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National Mediclaim Plus Policy

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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 health insurance policy or a family floater health insurance policy, 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?

Other Health Insurance Plans from National Insurance:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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