National Health Insurance for Individual

National Mediclaim Plus Policy by National Insurance Company is an individual-based health policy. Available in three variants, viz-Plan A, Plan B, and Plan C with different sum insured options, the policy provides sizeable benefits to the insured. It also extends cover for family members, including spouse, parents and dependent or legally adopted children. The policy covers the costs of room, nursing charges, ICU, anaesthesia, medical practitioner fees, blood, OT charges, oxygen, surgical utensils, drugs, etc.

Key Features

• Sum Insured in Plan A from Rs. 2 Lakh to Rs. 10 Lakh in multiples of Rs. 1 Lakh
• Sum Insured in Plan B Rs. 15 Lakh, Rs. 20 Lakh to Rs. 25 Lakh
• Sum Insured in Plan C Rs. 30 Lakh, Rs. 40 Lakh, Rs. 50 Lakh
• Maximum of 50% increase in sum insured for each claim-free year
• 10% discount for family, youth and purchasing the policy online
• Add-on/optional coverage for 8 specific critical illnesses mentioned in the policy wording
• Lifetime renewal and health check-up every 2 years, irrespective of claims

Scope of Coverage

• Cover for maternity benefits up to different limits in Plan A, Plan B and Plan C
• Cover for AYUSH treatment up to the sum insured
• Pre & post-hospitalisation up to 30 days and 60 days respectively
• Cover available for self, spouse, parents and dependent or adopted children
• Cover for over 140 daycare procedures under the policy
• Road & air ambulance and organ donor’s expenses up to sub-limits
• Maternity, newborn and vaccination cover for children

Eligibility

The National Mediclaim Plus Policy is available for individuals aged between 5 years and 75 years. Children between 3 months and 5 years are covered with one or both parents under the policy.

Exclusions

• Expenses for the treatment of genetic disorders
• Cataract, Hernia, Hydrocele, Anus, Piles, etc. during the first two years of the policy
• Diagnostic, laboratory examinations not related to any treatment in hospital
• Aesthetic or cosmetic treatment or procedure, dental treatment or any sort of corrective surgery
• Contact lenses, spectacles, hearing aid, cochlear implants and so on

Have any doubt about the policy? Feel free to contact InsuranceDekho at 1800-120-5698. Our experts will help you clear all the doubts about the National Mediclaim Plus Policy for Individuals.