National Mediclaim Policy

18 years to 65 years. Children between the ages of 3 months and 18 years can be covered provided the parents are covered by this policy.

Individual

1 year with a grace period of 30 days

Lifelong

Ranges from Rs.50,000 to Rs.5 lakhs

Require if the age of the insured is above 50 years and they are taking the policy for the first time

10% discount on premiums if family members are also covered under this policy

1. The policy will cover over 140 day care procedures
2. Pre-hospitalisation expenses up to 30 days before hospitalisation will be covered
3. Post-hospitalisation expenses incurred up to 60 days after hospitalisation will be covered
4. Ambulance charges up to Rs. 2,000 will also be covered
5. Room charges including administration, nursing, transfusion and injection charges
6. General physicians, surgeon, anaesthetist or specialist's fee
7. Cost of medicines including blood, oxygen, tests, appliances etc. will be covered
8. The waiting period for pre-existing conditions to be covered is 4 years
9. During the first 30 days only accidental injuries will be covered

1. This policy will cover Ayurvedic and Homeopathic treatments up to 20% of the sum insured
2. Every claim free year will enhance the sum insured by 5%
3. Premiums paid are eligible for tax benefits under section 80D
4. The sum insured can be enhanced when the policy is renewed but is subject to a maximum of Rs. 5 lakhs
5. This policy can be bought online too
6. If the proposal is accepted the company will reimburse 50% of the cost of pre-policy check-ups
7. Cashless treatments can be taken at over 6000 hospitals throughout India

1. Domiciliary treatment will not be covered
2. Injuries caused by wars and dangerous sports will not be covered
3. Visits by nurses or doctors to the house will not be covered
4. Treatment outside India will not be covered
5. Treatment for HIV/AIDS and other STD's will not be covered
6. Vaccinations and inoculations are not covered
7. Dental treatment will not be covered if not required as a result of an accident
8. Experimental and unproven treatments will not be covered