National National Mediclaim Health Insurance

Apart from providing basic health cover, National Mediclaim policy provides additional benefits such as health incentives like a cumulative bonus of 5% in case no claims are reported, family discounts, health check-ups and so on.  The cover is also available for surgical appliances, medicines, drugs, diagnostic tests, pacemaker, artificial limbs, stent and implants, dialysis, chemotherapy, radiotherapy and many others. Here are some more elements you get when choosing this policy:

• Free health checkup once at the end of a block of four continuous claim-free policy period
• Ambulance expenses (per insured person in a policy year) 1% of the sum insured, subject to the maximum of Rs. 2,000
• Expenses incurred for oxygen, blood, OT charges, x-ray, etc.
• Cashless treatment at network hospitals through TPA
• Pre-determined limit cover for specific surgeries or procedures in network hospitals
• 10% discount on premiums if the policy is purchased for the family
• An annual increase in the sum insured by 5% for each claim-free year up to a maximum of 50% of SI opted
• No medical screening required for persons up to 50 years

National Mediclaim Policy by National Insurance gives a comprehensive approach to secure you and your family’s health. It reduces the financial burden during unforeseen health emergencies. No sub limit is applied in case of hospitalisation in a preferred provider network (PPN). Some other benefits under the plan are:

• The policy can be renewed lifelong
• Portability (migration) allowed for similar products
• Free look period to cancel or continue the policy is 15 days
• Third party claim settlement service to settle the claim
• Premium paid for the policy towards self, spouse, dependent children and dependent parents are eligible for tax rebate under Section 80D of Income Tax Act 1961 

There are many health insurance policies, but not all of them can be suitable. You can’t compromise with the safety of your and your family's health. The National Mediclaim policy has been designed keeping in mind customers and their needs. It makes sure you get the best possible treatment without spending your hard-earned money. It does not just offer financial support, but also makes sure you and your family remain stress-free in emergencies.

To buy this policy or get more information about it, give a call to InsuranceDekho. InsuranceDekho is committed to helping customers by giving them the opportunity to compare different policies, get free quotes, and choose a policy which is most suited to them.

Anyone who is aged above 18 years can be covered under this policy. Children aged between 3 months to 18 years can also be included if at least one of the parents is covered under the same policy. 

The maximum entry age of this policy is 65 years. 

Self, spouse, dependent children and dependent parents can be covered under this policy. 

This policy can be renewed lifelong. 

Yes. The premium paid for this policy is exempted from income tax under Section 80D of the lncome Tax Act, 1961. 

No. This policy does not provide cover for obesity. The policy also excludes coverage for pregnancy and related complications, hormone replacement, cosmetic treatment, or genetic disorders. 

Yes. Room rent expenses are covered up to 25% of the sum insured for any one illness, with the following sub-limits: 

• Room Rent- up to 1% of SI, subject to a maximum of Rs. 10,000 per day 
• ICU charges- up to 2% of SI subject to a maximum of Rs. 20,000 per day

Yes. This policy provides cover for over 140 daycare procedures to the policyholders.

Yes. There is a waiting period of continuous coverage for pre-existing diseases under this policy.