National Mediclaim Plus Policy

Overview

National Mediclaim Plus Policy is a high sum insured policy that covers the following:

• 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
• 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.

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

  • 10% discount for eligible family members.
  • Youth Discount: 10% discount if the insured or spouse is aged between 18 to 25 years.
  • 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 post-hospitalization doctor or nurse care can be availed under this plan.

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.