Network hospitals
3000+
Incurred claim ratio
102.35%
Sum insured
Up to 50 Lakh
No. of Plans
13
Solvency Ratio
0.3
Pan India Presence
1730
Network hospitals
3000+
Incurred claim ratio
102.35%
Sum insured
Up to 50 Lakh
No. of Plans
13
Solvency Ratio
0.3
Pan India Presence
1730
National Medicliam Plus Policy is a high sum insured policy which indemnifies for In-patient treatment expenses and 140+ Day Care Procedures/surgeries, Ayurveda and homeopathy 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 Out-patient Treatment. The policy covers medical expenses for 30 days of pre-hospitalization and 60 days of post-hospitalization.
National Health Insurance
Children Entry Age
Min: 3 Months, Max: 18 years
Adult Entry Age
Min: 18 years, Max: 65 Years
Sum Insured
2 L | 3 L | 4 L | 5 L | 7 L | 10 L| 15 L | 20 L | 25 L | 30 L | 40 L | 50 L
Plan Type
Individual/Family Floater
Policy Term
1 Year
Initial Waiting Period
30 Days*
*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.
With wide coverage options, National Mediclaim Plus Policy lets you customize your health insurance plan as per your needs and requirements:
In-patient & Out-patient coverage
Room Rent
1% of SI
ICU Charges
2% of SI
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
140+ procedures
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Up to 15% SI
No Claim Bonus
Available up to 50% of SI
Automatic Restoration
Not Available
Daily Hospital Cash
INR 500 per day
Organ Donor
Covered
Maternity Cover
INR 30,000-50,000
New Born Baby Cover
Available
Alternative Treatments
AYUSH Treatment
Covered up to SI
IVF Treatment
Not Available
Modern Treatment
Up to 25% of SI
Emergency Coverage
Ambulance
Covered up to 2.5K
Air Ambulance
Available
Compassionate Travel
Not Available
Global Coverage
Not Available
Wellness Programmes
E-Consultation
Not Available
Health Check-Up
Available every 2 years
Second Medical Opinion
Available
Vaccination
Available
Limitations
Co-payment
Applicable
Sub-limits
Not Applicable
In-patient & Out-patient coverage
Room Rent
Rs. 15,000 per day
ICU Charges
Rs. 15,000 per day
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
140+ procedures
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Up to INR 80,000
No Claim Bonus
Available up to 50% of SI
Automatic Restoration
Not Available
Daily Hospital Cash
INR 800 per day
Organ Donor
Covered
Maternity Cover
INR 60,000-75,000
New Born Baby Cover
Available
Alternative Treatments
AYUSH Treatment
Covered up to SI
IVF Treatment
Not Available
Modern Treatment
Up to 25% of SI
Emergency Coverage
Ambulance
Covered up to 4K
Air Ambulance
Available
Compassionate Travel
Not Available
Global Coverage
Not Available
Wellness Programmes
E-Consultation
Not Available
Health Check-Up
Available every 2 years
Second Medical Opinion
Available
Vaccination
Available
Limitations
Co-payment
Applicable
Sub-limits
Not Applicable
In-patient & Out-patient coverage
Room Rent
Rs. 20,000 per day
ICU Charges
Rs. 20,000 per day
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
140+ procedures
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Up to INR 1L
No Claim Bonus
Available up to 50% of SI
Automatic Restoration
Not Available
Daily Hospital Cash
INR 1,000 per day
Organ Donor
Covered
Maternity Cover
INR 80,000- 1L
New Born Baby Cover
Available
Alternative Treatments
AYUSH Treatment
Covered up to SI
IVF Treatment
Not Available
Modern Treatment
Up to 25% of SI
Emergency Coverage
Ambulance
Covered up to 5K
Air Ambulance
Available
Compassionate Travel
Not Available
Global Coverage
Not Available
Wellness Programmes
E-Consultation
Not Available
Health Check-Up
Available every 2 years
Second Medical Opinion
Available
Vaccination
Available
Limitations
Co-payment
Applicable
Sub-limits
Not Applicable
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:
Coverage status under National Mediclaim Plus Policy?
Under National Mediclaim Plus Policy, the room rent is covered up to 1% of the SI.
Under National Mediclaim Plus Policy, the room rent is covered up to INR 15,000 per day
Under National Mediclaim Plus Policy, the room rent is covered up to INR 20,000 per day
TIt is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under National Mediclaim Plus Policy?
Under this plan, ICU charges coverage is available up to 2% of the SI.
Under National Mediclaim Plus Policy, the room rent is covered up to INR 15,000 per day
Under National Mediclaim Plus Policy, the room rent is covered up to INR 20,000 per day
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under National Mediclaim Plus Policy?
This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under National Mediclaim Plus Policy?
This plan covers medical expenses incurred during post-hospitalization for up to 60 days.
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 National Mediclaim Plus Policy?
Under National Mediclaim Plus Policy, domiciliary hospitalizations are not covered.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under National Mediclaim Plus Policy?
This plan covers expenses of 140+ daycare procedures.
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under National Mediclaim Plus Policy?
Not covered under the plan.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.
Coverage status under National Mediclaim Plus Policy?
Covid Covered.
A common eye condition in which your vision gets blurred.
Coverage status under National Mediclaim Plus Policy?
Under this plan, you are covered for cataract treatment for up to INR 60,000
Under this plan, you are covered for cataract treatment for up to INR 80,000
Under this plan, you are covered for cataract treatment for up to INR 1 L
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 National Mediclaim Plus Policy?
The plan offers a maximum of up to 50% of the sum insured.
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 National Mediclaim Plus Policy?
The plan does not offer automatic restoration.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under National Mediclaim Plus Policy?
The Daily hospital cash available under the plan is Rs. 500 per day, a maximum of 5 days per hospitalization
The Daily hospital cash available under the plan is INR 800 per day, max. of 5 days
The Daily hospital cash available under the plan is INR 1000 per day, max. of 5 days
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under National Mediclaim Plus Policy?
Under the plan, Organ Donor expenses are covered up to the SI.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under National Mediclaim Plus Policy?
The maternity cover available under this plan is up to INR 30,000 for normal delivery and INR 50,000 for cesarean section.
The maternity cover available under this plan is up to INR 60,000 for normal delivery and INR 75,000 for cesarean section.
The maternity cover available under this plan is up to INR 80,000 for normal delivery and INR 1Lakh for cesarean section.
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:
Coverage status under National Mediclaim Plus Policy?
Covered which includes newborn baby vaccinations.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under National Mediclaim Plus Policy?
AYUSH treatment is covered under this plan up to SI.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under National Mediclaim Plus Policy?
Not available
Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under National Mediclaim Plus Policy?
Modern Treatment is covered for up to 25% of SI.
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 National Mediclaim Plus Policy?
This plan covers ambulance charges up to INR 2500.
This plan covers ambulance charges up to INR 4000.
This plan covers ambulance charges up to INR 5000.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under National Arogya Sanjeevani Plan?
This plan covers Ambulance charges up to 5% of SI.
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 National Mediclaim Plus Policy?
Not available
Any kind of medical/health emergency when you are outside of India.
Coverage status under National Mediclaim Plus Policy?
Not available
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 National Mediclaim Plus Policy?
The plan does not cover the expenses for E-consultation.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under National Mediclaim Plus Policy?
The plan offers health check-up benefits every 2 years.
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 National Mediclaim Plus Policy?
The plan covers the expenses for Second Medical Opinion.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under National Mediclaim Plus Policy?
The plan offers vaccination coverage for children up to the age of 12.
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 Arogya Sanjeevani Policy?
20% co-payment is applicable if treatment is taken in a non-network hospital.
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 Arogya Sanjeevani Policy?
No sub-limits are available
National Mediclaim Plus Policy offers two optional covers for critical illness and out-patient treatment.
The added advantage of critical illness means that the company shall pay the benefit amount, as stated in the schedule, provided that:
Tax Benefits
Get tax relief under section 80D
Discounts
Avail various discounts
Health Incentives
Get rewarded for your healthy lifestyle & avail regular health check ups
Optional Covers
Avail enhanced protection with additional coverage options
Post hospitalization doctor visit
Avail post hospitalization care
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
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 up shall be reimbursed.
The plan offers several optional covers that allow you to get enhanced coverage and help you to customize your plan as per your needs and requirements. Critical illness and outpatient treatment.
The benefit of a doctor or nurse care post hospitalization can be availed under this plan.
Cost of the organ to be transplanted.
Organ donor's pre and post-hospitalization expenses.
Psychological counseling or other kinds of psychotherapy under mental illness coverage.
Cosmetic dental treatment.
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
Family Floater
An affordable health plan, that offers 140+ day care procedures and covers pre-existing conditions like diabetes and hypertension.
Unique Features
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
Standard
Standard indemnity health insurance product, having Sum Insured up to 10 Lakhs available in both individuals and floater type.
Unique Features
Super Top-up
This policy covers your family members and offers high coverage at affordable prices.
Unique Features
Comprehensive
A versatile health insurance policy available on an individual and family floater basis offering various optional covers.
Unique Features
Global Coverage
This plan is essential for those who like to travel, a package policy that covers travel emergencies while traveling abroad.
Unique Features
Global Coverage
A plan beneficial for students who are traveling abroad for education, it is designed to cover medical evacuation, illness, and more.
Unique Features
Critical Illness
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
Senior citizen
Secure your parents' future by providing medical coverage to senior citizens.
Unique Features
Student Specific
Mediclaim for Students is a unique policy designed to provide health and personal accident cover to students.
Unique Features
COVID-19
This policy focuses on protecting the policyholders against the treatment expenses resulting due to COVID-19 infection.
Unique Features
Disability Plan
An indemnity health insurance designed for people falling under the category of disabled, affected with HIV/AIDS, and mental illnesses.
Unique Features
Group Health Plan
It is a group indemnity health insurance plan designed to address the basic health insurance needs of employees.
Unique Features
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
See More Health Insurance Articles
See More Health Insurance Articles
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.
4.4
Rated by 2632 customers
Select Your Rating
Let us know about your experience or any feedback that might help us serve you better in future.
You May Also Know About
Do you have any thoughts you’d like to share?