iob_bank_super_top_up

Last Updated:06/02/2026
Super Top Up

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