National Insurance Group Mediclaim Policy
  • Coverage for modern treatment
  • Covers HIV/AIDS treatment
  • Covers 140+ daycare procedures
National Health Insurance
premium

Network hospitals

3000+

premium

Incurred claim ratio

102.35%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

13

premium

Solvency Ratio

0.3

premium

Pan India Presence

1730

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

3000+

premium

Incurred claim ratio

102.35%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

13

premium

Solvency Ratio

0.3

premium

Pan India Presence

1730

National Insurance Group Mediclaim Policy

Buying individual health insurance may seem hectic for some of us, as the monthly premiums might be a pain for our pockets. Here comes the contribution of a group mediclaim policy that offers you all-inclusive health support benefits. The National Insurance Group Mediclaim Policy is an indemnity insurance product that significantly provides coverage for a group of policyholders. The plan caters to the basic health care needs of an employer-employee and a non-employer-employee. Anyone is entitled to get issued with this policy on an individual basis under a group. Given that the separate sum insured of the plan applies to each of the individuals who are insured under the group policy, the above condition applies to a family group or an employee-employer group.

This plan has a wide sum insured ranging from INR 50,000 to INR 10 Lakhs in 15 slabs (in the multiples of x value in ascending order). The value of the sum insured is attended in two ways:

  • Sum insured- INR 50,000 - 5 Lakhs (comes in a multiple of INR 50,000)
  • Sum insured- INR 6 - 10 Lakhs (comes in a multiple of INR 1 Lakh)

Apart from this, if you are worried about getting coverage for daycare treatment or hospitalisation, worry not. National Insurance Group policy covers 140+ daycare procedures, along with in-patient hospitalisation (for allopathic, homoeopathic, and Ayurvedic treatment), pre-hospitalisation (30 days prior hospitalisation), post-hospitalisation (60 days from the date of hospital discharge), and an illness constrained during the policy tenure.

Similarly, the plan has extended coverage facilitating 12 kinds of modern treatment, the inclusion of advanced treatment like HIV/AIDS, mental illness, morbid obesity, refractive error correction, organ donor's expenses, ambulance service benefits, etc. Additionally, this plan has a clause of sub-limits which is subject to be applied over the mentioned expenses from the policy schedule. For example, room rent charges, medical practitioner/doctor's visit fees, procedures such as hemodialysis, radiotherapy, and chemotherapy (subject to over-sub-limit expenses), pre & post-hospitalisation, etc are advised under or over the sub-limit (as per the schedule).

This page consists of the benefits and specifications of the National Insurance Company Group Policy. Read further to know more.

Eligibility Criteria for the National Insurance Group Mediclaim Policy

These are a few factors that decide the eligibility criteria for the National Insurance Group Mediclaim Policy:

Child Entry Age

3 Months - 18 Months (dependant)

Adult Entry Age

18 Years - No Maximum Limit

Plan Type

Group indemnity policy (on an individual basis)

Policy Tenure

1 Year

Initial Waiting Period

30 Days

Sum Insured

INR 50,000 - 10 Lakhs

*The Initial Waiting Period is the period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

To know more about the plan, read the prospectus provided below:

Benefits of National Group Mediclaim Policy

Read below to know in detail about the benefits of a group mediclaim policy by the National Insurance Company:

  • Hospitalisation benefits with sub-limit

    The policyholder can avail of the hospitalisation benefits, specifications of which are mentioned here:
    The plan covers expenses for the ICU, room charges, doctor's/consultation fees, modern treatment, etc on an applicable rate of the sub-limit. Apart from this, hospitalisation charges for hemodialysis, chemotherapy, and radiotherapy are also applicable on a sub-limit.
  • Pre-existing disease cover

    Pre-existing diseases that are mentioned under the schedule of your policy, are covered after a waiting period of 4 years.
  • Co-payment discounts

    If the policyholder opts for a copayment at the rate of 5%, they can avail of a 4% discount on the payable premiums. And on choosing a copayment of 10%, you are entitled to avail of an 8% discount on your policy's premium.
  • Modern treatment cover

    You can avail of the coverage benefit against 12 listed modern treatments under this plan. For hospitalisation of the same, a maximum of 25% of the sum insured will be applicable.
  • Optional covers available

    There are two optional covers under the plan:
    • For modern treatment: The plan facilitates and enhances up to 12 kinds of modern treatment procedures which are all subject to 50% of the sum insured for each treatment.
    • For maternity benefits: You can avail of INR 50,000/- the maximum for each delivery or a medically necessary termination of pregnancy in a policy year.
  • Tax Benefits

    All the premiums paid towards the National Group Mediclaim Policy are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.

Specifications of National Insurance Group Mediclaim Policy

The National Insurance Group Mediclaim Policy has different features based on the criteria mentioned in the company's policy schedule. See below the plan specifications:

In-patient & Out-patient coverage

Room Rent

Available

ICU Charges

Available

Pre-Hospitalization

Available

Post-Hospitalization

Available

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Not Applicable

Automatic Restoration

Not Covered

Daily Hospital Cash

Not Covered

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Applicable

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Not Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Applicable

Sub-limits

Applicable

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under the National Insurance Group Mediclaim Policy?

Room rent per day shall be payable up to 1% of the Sum Insured subject to a maximum of INR 10,000 per day. The maximum amount admissible under room charges for any one illness shall be 25% of the SI.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under the National Insurance Group Mediclaim Policy?

ICU Charges per day shall be payable up to 2% of Sum Insured subject to a maximum of INR 20,000 per day (sub-limits are applicable)

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under the National Insurance Group Mediclaim Policy?

Covered for up to 30 days before hospitalisation.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under the National Insurance Group Mediclaim Policy?

Covered for up to 60 days after hospitalisation.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under the National Insurance Group Mediclaim Policy?

Not Available

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under the National Insurance Group Mediclaim Policy?

140+ listed daycare treatments covered up to SI.

What are OPD charges?

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under the National Insurance Group Mediclaim Policy?

Not covered.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.

Coverage status under the National Insurance Group Mediclaim Policy?

Covid-19 Covered.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under the National Insurance Group Mediclaim Policy?

Covered. Subject to 25% of the Sum Insured or INR 40,000 per eye, whichever is lower in a policy period for each insured person with a waiting period of 2 years.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under the National Insurance Group Mediclaim Policy?

Not Applicable.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under the National Insurance Group Mediclaim Policy?

Not applicable.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under the National Insurance Group Mediclaim Policy?

Not available

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under the National Insurance Group Mediclaim Policy?

The expenses of the organ donor are covered.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under the National Insurance Group Mediclaim Policy?

Covered only under the optional covers. Ranges up to INR 50,000 for up to the first two deliveries or terminations of pregnancy of the insured.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under the National Insurance Group Mediclaim Policy?

Pre-natal and post-natal hospitalisation expenses per delivery are covered under maternity cover (applicable under optional covers only)

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under the National Insurance Group Mediclaim Policy?

Only Ayurveda and Homeopathy treatment and hospitalisation under these two are applicable.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under the National Insurance Group Mediclaim Policy?

Not covered

What is a Modern Treatment?

Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under the National Insurance Group Mediclaim Policy?

12 kinds of modern treatment are covered. The maximum amount admissible for any one modern treatment shall be 25% of the Sum Insured and this limit may be increased to 50% of the Sum Insured, by opting for optional cover.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under the National Insurance Group Mediclaim Policy?

Covered up to 1% of the Sum Insured subject to a maximum of INR 1,000 in a policy year for each insured person, for transportation to the hospital or from the hospital to another hospital or from the hospital to the diagnostic centre and return during the same hospitalisation.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under the National Insurance Group Mediclaim Policy?

Not covered.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under the National Insurance Group Mediclaim Policy?

Not Applicable

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under the National Insurance Group Mediclaim Policy?

Not covered.

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under the National Insurance Group Mediclaim Policy?

Not covered.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under the National Insurance Group Mediclaim Policy?

Not covered.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under the National Insurance Group Mediclaim Policy?

Not covered.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under the National Insurance Group Mediclaim Policy?

Not covered.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under National Mediclaim Policy?

Applicable.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under National Mediclaim Policy?

Available.

What is not covered (Exclusions) under the National Group Mediclaim Policy?

Here is a list of standard exclusions under the National Group Mediclaim Policy:

Investigation and evaluation

Rest cure, rehabilitation and respite care

Obesity/ weight control treatment

Change-of-gender treatments, cosmetic or plastic surgery, and unproven treatments

Birth control, sterility and infertility

Hazardous or adventure sports

Breach of law, drug/alcohol abuse, self-inflicted injury, suicidal act, and non-prescription drug

Hormone replacement therapy, general debility, congenital external anomaly, and dental treatment

Domiciliary hospitalisation & out-patient department (OPD) treatment

Massages, steam baths, alternative treatment (Other than Ayurveda and Homeopathy)

Treatment taken outside the geographical limits of India

Permanently excluded diseases, etc.

How to claim the National Insurance Group Mediclaim Policy?

To avail of claim settlement services, the insured individual must follow the process below:

For cashless

  • Cashless claims are subject to be facilitated in networking hospitals by a TPA only
  • Inform your TPA/insurer about getting hospitalised in a non-networking hospital 72 hours before a planned hospitalisation.
  • In case of an emergency/ unplanned admission, intimidate your TPA within 24 hours of your hospitalisation
  • The hospital will send the TPA, the filled, pre-authorization form of the insured individual, the proposed treatment bills, and all the expenses of treatment estimated by the hospital authorities.
  • The policyholders can intimate their TPA for the pre and post-hospitalisation separately
  • Once the treatment is received, you must submit all the original copies of the requested documents within 15 days.

For Reimbursement

  • Inform your TPA/insurer about getting hospitalised in a non-networking hospital (72 hours prior in case of planned hospitalisation and within 72 hours in case of unplanned hospitalisation/emergency)
  • Submit the claim form (parts A & B), hospital discharge summary, medical receipts, investigation records, etc
  • Submit all the asked documents at your TPA's office within 15 days from your date of discharge from the hospital
  • The policyholder is allowed to claim on separate grounds for pre-hospitalisation claims and post-hospitalisation claims against the treatment received
  • On examination and evaluation of the claim, the insured would receive the reimbursed amount

Documents required to be submitted:

  • Completely and sincerely filled claim form (parts A & B) issued by your insurance company
  • Original copies of certification of admission at the hospital, medical bills, hospital discharge summary, a recorded medical history document, etc
  • Diagnosis receipt, prescriptions from the pharmacist, chemist, or a medical practitioner
  • Other documents requested/asked by your policy's TPA or insurance company

Individuals can call the toll-free number 1800 345 0330 or email nic.health@nic.co.in to know about their policy's claim settlement procedure.

Explore other National Health Plans

National Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Standard

If you are looking for a policy that covers you for In-patient treatment expenses and 140+ Day Care Procedures then this plan is the right choice.

Unique Features

  • Avail cover up to 50 lakhs
  • Critical Illness benefit
  • 5% Increase in SI

Mediclaim Policy (Pros)

  • 140+ Daycare Treatments
  • 50% No-Claim Bonus
  • Tax Benefits
  • Online Discounts Available
  • Health Check-up Available

Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Mediclaim Policy (Other Benefits)

  • COVID Vaccination
  • Flexible-Premium Facility
  • AYUSH Treatment
  • Room Rent Cover
  • Robotic surgeries Cover

Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Comprehensive

This plan suits you best if you are a newly married individual or have dependents like kids or elderly parents as this health plan covers all of them along with you.

Unique Features

  • 12 Modern treatments
  • Maternity cover
  • Lifelong renewability

Mediclaim Policy (Pros)

  • Up to 50 L SI
  • 50% No-Claim Bonus
  • Tax Benefits
  • OPD Treatment Available
  • Health Check-up Available

Mediclaim Policy (Cons)

  • Treatment outside India
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Mediclaim Policy (Other Benefits)

  • COVID Vaccination
  • Air Ambulance Cover
  • Maternity Cover
  • Hospital Cash Benefit
  • Children Vaccination Available

Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 2 L to 50 L
  • Waiting Period - 30 Days

Family Floater

An affordable health plan, that offers 140+ day care procedures and covers pre-existing conditions like diabetes and hypertension.

Unique Features

  • Infertility treatment cover
  • Vaccination for children
  • Cataract Treatment Covered

Parivar Mediclaim Policy (Pros)

  • 140 + day care procedures covered
  • Affordable Premiums
  • Maternity Cover
  • Ambulance Cover
  • Infertility Cover

Parivar Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Parivar Mediclaim Policy (Other Benefits)

  • Organ Donor Expenses
  • Vaccination Cover
  • AYUSH Cover
  • No Pre-Policy Check-Up
  • No Co-Pay

Parivar Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Family Floater

If you are looking for a healthcare policy providing a high sum assured and covers your family members under one cover this is the right policy for you.

Unique Features

  • Cover up to 50 Lakhs
  • 5% No claim discount
  • Critical Illness Benefit

Parivar Mediclaim Plus Policy (Pros)

  • High SI
  • Zone Wise Premiums
  • Multiple Discounts
  • Optional Covers Available
  • OPD Cover

Parivar Mediclaim Plus Policy (Cons)

  • Treatment outside India
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Parivar Mediclaim Plus Policy (Other Benefits)

  • Affordable Premiums
  • Tax Benefit
  • AYUSH Cover
  • Anti Rabies Vaccination
  • Air Ambulance

Parivar Mediclaim Plus Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 6 L to 50 L
  • Waiting Period - 30 Days

Standard

Standard indemnity health insurance product, having Sum Insured up to 10 Lakhs available in both individuals and floater type.

Unique Features

  • Individual/Floater
  • Online purchase discount
  • EMI facility available

Arogya Sanjeevani Policy (Pros)

  • High SI
  • Affordable Premiums
  • Tax Benefits
  • Up to 50% No-claim Bonus
  • Flexible-Premium Payment

Arogya Sanjeevani Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Arogya Sanjeevani Policy (Other Benefits)

  • Enhanced Limits for Room Rent
  • Avail Online Discounts
  • Change Sum Insured
  • Lifelong Renewal
  • AYUSH Treatment

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Super Top-up

This policy covers your family members and offers high coverage at affordable prices.

Unique Features

  • Organ donation covered
  • Morbid obesity treatment covered
  • Portability allowed

Super Top Up Mediclaim Policy (Pros)

  • High SI
  • Affordable Premiums
  • Tax Benefits
  • HIV/AIDS Cover
  • Obesity Treatment

Super Top Up Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Super Top Up Mediclaim Policy (Other Benefits)

  • No Sub-Limits
  • Tax Benefits
  • No Base Policy Required
  • Multiple Discounts
  • Up to 50% No-Claim Bonus

Super Top Up Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 20 L
  • Waiting Period - 30 Days

Comprehensive

A versatile health insurance policy available on an individual and family floater basis offering various optional covers.

Unique Features

  • No pre-policy Check-up
  • Health Incentives
  • Tax Benefits

Young India Mediclaim Policy (Pros)

  • Multiple Discounts Available
  • Zone Wise Premium
  • COVID Vaccination
  • Daycare Treatment Cover
  • Comprehensive Cover

Young India Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Young India Mediclaim Policy (Other Benefits)

  • High SI
  • Cataract Cover
  • Maternity Cover
  • AYUSH Treatment Cover
  • Personal Accident Cover

Young India Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 43 Years
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

Global Coverage

Overseas Mediclaim Business and Holiday

This plan is essential for those who like to travel, a package policy that covers travel emergencies while traveling abroad.

Unique Features

  • Coverage for business travel
  • Coverage for education abroad
  • Medical evacuation available

Overseas Mediclaim Business and Holiday (Pros)

  • Loss of Baggage Cover
  • Corporate Cover
  • Personal Accident Cover
  • Loss Of Passport Cover
  • Personal Liability Cover

Overseas Mediclaim Business and Holiday (Cons)

  • Hazardous Occupation
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

National OMBH Policy (Other Benefits)

  • Check-in Baggage Delay
  • Tax Benefit
  • Loss Of Check-in Baggage
  • Dental services
  • Permanent Total Disablement

National OMBH Policy (Eligibility Criteria)

  • Entry Age - N/A
  • Max Entry Age - N/A
  • SI - N/A
  • Waiting Period - 30 Days

Global Coverage

Overseas Mediclaim Employment and Study Plan

A plan beneficial for students who are traveling abroad for education, it is designed to cover medical evacuation, illness, and more.

Unique Features

  • Medical Evacuation
  • 5k USD medical emergency cover
  • Mental illness cover

Overseas Mediclaim Employment and Study Plan (Pros)

  • Illness Expense Cover
  • Accident Cover
  • Medical Evacuation
  • Transportation of Remains
  • Loss of Entire Sight Cover

Overseas Mediclaim Employment and Study Plan (Cons)

  • Hazardous Occupation
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

National OMES Policy (Other Benefits)

  • Permanent Total Disablement
  • Tax Benefit
  • Mental Illness Cover
  • Funeral Expenses
  • Affordable Premiums

National OMES Policy (Eligibility Criteria)

  • Entry Age - N/A
  • Max Entry Age - N/A
  • SI - N/A
  • Waiting Period - 30 Days

Critical Illness

National Critical Illness Policy

A unique benefit policy that covers expenses in the event of the insured person being affected with any of the listed critical illnesses.

Unique Features

  • Cover up to 75 Lakhs
  • Covers pre-existing conditions
  • 37 critical illnesses covered

Critical Illness Policy (Pros)

  • High SI
  • Cancer Cover
  • Lump Sum Benefit
  • Short Survival Period
  • Sum Insured Enhancement

Critical Illness Policy (Cons)

  • Treatment outside India
  • PED
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Critical Illness Policy (Other Benefits)

  • Affordable Premiums
  • Tax Benefit
  • Brain Surgery Cover
  • Alzheimer's Disease
  • Aorta Graft Surgery Cover

Critical Illness Policy (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 75 L
  • Waiting Period - 30 Days

Senior citizen

Secure your parents' future by providing medical coverage to senior citizens.

Unique Features

  • 5% increase in SI
  • 2 Plan options
  • Covers spouse

Senior Citizen Mediclaim Policy (Pros)

  • High SI
  • Affordable Premiums
  • Tax Benefits
  • Up to 50% No-claim Bonus
  • Optional Covers Available

Senior Citizen Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Senior Citizen Mediclaim Policy (Other Benefits)

  • Regular medical consultation
  • Avail Online Discounts
  • AYUSH Treatment
  • Domiciliary Hospitalization
  • Hospital Cash

Senior Citizen Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 65 Years
  • Max Entry Age - 70 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Student Specific

National Vidyarthi Mediclaim Policy

Mediclaim for Students is a unique policy designed to provide health and personal accident cover to students.

Unique Features

  • Covers parents and students
  • Eyesight correction
  • Genetic disorders covered

Vidyarthi Mediclaim Policy (Pros)

  • Group Discount
  • 50% No-Claim Bonus
  • Tax Benefits
  • Hospitalization Cover
  • In-Patient Care

Vidyarthi Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Vidyarthi Mediclaim Policy (Other Benefits)

  • 12 Modern Treatment
  • Mental Illness
  • Genetic Disorders Cover
  • Eyesight Correction
  • Pre & Post Hospitalization

Vidyarthi Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Years
  • Max Entry Age - 25 Years
  • SI - 50K to 2 L
  • Waiting Period - 30 Days

COVID-19

This policy focuses on protecting the policyholders against the treatment expenses resulting due to COVID-19 infection.

Unique Features

  • Covers spouse and children
  • 5% discount for health staff
  • 10% online discount

Corona Kavach Policy (Pros)

  • Home Care Treatment
  • COVID Care
  • No Sub-Limits
  • No Pre-Policy Check-Up
  • Affordable Premiums

Corona Kavach Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Corona Kavach Policy (Other Benefits)

  • 15 Day Pre Hospitalization Cover
  • 30-Day Post-Hospitalization Cover
  • Discounts Available
  • Tax Benefits
  • Oxygen Cylinder Cover

Corona Kavach Policy (Eligibility Criteria)

  • Entry Age - 1 Day
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Disability Plan

National Divyan Sanjeevani Policy

An indemnity health insurance designed for people falling under the category of disabled, affected with HIV/AIDS, and mental illnesses.

Unique Features

  • No pre-policy check-up
  • Affordable Premiums
  • Tax Benefits

Divyan Sanjeevani Policy (Pros)

  • In-Patient Hospitalization
  • AYUSH Cover
  • Day Care Cover
  • Dental Treatment
  • Modern Treatment

Divyan Sanjeevani Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Divyan Sanjeevani Policy (Other Benefits)

  • Cataract Treatment
  • Acid Attack Cover
  • Blindness Cover
  • Chronic Neurological Cover
  • Ambulance Cover

Divyan Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - Newborn
  • Max Entry Age - 65 Years
  • SI - 4 L to 5 L
  • Waiting Period - 30 Days

Group Health Plan

It is a group indemnity health insurance plan designed to address the basic health insurance needs of employees.

Unique Features

  • 140+ daycare procedures
  • HIV Cover
  • Affordable Premiums

Group Mediclaim Policy (Pros)

  • SI up to 10 L
  • AYUSH Cover
  • Optional Covers Available
  • Discounts Available
  • Mental Illness Treatment

Group Mediclaim Policy (Cons)

  • Treatment outside India
  • OPD Diagnostics
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries

Group Mediclaim Policy (Other Benefits)

  • Co-Pay Discounts Available
  • PED Cover
  • 30 Day Pre Hospitalization
  • 60-Day Post Hospitalization
  • Modern Treatment

Group Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - N/A
  • SI - 50k to 10 L
  • Waiting Period - 30 Days

Accident Policy

This policy is designed to cater to high-risk professionals categorized as the normal, medium, and heavy occupational risk of the person.

Unique Features

  • 100% accidental death payout
  • PTD, PPD, TTD benefit
  • Dead body portability

Personal Accident Policy (Pros)

  • Temporary disability treatment
  • Death coverage benefits to the family
  • Loss of organ cover
  • Educational fund
  • Permanent Partial Disability cover

Personal Accident Policy (Cons)

  • PEDs not covered
  • Adventure sports not covered
  • Vaccination not covered
  • Maternity not covered

Personal Accident Policy (Other Benefits)

  • Family discounts available
  • Accidental treatment benefits up to SI
  • Cashless claim settlement
  • Deady body portability

Personal Accident Policy (Eligibility Criteria)

  • Entry age - 5 - 70 Years
  • SI - Upto INR 10 Lakhs
  • Policy tenure - 1 Year
  • Waiting period - None

Wrapping it up

National Insurance Group Mediclaim policy is a wholesome indemnity insurance that provides overall coverage to the policyholder. The coverage benefits include pre and post-hospitalisation, in-patient care (for Allopathy, Ayurveda, and Homoeopathy) modern treatment, daycare procedures, mental illness coverage, and much more.

There's no better way of safeguarding yourself as the entitled insured of a group and your family with a group plan than the National Insurance mediclaim policy. So, why the wait? Waste no time to buy a health policy now!

Want to know more? Contact our customer care executives at 18003450330 or visit the official website of PolicyX.com.

National Group mediclaim policy: FAQ's

1. What are the coverages under the National Insurance Group mediclaim policy?

In-patient care (Allopathic, Ayurveda and Homoeopathy), day care treatment, pre-hospitalisation (30 days) and post-hospitalisation (60 days) expenses, 140+ day care procedures, mental illness treatment, HIV/ AIDS treatment, organ donor's medical expenses, ambulance charges & Morbid Obesity Treatment,

2. Are daycare procedures covered under the plan?

Yes, more than 140 daycare procedures are covered under the National Insurance group mediclaim policy.

3. What is the maximum sum insured for this plan?

The maximum sum insured of this plan goes up to INR 10 Lakhs of which SI ranging from INR 50,000 - 5 Lakhs comes in a multiple of INR 50,000. Whereas, SI of INR 6-10 Lakhs is available in the multiples of INR 1 Lakh.

4. Can I get a modern treatment cover with the National Insurance Group Mediclaim policy?

Yes, 12 kinds of modern treatment within the sub-limit are available under the plan.

5. Who should buy this plan?

The National Insurance group mediclaim policy is curated to provide basic health care support for a group of people either as an employer-employee or a non-employer-employee.

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Simran Nirala

Written By: Simran Nirala

Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.