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National Senior Citizen Policy
National Senior Citizen Mediclaim Policy is a plan designed for senior citizens, allowing them to live a relaxed life post-retirement. It c…
- Reinstatement of Sum Insured
- Cataract
- Ambulance Cover
National Health Insurance
National Mediclaim Plus Policy
National Mediclaim Plus Policy is a high-sum insured policy that indem ...Read More
Up to 2 Crores
Sum insured
1
No. of plans
850+
Pan India presence
91.31%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,701 reviews
🏥 3,200+ hospitals
📊 -0.67 solvency ratio
✅ 91.31% claim settlement
About National Mediclaim Plus Policy
A quick read on what this National Health Insurance plan covers and why it might be a fit for you.
National Mediclaim Plus Policy is a high sum insured policy that indemnifies for in-patient treatment expenses, 140+ day care procedures/surgeries, Ayurveda and homoeopathy treatment, organ donor's medical expenses, maternity, hospital cash ambulance, air ambulance, medical emergency reunion, vaccination for children, and medical second opinion. The policy also provides optional covers for Critical Illness and outpatient treatment. It covers medical expenses for 30 days of pre-hospitalization and 60 days of post-hospitalization.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Min: 3 Months, Max: 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹2 L, ₹5 L, ₹10 L, ₹20 L, ₹40 L, ₹50 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1 Year
*Initial Waiting Period is the time 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.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- 12 modern treatment covered
- Maternity covered
- Lifelong renewability
Cons
- Pre-existing diseases
- Treatment outside India
- Adventure sports injury
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Not covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Covered
- New-born baby cover Covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Not covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Covered
Conditions & global
- Co-payment Covered
- Sub-limits Not covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
National Health Insurance
This video explains National Health Insurance in detail.
National Mediclaim Plus Policy Benefits
Tax Benefits
The amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.Discounts
Avail 10% discount for eligible family members. Youth Discount: Avail 10% discount if the insured or spouse is aged between 18 to 25 years. Avail 5% discount on the purchase of National Mediclaim Plus.Health Incentives
The plan lets the policyholder earn up to 50% of their SI as Health Returns if they follow a healthy lifestyle and stay fit. Expenses of health check-ups shall be reimbursed.Optional Covers
The plan offers several optional covers that allow you to get enhanced coverage and customize your plan as per your needs and requirements, including Critical Illness and outpatient treatment.Post-hospitalization doctor visit
The benefit of a doctor or nurse care post-hospitalization can be availed under this plan.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Cost of the organ to be transplanted.
- Organ donor's pre and post-hospitalization expenses.
- Psychological counselling or other kinds of psychotherapy under mental illness coverage.
- Cosmetic dental treatment.
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 50 L
Other features & benefits
- COVID vaccination
- Air ambulance
- Hospital cash benefit
National Mediclaim Plus Policy: FAQs
The 8 most-asked questions about National Mediclaim Plus Policy, answered.
You will get a free-look period of 15-30 days under National Mediclaim Plus Policy. If you cancel your plan within this period, you would receive the entire amount after a few nominal deductions.
There is no restriction for repetitive claims under National Mediclaim Plus Policy for hospitalization. You can file a claim multiple times within your sum insured limit
Yes, the plan comes with the portability benefit. As per the IRDAI guidelines, customers can port their plan from one insurer to another.
Yes, there are a few conditions under which the insurer can reject your claim. In case you are not satisfied with the reasons, you can represent the insurance company within 15 days of such denial.
If you are already insured under National Mediclaim Plus Policy, you can easily increase the sum insured at the time of renewal if you want.
It allows you to avail of the treatment and charge as per the rules and regulations of the policy. However, terms and conditions are applied.
Yes, you can use your National Mediclaim Plus Policy all over India, no matter where you bought it.
National Mediclaim Plus Policy offers discounts on insuring your spouse, kids, or the entire family under the same insurance plan.
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