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Axis NPS Swasthya Scheme
Build for retirement. Prepare for healthcare. Stay protected with Super Top-up insurance.
NPS Swasthya is a purpose-specific pension scheme designed to help subscribers build a dedicated corpus for retirement while facilitating access to healthcare-related withdrawals, healthcare services and a mandatory Super Top-up health insurance policy. The NPS Swasthya account and the Super Top-up health insurance policy are legally and operationally separate. The insurance policy is offered by an IRDAI-registered insurer under a master policy or other permitted group arrangement and is governed by the applicable insurance terms and laws.
Financial Security
Build a dedicated NPS Swasthya corpus for retirement while retaining the ability to use permitted amounts toward eligible healthcare expenses in accordance with the applicable guidelines.
Flexibility to Access Your Funds
Withdraw up to 25% of your contributions to the NPS Swasthya account for eligible outpatient and inpatient healthcare expenses. There isno minimum waiting period and no restriction on the number of permitted partial withdrawals, subject to the available withdrawal limit and corpus. Withdrawal amounts are not paid directly to the subscriber. They are settled with the concerned hospital, healthcare provider or other eligible entity through the prescribed process.
Powered by Medi Assist
Powered by Medi Assist, a leading Third-Party Administrator (TPA), ensuring a seamless healthcare experience. Access to 15,500+ hospitals across 1,264 cities; hassle-free direct payments for both OPD and hospitalisation expenses (IPD).
Build Your Corpus with Tax Advantages
Build your health corpus with market-linked growth^ and tax advantages under the Income Tax Act, 1961.
Optimised Contributions with Low Charges
Charges applicable under the NPS All Citizen Model also apply. In addition, the Pension Fund may charge up to 0.08% per annum of the NPS Swasthya corpus AUM, plus applicable taxes, along with an annual HBA maintenance charge of ₹200, plus applicable taxes. No charge other than one permitted or approved by PFRDA may be recovered.
Mandatory Super Top-up Protection
NPS Swasthya includes a separate and mandatory Super Top-up health insurance policy. The policy covers cumulative insurance-admissible medical expenses during a policy year after the selected annual aggregate deductible has been crossed, subject to policy terms, waiting periods, exclusions and applicable insurance law.The insurance policy is separate from the NPS Swasthya account and is governed by the insurer’s policy terms.