insurance Plans.

What is Super Top Up Health Insurance?

Medical emergencies come unannounced, and it’s wise to have a health insurance plan for yourself or your family. But what to do if the insured sum of the policy gets exhausted? You can purchase a Super Top Up Mediclaim Policy. This policy acts as a cushion and provides financial support in case you have exhausted the insured sum when paying medical bills. If you are looking to purchase the best Super Top Up Plan, check out Navi Health Insurance. Navi offers excellent coverage, rapid cashless claim settlements, covers over 10,000 hospitals under its policy and provides many more benefits for maximum security.

Features and Benefits of Super Top Up Health Insurance Plan

Features and Benefits of Super Top Up Health Insurance Plan

Having Super Top Up health insurance is like an extra layer of protection. Check out the best features offered under the Navi Super Top Up Mediclaim Policy:
Navi accommodates over 10,000 hospitals in its health insurance policy. You can opt for the Super Top Up Health Insurance in any of these hospitals.
Navi follows a paperless procedure, from signing up to claiming the insured amount.
Navi will reward you with a cumulative or No Claim Bonus if you do not make any claims in a given policy year.
Navi provides an additional sum insured for inpatient treatment if you or your family members get into a road accident.
Navi automatically provides up to 100% restoration if you exhaust your base sum in the policy year.
Navi offers family health coverage ranging from ₹2 lakh to ₹1 crore, and the premium for EMIs starts from ₹235/month.
If you can cover an average of 4000 steps daily for a minimum of 250 days, then Navi provides you with a 5% discount on your premium at the time of renewal.
*Terms and Conditions Apply

Health Insurance Policy Inclusions

100% Hospital Bill Covered

100% Hospital Bill Covered

We cover your entire hospitalisation bill along with other related medical expenses from 90 days before to 180 days after hospitalisation

Pre and Post Hospitalisation

Pre and Post Hospitalisation

With Navi Health Insurance Plan, you get comprehensive medical coverage 90 days before hospitalization and 180 days after

Hospitalisation at Home

Hospitalisation at Home

Get medical treatment at home for 3 or more days due to patient’s adverse health condition or unavailability of hospital bed

Unlimited Online Consultations

Unlimited Online Consultations

You can get unlimited online doctor consultations with the top doctors of the country at to additional cost

Additional 100% Sum Insured for Accidental Injury

Additional 100% Sum Insured for Accidental Injury

For road accident injuries, we provide additional 100% sum insured once existing sum insured amount is exhausted

Organ Donor Expenses

Organ Donor Expenses

We cover organ donor’s hospitalisation cost

Air Ambulance

Air Ambulance

Get up to ₹5 Lakh for emergency transfer via air ambulance

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

New Born Baby Benefits

New Born Baby Benefits

Hospitalisation expenses of up to ₹10,000 for newborn baby within 90 days of birth

Health Insurance Policy Exclusions

Dental Treatment

Any planned dental treatment is not covered under the health insurance plan

Eye Treatment

Any planned eye-treatment is not covered under the health insurance plan

Alcoholism/Drug

Any health complications caused by alcoholism or drug abuse aren't covered under the health insurance policy.

Alcoholism/Drug

Why Do You Need Family Super Top Up Mediclaim Policy

Safeguard your family from the stress of exhausting the insured sum by buying the Super Top Up Health Insurance plan.
Here are some key reasons you need one:

Financial Protection

The rising inflation has caused the cost of things to skyrocket, and medical bills are no exception. Super Top Up Health Insurance Plans can help protect your savings from draining.

Family Coverage

Super Top Up Health Insurance Plan provides medical coverage to all family members under a single plan and premium. Unlike individual plans, this is both cost-effective and provides all-around protection.

Affordable Premiums

Monthly premium EMIs start from as low as ₹235, and the coverage ranges between ₹2 lakh to ₹1 crore.

Tax Benefits

Claim tax deductions on your insurance premium under Section 80D of the Income Tax Act.

Lifestyle Disease Protection

Super Top Up Mediclaim Policy provides financial support for treating lifestyle disorders.

How to Buy a Super Top Up Health Insurance Plan

Looking to buy a hassle-free Super Top Up Health Insurance? Try Navi. With a 100% paperless process and affordable premiums, Navi offers the best Super Top Up Health Insurance. Follow the steps below to buy Navi Super Top Up Health Insurance:
Download the Navi app from Play Store or App Store
Navi’s insurance advisor will ask a few questions
Get a quote right away that is based on your health and personal information
Pay insurance premiums via EMIs at ₹235 per month
Get instant access to your policy-related documents

How to Buy a Super Top Up Health Insurance Plan

Network Hospitals

Manipal Hospital

Aster Hospital

Manipal Hospital

Aster Hospital

How to File Claim for Super Top Up Health Insurance Plan

How to File Claim for Super Top Up Health Insurance Plan

With Navi, you can opt for a cashless claim or a reimbursement. Here are the steps you should follow to file a claim:
  1. Select your admittance date
  2. Visit your nearest Navi network hospital
  3. Go to the insurance help desk and provide the following details
    • Insurer – Navi General Insurance
    • TPA – Medi Assist
  4. Keep your policy document and ID proof ready for reference
  1. Select your admittance date and hospital
  2. Upload all the medical documents on the Navi App
  3. Track your claim with our claims tracker
  4. You will be notified once your claim is approved

How to Choose the Right Insurance for Yourself?

Sum Insured

Considering the rising medical costs, try to buy a policy that provides adequate cover. A policy with a low coverage amount may not be sufficient for you and your family. Navi Health Insurance offers health cover up to Rs.1 crore*

Cashless Settlement

Insurance companies have tie-ups with hospitals, commonly known as network hospitals. Check if your insurer provider has a long list of network hospitals. You can get cashless claims in 10,000+ network hospitals with Navi Health Insurance

Claim Settlement Process

Every insurer looks forward to a hassle-free claim settlement process and every quality insurance company strives to maintain an excellent claim settlement ratio. With Navi Health Insurance, claim settlement is a breeze

Affordable Premium

There should be a balance between insurance cover and premium. Considering affordability as a major factor, we have introduced insurance premium payments in EMIs. Our insurance premium EMIs start at just Rs.235/month*

Know Your Requirement

Your requirements can include the sum insured, how many members you are planning to add, the ailments you want to be covered, etc. Understand your requirements and purchase a policy to maximise on policy benefits

Waiting Period

Waiting period is the time span during which you cannot claim some or all of the benefits of your policy. It is crucial to know the waiting period for various ailments mentioned in your policy to make an informed decision.

Top Hospitals In Cities

Manipal.c463cdb4

Manipal Hospital

Apollo.62f06b3b

Apollo Hospital

Fortis.2673ea86

Fortis Hospital

Max.8013c6e1

Max Healthcare

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What our customers say about us

My whole claim experience was hassle free & very good, both during admission and discharge time. I have already recommended Navi Health Insurance to many friends & will continue doing so.
The best thing about Navi Health insurance was completely paperless buying experience and great customer support. I found Navi health insurance to be most affordable policy with amazing benefits
I was happy with the overall claim experience. Most important part was it was cashless and I got quick response by Navi team. Will definitely recommend Navi Health Insurance to family and friends!

Frequently asked questions

Both Top Up and Super Top Up Health Insurance are pretty similar and get activated once you have crossed the deductible limit of the insured sum. But there is a key point of difference. While in Top Up, you can opt for a single claim, in Super To Up, you can opt for multiple claims within the policy year.
You can purchase a Super Top Up plan without existing health insurance. However, it is not a smart thing to do, as you will have to pay all the expenses before the amount exceeds the deductible limit. Combining a Super Top Up Health Insurance with other plans for maximum benefits is always advisable.
As a policyholder, the amount you have to pay before the insurance company starts paying is the deductible amount. The limit of the deductible is not set by the insurance company but by the insurer. Super Top Up Health Insurance plans get activated after the policyholder has exhausted their deductible limit.
The pandemic has created massive dents in the savings of countless people. Financial and medical crisis was one of the most dangerous things faced by millions. Keeping this in mind, the Super Top Up Health Insurance plan offered by Navi does cover COVID-19 hospitalisation after 30 days of purchasing the policy.
If you opt for an individual Super Top Up mediclaim policy, you cannot insure more than two adults. But if you opt for a family Super Top Up mediclaim policy, you can insure all family members. A family insurance plan is far better as it is cost-effective and provides coverage to all family members.
You can raise the deductible amount in your Super Top Up Health Insurance plan based on the type of policy Navi offers. Navi provides complete freedom to set your own deductible limit that will suit your needs and provide maximum benefits. Choose the limit carefully so that you can maintain it.

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