National Young India Mediclaim Insurance Policy

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:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under the National Young India Mediclaim Policy?

Under the National Young India Mediclaim Policy, the room rent is covered

• Upto INR 5,000 per day for Basic SI 3L, 5L
• upto INR 10,000 per day for Basic SI 10 L

TIt is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under the National Young India Mediclaim Policy?

Under the National Young India Mediclaim Policy, ICU charges are covered

• Upto INR 10,000 per day for Basic SI 3L, 5L
• Upto INR 20,000 per day for Basic SI 10 L

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under the National Young India Mediclaim Policy?

Under the National Young India Mediclaim Policy, pre-hospitalization is covered for up to 45 days.

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under the National Young India Mediclaim Policy?

National Young India Mediclaim Policy covers medical expenses incurred during post-hospitalization for 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 the National Young India Mediclaim Policy?

National Young India Mediclaim Policy covers domiciliary hospitalizations.

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under the National Young India Mediclaim Policy?

National Young India Mediclaim Policy covers the expenses of all daycare procedures up to SI.

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under the National Young India Mediclaim Policy?

OPD charges are not covered under the National Young India Mediclaim Policy.

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.

Coverage status under the National Young India Mediclaim Policy?

National Young India Mediclaim Policy does not cover COVID-19.

A common eye condition in which your vision gets blurred.

Coverage status under the National Young India Mediclaim Policy?

National Young India Mediclaim Policy covers Cataract Treatment with a Limit of Up to 10% of the Sum Insured, subject to a maximum ₹ 50,000 per eye per year.

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 the National Young India Mediclaim Policy?

National Young India Mediclaim Policy offers a no-claim bonus of 5% of the sum insured for each claim-free year up to a maximum of 50% of SI.

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 the National Young India Mediclaim Policy?

National Young India Mediclaim Policy offers automatic restoration to its original amount upon exhaustion, available to Policy with Basic SI 5 and above.

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under the National Young India Mediclaim Policy?

The Daily hospital cash is not available under the National Young India Mediclaim Policy.

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under the National Young India Mediclaim Policy?

Under the National Young India Mediclaim Policy, organ donor expenses are covered as an optional cover.

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under the National Young India Mediclaim Policy?

Under the National Young India Mediclaim Policy, Maternity Cover is available.

• For SI 3 L – up to INR 30,000
• For SI 5 L - up to INR 40,000
• For SI 10 L - INR 50,000

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under the National Young India Mediclaim Policy?

Under the National Young India Mediclaim Policy, AYUSH treatment is covered up to SI.

Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under the National Young India Mediclaim Policy?

Under the National Young India Mediclaim Policy, modern treatments are covered 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 the National Young India Mediclaim Policy?

Under the National Young India Mediclaim Policy, ambulance cover is available up to 1% of SI, subject to max of ₹ 2,000 per year.

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?

Under the National Young India Mediclaim Policy, the air ambulance is not covered.

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 the National Young India Mediclaim Policy?

Under the National Young India Mediclaim Policy, compassionate travel is not covered.

Any kind of medical/health emergency when you are outside of India.

Coverage status under the National Young India Mediclaim Policy?

Under the National Young India Mediclaim Policy, global coverage is not covered.

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 the National Young India Mediclaim Policy?

Under the National Young India Mediclaim Policy, E-consultation is not covered.

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under the National Young India Mediclaim Policy?

Under the National Young India Mediclaim Policy, a health check-up is not available.

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 the National Young India Mediclaim Policy?

National Young India Mediclaim Policy does not cover the expenses for a second medical opinion.

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under the National Young India Mediclaim Policy?

National Young India Mediclaim Policy does not cover vaccination expenses.

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 Young India Mediclaim Policy?

Co-pay is not available under the National Young India Mediclaim Policy.

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 Young India Mediclaim Policy?

Sub-limits are not applicable.