Archive · 9 Oct 2026
NPS Swasthya Offers Healthcare Savings Corpus and Super Top-Up Cover
NPS Swasthya is a way for NPS subscribers to save money for healthcare and get extra health insurance.
Subscribers must invest at least Rs 1,000 and pay an insurance premium.
They can use some of their contributions for eligible medical costs.
The scheme allows withdrawals of up to 25% of contributions for those costs.
For larger bills, a super top-up policy can help after the subscriber has paid a chosen deductible.
The insurance can cover between Rs 1 lakh and Rs 30 lakh.
Swasthya is meant to add to, not replace, other health insurance.
If the money is not used for healthcare, it stays invested and can eventually be used for retirement.
NPS Swasthya lets subscribers build a healthcare-focused corpus and access super top-up health insurance.
The minimum investment is Rs 1,000, plus the insurance premium; the account is held separately under the subscriber’s Permanent Retirement Account Number.
Subscribers may withdraw up to 25% of their contributions for eligible healthcare expenses, with withdrawals settled directly with the hospital.
Super top-up cover ranges from Rs 1 lakh to Rs 30 lakh, with annual aggregate deductibles from Rs 10,000 to Rs 3 lakh.
The account can be renewed up to age 85; if the premium remains unpaid after the grace period, it closes and merges into the NPS account.
- Who
- Subscribers to the National Pension System can opt for NPS Swasthya.
- What
- A scheme combining a healthcare-focused investment corpus with super top-up health insurance.
- When
- The article does not specify a launch date.
- Where
- The scheme is offered to National Pension System subscribers; no specific location is stated.
- Why
- To help subscribers build savings for healthcare costs while remaining within a retirement savings framework.
- Minimum investment
- Rs 1,000, plus the insurance premium
- Healthcare withdrawal limit
- Up to 25% of contributions to the NPS Swasthya account
- Super top-up deductible
- Rs 10,000 to Rs 3 lakh
- Super top-up cover
- Rs 1 lakh to Rs 30 lakh
- Renewal age
- The account can be renewed up to age 85
- Account management fee
- Up to 0.08% per year of NPS Swasthya assets under management, plus applicable taxes
- Pre-existing disease waiting period
- One year, according to Amit H L