National Mediclaim Plus Policy is a comprehensive health insurance plan by the National insurance company to protect the healthcare needs of the customers. The plan is designed to provide policyholders with the required protection against rising health care costs and make healthcare-associated services easy and accessible for them. This plan offers coverage against hospitalisation expenses, pre & post hospitalization costs, daycare treatment, maternity expenses, newborn and vaccination cost, etc.
Let's read more about the plan's features, benefits, and eligibility criteria.
National Mediclaim Plus Policy is a health insurance plan, allowing the insured to get quality treatment in the hour of need. Given below is a list of this plan's key features that will help you understand the plan better.
The plan offers a wide range of coverage to people of age groups between 18 to 65 years. It provides an optional cover for critical illness and outpatient treatment.
The National Mediclaim Plus Policy plan is available within three sum insured payment plan options ranging from Rs. 2,00,000 to Rs. 50,00,000. These plans are:
Expenses such as room rent, ICU charges, nursing care charges, anaesthesia, oxygen, blood, diagnostics, medical practitioner, OT charges, prosthetic charges and other devices (if implanted internally in case of a surgical procedure) are taken care of by this plan.
The plan provides pre-hospitalization cover (up to 30 days) and post-hospitalization cover (up to 60 days) respectively for the same disease/illness/injury for which hospitalization occurred.
The plan allows you to avail the cashless facility at any network hospital. Under the same, you don't have to pay a single penny from your pocket to get the treatment done.
The plan offers coverage against 12 Modern treatments including Robotic surgery, oral chemotherapies, immunotherapies and many more. The maximum cover provided for availing any one modern treatment is equal to 25% of the sum insured amount.
The plan provides an additional benefit where the sum insured amount increases annually by 5% for each claim-free year. The maximum increase in this amount can be up to 50% of the opted sum insured amount.
It reimburses the cost of the health check-up once at the end of a block of every 3 claim-free years.
With this plan, customers can avail of various discounts including discounts on online purchase of policy, family and youth discount of 10%.
National Mediclaim Plus Policy offers coverage against 140+ day care procedures that require less than 24 hours of hospitalization.
If you are diagnosed with a serious disease, a medical second opinion from the World Leading Medical Centre will be arranged. It will cover up to 160+ diseases.
The plan comes out with multiple optional covers that help you enhance the basic cover at a nominal cost such as critical illness, good health incentives and outpatient treatment among others.
To assist you for a long tenure, the plan offers the lifelong renewability option to all policyholders.
The plan covers expenses of multiple treatments that include ayurvedic, allopathic, and homoeopathic.
The premium that you paid towards your health insurance policy is liable to get the helpful tax benefits under section 80D of the Income Tax Act, 1961.
Customers are required to fulfill a certain set of conditions to buy the National Mediclaim Plus Policy. Given below are the details of the eligibility criteria of this plan. Let's have a look.
|Age at entry||18 years||64 years|
|Sum Insured||Rs. 2 Lakhs||Rs. 50 Lakhs|
|Policy Term||1 Year|
|Grace Period||30 days|
For your convenience, we've created here a sample illustration chart that shows the premium rates of the plan as per the different sum insured amounts opted by the insured person. Note that the data in this chart is calculated for a 30-year male person selecting the Plan A category of the sum insured.
Sample Premium Illustration of National Mediclaim Plus Policy
There are certain exclusions applicable within this plan under which the company does not pay any coverage benefits. It is important that you as a customer should have a clear understanding of these exclusions before buying this plan to avoid any confusion at the time of settling the claim. The plan has the following exclusions:
National Insurance Company offers a simple and hassle-free process. There are two options from which people can choose- cashless and reimbursement. Let's explore in detail.
Cashless Claim Procedure
The cashless claim process allows the insured to get the required cover without paying a single penny from his/her pocket.
Reimbursement Claim Procedure
Under this process, you have to pay all your medical bills in the first place and then you can file for the reimbursement. For the same, you need to immediately inform the insurer.
While filing for a claim, the policyholder is required to support his claim form along with the following list of documents:
You can easily purchase health insurance from the company's official website. However, please note that the company sells only a few health insurance products online.
In the section below, we've given a step-by-step process for buying health insurance from the National Insurance company's website. Read along to find out.
Once done, you will get a soft copy of the policy on your registered email ID. You can also visit the nearest National Insurance company's branch to buy health plans.
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Common Exclusions In A Health Insurance Policy
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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