National Mediclaim Plus Policy

The National Mediclaim Plus policy comes in three variants which offer higher sum insured and access to a variety of extra features and higher allowances. It even covers non-allopathic treatments like Ayurveda and Homeopathy. Along with that it can also be taken as an individual policy or a family floater, which would entitle you to certain special discounts.

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Features & Benefits of National Mediclaim Plus Policy:

	Plan A	Plan B	Plan C
Entry Age	18 years to 65 years. Children between the ages of 3 months and 18 years can also be covered provided the parents are also covered by this policy
Basis	Individual / Family floater
Policy Period	1 year with a grace period of 30 days
Renewability	Lifelong
Sum Insured	Rs. 2 lakhs to Rs. 10 lakhs in increments of Rs. 1 lakh	Rs. 15 lakhs, Rs. 20 lakhs and Rs. 25 lakhs	Rs. 30 lakhs, Rs. 40 lakhs and Rs. 50 lakhs
Medicals
Discount	10% discount on premiums of family members are covered under this policy 10% discount if the insured and the spouse are between 18 years and 25 years old 5% discount on the premiums if the policy is bought online
Co-payment	20% of the claim if treatment is done in non-network hospital
Common Features	Pre-existing conditions will be covered after 3 years The policy provides for one medical second opinion for each major illness diagnosed in one policy period Vaccination of children up to the age of 12 years will be covered up to Rs. 1,000 Organ donor’s medical expenses will be covered Allopathic, Ayurvedic and homeopathic treatments will also be covered Day care procedures will be covered Pre-hospitalisation expenses up to 30 days will be covered Post-hospitalisation expenses up to 60 days will be covered
Unique Features	Room charges up to 1% of the sum insured will be covered ICU charges up to 2% of the sum insured, subject to a maximum of Rs. 15,000 will be covered For pregnancies up to Rs. 30,000 for normal deliveries and Rs. 50,000 for caesarean sections will be provided Daily hospital cash of Rs. 500 will be provided for a maximum of 5 days Ambulance charges will be covered up to Rs. 2,500 The policy will cover up to Rs. 1,000 for health check-ups every 2 years For surgery for cataract the limit will be the lesser of 15% of the sum insured and Rs. 60,000	Room and ICU charges up to Rs. 15,000 will be covered For pregnancies up to Rs. 60,000 for normal deliveries and Rs. 75,000 for caesarean sections will be provided Daily hospital cash of Rs. 800 will be provided for a maximum of 5 days Ambulance charges will be covered up to Rs. 4,000 Air ambulance charges of up to 5% of sum insured will be covered Medical emergency reunion will be covered up to Rs. 20,000 Post-hospitalisation, doctor/nurse visits to the house will be covered for 10 days at Rs. 750 per day The policy will cover up to Rs. 2,000 for health check-ups every 2 years For cataract surgery the limit will be Rs. 80,000	Room and ICU charges up to Rs. 20,000 will be covered For pregnancies up to Rs. 80,000 for normal deliveries and Rs. 100,000 for caesarean sections will be provided Daily hospital cash of Rs. 1000 will be provided for a maximum of 5 days Ambulance charges will be covered up to Rs. 5,000 Air ambulance charges of up to 5% of sum insured will be covered Medical emergency reunion will be covered up to Rs. 20,000 Post-hospitalisation, doctor/nurse visits to the house will be covered for 10 days at Rs. 1000 per day The policy will cover up to Rs. 3,000 for health check-ups every 2 years For cataract surgery the limit will be Rs. 100,000
Benefits	The sum insured can be increased at the time of renewing the policy The sum insured can also be changed to that of Plan B or C at the time of renewing the policy The sum insured will increase by 5% every year subject to a limit of 50%

Also Read: How to File a Claim with National Insurance?

National Mediclaim Plus Policy

Features & Benefits of National Mediclaim Plus Policy:

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