National Mediclaim Policy

The National Mediclaim Policy can be taken for a period of 1 year offers policyholders the benefits of cashless treatments at over 6000 hospitals across the country. Once taken, the health insurance policy can be renewed through the life of the policyholder and offers benefits like and Homeopathic treatments along with allopathic treatments.

Features & Benefits of National Mediclaim Policy:

Entry Age 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.
Basis Individual
Policy Period 1 year with a grace period of 30 days
Renewability Lifelong
Sum Insured Ranges from Rs. 50,000 to Rs. 5 lakhs
Medicals Require if the age of the insured is above 50 years and they are taking the policy for the first time
Discount 10% discount on premiums if family members are also covered under this policy
  • The policy will cover over 140 day care procedures
  • Pre-hospitalisation expenses up to 30 days before hospitalisation will be covered
  • Post-hospitalisation expenses incurred up to 60 days after hospitalisation will be covered
  • Ambulance charges up to Rs. 2,000 will also be covered
  • Room charges including administration, nursing, transfusion and injection charges
  • General physicians, surgeon, anaesthetist or specialist's fee
  • Cost of medicines including blood, oxygen, tests, appliances etc. will be covered
  • The waiting period for pre-existing conditions to be covered is 4 years
  • During the first 30 days only accidental injuries will be covered
  • This policy will cover Ayurvedic and Homeopathic treatments up to 20% of the sum insured
  • Every claim free year will enhance the sum insured by 5%
  • Premiums paid are eligible for tax benefits under section 80D
  • The sum insured can be enhanced when the policy is renewed but is subject to a maximum of Rs. 5 lakhs
  • This policy can be bought online too
  • If the proposal is accepted the company will reimburse 50% of the cost of pre-policy check-ups
  • Cashless treatments can be taken at over 6000 hospitals throughout India
  • Domiciliary treatment will not be covered
  • Injuries caused by wars and dangerous sports will not be covered
  • Visits by nurses or doctors to the house will not be covered
  • Treatment outside India will not be covered
  • Treatment for HIV/AIDS and other STD's will not be covered
  • Vaccinations and inoculations are not covered
  • Dental treatment will not be covered if not required as a result of an accident
  • Experimental and unproven treatments will not be covered

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.

 4.5 / 5.0   by 11 users
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National Mediclaim Policy Reviews

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  • National Insurance Health Insurance
    "Good policy"
    0.5 5.0/5 "Blown Away!"
    I have taken a health insurance policy from National Insurance. This is a family policy, individually it covers 50k for all the persons. Annual premium i am paying Rs. 6900 and this insurance covers all type of critical illness and still there is a no claim. All network hospitals coverd in ths mediclaim.
    Was this review helpful? 0
    , patan
    Reviewed on Jan 30, 2020
  • National Insurance
    National Insurance Health Insurance
    "Good only for corporate plan"
    0.5 5.0/5 "Blown Away!"
    My company has provided me a medical insurance from National Insurance. This is a group mediclaim policy which covers for my entire family. They are providing me a coverage of Rs. 1 lakhs. My claim experience is quite fine with National. They have processed the claim in 1 week. They covered almost for 100%.
    Was this review helpful? 0
    , new delhi
    Reviewed on Sep 24, 2019
  • National Insurance Health Insurance
    "Good Mediclaim"
    0.5 5.0/5 "Blown Away!"
    I got the group insurance from National Insurance, the total mediclaim is around Rs. 5 lakhs its covers my entire family. In my area the insurer got tied up with lots of hospital and I got the medical card. They are providing critical illness as well.
    Was this review helpful? 0
    , tirupati
    Reviewed on Sep 06, 2019
  • National Insurance Health Insurance
    "Smooth Claim experience"
    0.5 5.0/5 "Blown Away!"
    I got mediclaim from National Insurance I think Rs. 2 lakhs is the coverage its only for me, I had very smooth claim experience. When I was suffering stomach infection I was admitted in the hospital , they just checked the policy no and ID proof they immediately done the cash less treatment and also I have reimbursement option for medicines.
    Was this review helpful? 1
    , pune
    Reviewed on Aug 20, 2019
  • National Insurance Health Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    I have the mediclaim policy with National Insurance for the cover of Rs. 3 lakhs they have major and minor hospitals tie up, they gave me list of hospitals, policy duration is good. There is no pre existing or critical illness cover. They have cover for major diseases, the premium is low with best benefits.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 11, 2018
  • National Insurance Health Insurance
    "Below average service"
    0.5 2.0/5 "Expected more"
    I got the mediclaim health insurance policy from the NATIONAL INSURANCE company around 2 years ago. The customer support service and the response is good from the NATIONAL INSURANCE but while it comes to claim experience they are not up to the mark . I have the medical claim up to Rs,2,00,000, but they are taking too much time to settle the claim amount. The process need to be quick and fast from the NATIONAL INSURANCE health insurance policy.
    Was this review helpful? 0
    , nasik
    Reviewed on May 21, 2018
  • National Insurance Health Insurance
    0.5 5.0/5 "Blown Away!"
    I have mediclaim policy with the National Insurance company and am paying around 12000 Rupees per annum. It will covers my full family and the medical coverage value is around 2 lakh Rupees for my parents while 1.5 lakh Rupees as the coverage for myself and my sister. I have faced the claims and it went in the good manner.
    Was this review helpful? 1
    , kolkata
    Reviewed on Apr 28, 2016
  • National Insurance Health Insurance
    "very good"
    0.5 4.0/5 "Great!"
    I have taken a mediclaim policy in the national insurance. I took this policy before 20 years. It covers accidental policy and cashless treatments. I consider it as very beneficial. Overall it is very good and based on my experience I would recommend it to others.
    Was this review helpful? 0
    , kolkata
    Reviewed on Mar 21, 2016
  • National Insurance Health Insurance
    0.5 4.0/5 "Great!"
    I have taken a mediclaim insurance with National Insurance. It covers everything like all the decease, accidental etc. It has a cashless benefit. We have to hospitalize for 24 hours. , I have not claimed anything so far. If we claim anything their service is good.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Aug 11, 2015
  • National Insurance Health Insurance
    "Covers the family"
    0.5 3.0/5 "Satisfactory"
    National Insurance Medi claim is good. I had a wonderful experience with them. I am yet to receive my mediclaim details . It provides tax cover under 80 cc and it provides cover for my family as well. I am getting complete cover for premium. The speciality of this insurance is this can be taken for old age above 55 years of age after taking the medical test which other insurance provider does not provide.
    Was this review helpful? 2
    , noida
    Reviewed on Mar 21, 2015
  • National Insurance Health Insurance
    0.5 4.0/5 "Great!"
    Its a Mediclaim policy I took before 6 years from National insurance. I had submitted two claims as of now and they provide cash less treatments. With the help of agent, I pay the premium.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 28, 2015
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