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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 Young India Mediclaim Policy
National Young India Mediclaim Policy is an indemnity-based insurance ...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 Young India Mediclaim Policy
A quick read on what this National Health Insurance plan covers and why it might be a fit for you.
National Young India Mediclaim Policy is an indemnity-based insurance policy available as an individual and family floater health plan. This standard health insurance plan covers essential healthcare features such as:
- AYUSH Treatments
- In-Patient Hospitalization
- Ambulance Charges
- Maternity Benefits
- Day Care Procedures, and more
National Insurance Young India Mediclaim Policy incentivizes a healthy lifestyle by offering a cumulative bonus of 5% up to 50% for claim-free years. With multiple discounts and reinstatement of Sum Insured, the plan provides efficient healthcare to its customers. Read on to understand more about the plan.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 to 43 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹5 L, ₹10 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 3 Years
*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
- Room Rent Cover
- Day Care Procedure
- AYUSH Treatment
Cons
- Morbid Obesity Treatment
- Illegal Activities
- Adventure Sports
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 Covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Covered
- Sub-limits Covered
- Compassionate travel Not covered
- Global coverage Not covered
National Young India Mediclaim Policy Benefits
Insured individuals can avail a wide range of health insurance benefits with the National Insurance Young India Mediclaim Policy, designed to reward healthy living and long-term coverage. Key benefits include:
Multiple Discounts: National Insurance Young India Mediclaim Policy offers various discounts such as for girl children, wellness, long-term, and COVID-19 vaccination at the time of policy purchase.
Maternity Benefit: Insured individuals can avail of a maternity benefit for up to INR 50,000 under the National Young India Mediclaim Policy.
Double Sum Insured for Critical Illness: If the Sum Insured is exhausted during the treatment of any of the 11 critical illnesses listed in the policy schedule, the insurance holder can claim up to another base Sum Insured under the National Young India Mediclaim Policy.
Lifetime Renewability: National Young India Mediclaim Policy offers a lifetime renewability option to insured individuals.
Personal Accident Cover: Insured individuals are covered for death, permanent disability, and permanent partial disability up to Sum Insured under the National Insurance Young India Mediclaim Policy.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Hospitalization due to war, riot, strike, or nuclear weapons
- Intentional self-injury
- AIDS
- Miscarriage and abortion
- Congenital diseases
- Infertility and in vitro fertilization
- Specific ailments after 1, 2, or 4 years
- Pre-existing diseases after 36 months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 18 years
- Max entry age: 43 years
- Initial Waiting Period: 30 days
- Sum Insured: Up to 10 Lakhs
Other features & benefits
- Cumulative Bonus
- Wellness Discount
- Long Term Discount
National Young India Mediclaim Policy: FAQs
The 7 most-asked questions about National Young India Mediclaim Policy, answered.
The National Young India Mediclaim Insurance Policy eligibility criteria start from 3 Months to 43 Years for insured individuals. Dependent children can be covered from 3 months/6 months.
The sum insured options available under the National Young India Mediclaim Insurance Policy are 3 Lakhs, 5 Lakhs, and 10 Lakhs.
Yes, maternity cover is available under the Young India Mediclaim Insurance Policy by National Insurance.
Yes, all the premiums paid towards the National Young India Mediclaim Insurance Policy are eligible for tax benefits as per the Income Tax Act of India.
The National Young India Mediclaim Insurance Policy is an indemnity-based health insurance policy that offers sum insured options between 3 to 10 Lakhs and offers standard health insurance coverage.
Yes, the National Young India Mediclaim Plus Policy provides maternity coverage for up to two deliveries, including pre-natal, post-natal, and childbirth (caesarean or normal) expenses. It also covers newborn care and vaccination costs. To avail of this benefit, the policy must be active continuously for 24 to 36 months, depending on the plan version.
Under the National Young India Mediclaim Policy (NYIMP), the waiting period for pre-existing diseases is 36 months from the policy’s start date. This means that any pre-existing medical condition will be covered only after the policy has been continuously active for three years.
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