National Mediclaim Policy

What is the Plan all About?

National Mediclaim Policy provides a comprehensive cover against skyrocketing medical costs arising from necessary treatment of any disease/illness/injury. This health plan covers hospitalization expenses for you & your family.

Key Features

Complete health plan for your family
Flexible sum insured options
Get cashless hospitalization across 6000+ network hospitals
24x7 claims assistance
Get family discount
Lifelong renewability
Get tax benefits

Policy Benefits

In-patient hospitalization expenses such as Anaesthetist, Surgeon Fees, OT charges, etc are covered.
Pre hospitalization expenses that are incurred prior hospitalization are covered up to 30 days
Post hospitalization expenses that are incurred after hospitalization are covered for 60 days.
140+ and other listed day care procedures/surgeries which need the insured to be hospitalized for less than 24 hours are covered.
Ayurveda and Homeopathy treatment expenses are covered up to 20% of SI for any illness.

Value Added Benefits

Avail cumulative bonus of 5% increase in sum insured for each claim free policy year, and it can be availed up to a maximum of 10 claims free policy period.
Enhancement of sum insured at the time of policy renewal.
Emergency ambulance charges are covered.
Health check-up is covered after every 4 continuous claim free policy years and it is covered up to up to 1% of the average sum insured.
No pre-policy medical check-up is required up to 49 years, under normal health conditions. Waiver of Pre policy check up for senior citizens if large SI opted under the policy.
50% cost of pre-policy medical check-up is reimbursed, if proposal is accepted.
Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

Room rent is capped up to 25% of SI for any one illness.
Surgeon, anaesthetist, medical practitioner’s, consultants & specialist’s fees is capped up to 25% of SI for any one illness.
Anaesthesia, Operation Theater charges, blood, oxygen, surgical appliance, & medicine etc are capped up to 50% of SI for any one illness.
Ambulance charges are capped up to 1% of SI, to a maximum of Rs 2000 in a policy period.

Waiting Period Clause

Initial Waiting Period: A waiting period of 30 days from the inception date for all hospitalization claims except in case of accidents.
Specific Waiting Period: Specific illnesses such as Benign ENT disorders, Tympanoplasty, Tonsillectomy, etc are covered after 12 months of policy coverage. Illnesses such as Cataract, Hernia, Hydrocele, Hysterectomy, etc are covered after 24 months of policy coverage. Treatment for joint replacement, Osteoarthritis and osteoporosis are covered after 48 months of policy coverage.
Pre existing Disease Waiting Period: Any pre-existing ailment/injury that was diagnosed /acquired within 48 months from the issuance of the first policy.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years, Children: 3 Months	Adult: 65 Years, Children: 25 Years
Sum Assured	0.5 Lac	5 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-