Overview
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.
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.
Features
To explore complete details about coverage, exclusions, and waiting periods, refer to the National Young India Mediclaim Policy Prospectus available on the official National Insurance website. You can also visit PolicyX.com and talk to our experts.
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
National Young India Mediclaim Policy Premium Table
We have calculated premiums for the National Young India Mediclaim Policy for 30-year-old individuals across different zones.
Zone 1
| Sum Insured (In Rs.) |
3 L |
5 L |
10 L |
| Premiums Paid (In Rs.) |
8,103 |
9,830 |
13,337 |
Zone 2
| Sum Insured (In Rs.) |
3 L |
5 L |
10 L |
| Premiums Paid (In Rs.) |
7,453 |
9,198 |
12,485 |
Zone 3
| Sum Insured (In Rs.) |
3 L |
5 L |
10 L |
| Premiums Paid (In Rs.) |
6,154 |
7,891 |
10,711 |
ChatGPT
Claude
Perplexity
