National Health Insurance

• National Mediclaim Plus Policy (Individual Plan)

  National Mediclaim Plus Policy is an individual health plan that offers extensive insurance coverage for in-patient treatment expenses, where  the sum insured ranges from Rs 2 lakhs to Rs 50 lakhs. The policy comes with three plan options i.e. Plan A, B and C with different SI slabs for each. One of the plan attractions is an annual increase of SI up to 5% for every claim-free year.

  Eligibility Criteria:

  The minimum eligibility criterion for availing this policy is:

  Minimum Entry Age	18 years
  Maximum Entry Age	65 years
  Who can be covered	Self, spouse, children, parents and dependent siblings up to the age 25 years

  Features:

  The salient features of National Mediclaim Plus Policy include:

  • The policy comes with high sum insured option up to Rs 50 lakhs
  • Discounts for buying this policy online up to 10% for family and youth in c
  • Air ambulance, maternity cover, medical emergency reunion, hospital cash benefit, vaccinations for children
  • Optional cover Critical Illness Benefit up to a sum insured of Rs 25 lakhs
  • Annual increase in policy sum insured up to a maximum of 50% of the SI for every claim-free year

  Benefits:

  • The benefits of this policy are mentioned below:
  • Pre and Post Hospitalization expenses up to 30 days and 60 days respectively 
  • Ayurveda/ Homoeopathy treatments are also payable under this plan to the extent of the full sum insured under all plans
  • Organ Donor hospitalization expenses
  • Pre-existing disease is covered after 36 months under all plans
  • Room/ ICU Charges: 
    • Plan A- 1% of Sum Insured
    • Plan B- Rs 15000 
    • Plan C Rs 20000
  • Cataract Surgery is covered up to a limit as per mentioned in the policy brochure
  • 140-daycare procedures are also covered under this plan
  • Coverage is provided for maternity, new-born baby care, and vaccinations
  • Hospital cash per day limit is Rs 500 for Plan A, Rs 800 for Plan B and Rs 1000 for Plan C
  • The coverage limit for Ambulance expenses for Plan A is Rs 2500, Plan B is Rs 4000 and for Plan C is Rs 5000
  • Air Ambulance expenses for Plan A are not covered, Plan B and Plan C offer coverage up to 5% of the Sum Insured
  • Medical emergency reunion expenses cover under Plan B and Plan C is up to Rs 20,000
  • The policy also covers post-hospitalization expenses for doctor’s home visit and nursing care during post hospitalisation
  • In addition to the Sum Insured, Critical Illness Benefit is offered and the sum insured ranging from Rs 2 lakhs, Rs 3 lakhs, Rs 5 lakhs, Rs 10 lakhs, Rs 15 lakhs, Rs 20 lakhs to Rs 25 lakhs
  • Good health incentive check-up benefit after four claim-free years
  • Tax-rebate under Section 80D of the Income Tax Act

• National Mediclaim Individual Policy

  National Mediclaim Individual is a health insurance policy that offers extensive insurance coverage for in-patient treatment expenses, where the sum insured ranges from Rs 50,000 to Rs 5 lakhs. It is an individual policy where the policyholder can include its spouse, children, parents, parents-in-law, dependent brother and sister.

  Eligibility Criteria:

  Minimum Entry Age	18 years
  Maximum Entry Age	65
  Who can be covered?	Self, spouse, children, parents and dependent siblings up to the age 25 years

  Features:

  Some of the features of this plan are mentioned below:

  • The policy comes with high sum insured available up to Rs 5 lakhs
  • Free health check-up facility is offered once a year after completion of four claim-free year
  • 10% discount for purchasing the policy for your family
  • Tax-rebate under Section 80D of the Income Tax Act
  • Pre policy health check-up is required for applicants after the age of 50 years 
  • Annual increase in policy sum insured up to a maximum of 50% of the SI for every claim-free year
  • The policy can be renewed for a lifetime

  Benefits of National Mediclaim Individual Policy

  Some of the alluring benefits of National Mediclaim individual policy are:

  • Allopathy treatment expense up to 100% of SI, Ayurveda and Homeopathy expense cover up to 20% of the total sum insured
  • In-patient expenses cover including room rent/ICU charges, Medical practitioners’ expenses, anaesthetist, surgeon, consultants, specialist’s consultation fees up to a certain limit of the sum insured
  • The policy covers Ambulance charges 
  • Organ Donor’s expenses covered up to specific SI
  • Pre-hospitalisation expenses are covered for 30 days
  • Post hospitalisation expense are covered for 60 days from the date of discharge
  • Cashless facility is available at any of the network hospitals of National Insurance only through TPA
  • Pre-negotiated package rates for specific surgeries or medical procedure in-network hospitals
  • The insured can enjoy the benefits of lifelong renewability
  • The insurer allows policy portability from/to similar product

• National Senior Citizen Mediclaim Policy

  National Senior Citizen Mediclaim Policy is an indemnity health insurance plan for aged people above the age of 60 years. The coverage can be availed for self or self and spouse both. Check out what the plan has to offer in detail below:

  Eligibility Criteria:

  Entry Age	60-80 years
  Sum Insured	Rs. 1 lakh to Rs. 10 lakhs
  Coverage Type	Individual/Floater

  Features:

  • The policyholder can cover spouse within the age group of 50 to 80 years in the same plan
  • Discounts on the online purchase without any intermediary
  • Pre-medical screening is required
  • NCB ranging from 5% to 50% for claim-free years
  • Pre-existing diseases are covered after a waiting period of 2 years
  • The plan is renewable for lifetime

  Benefits:

  • HIV treatment & Mental illness hospitalization covered
  • Pre-existing diseases are covered after a waiting period of 2 years
  • The policyholder can also avail optional cover for expenses incurred on Critical illnesses, OPD, Personal accident, Hypertension and pre-existing medical conditions
  • Allopathy, Ayurveda, and Homeopathy expenses are also covered
  • This unique plan also offers coverage for mental illnesses and HIV treatment expenses

• National Super Top-up Mediclaim Policy

  Eligibility Criteria:

  Entry Age	18 to 65 years
  Sum Insured	Rs. 3 lakhs to 10 lakhs (as per the threshold)
  Coverage Type	Individual/Floater Basis

  Features:

  • It can be purchased with a base policy and without a base policy
  • Cashless hospitalization cover is provided
  • Lifetime policy renewal option is provided
  • No sub-limits are applicable on room rent charges
  • Pre-medical screening is required for applicants above the age of 50-years

  Benefits:

  • The policy also offers coverage for commonly excluded diseases such as HIV/AIDS, Obesity- bariatric surgery etc.
  • Organ donor expenses are also reimbursed
  • In-patient medical expenses, ICU, surgeon fees etc. are a paid by the insurer
  • Coverage is provided to self, spouse, parents, in-laws, and new-born baby
  • Pre-existing diseases can be covered after a waiting period of 1-year only

• Vidyarthi Mediclaim Policy for Students

  Vidyarthi Mediclaim plan is a health insurance policy for Students. It offers medical insurance cover as well as Personal accident cover to the insured students. The policy is worth buying as it also offers education cover to the insured student in the event of permanent total disability and accidental death of the guardian. The policy details are given below:

  Eligibility Criteria:

  Entry Age	3-35 years for students and one legal guardian
  Sum Insured	RS. 50,000 to Rs. 2 lakhs
  Coverage Type

  Features:

  • Pre-policy medical check-up is required
  • Student from any Registered Educational Institution that is affiliated to a Govt. Statutory Authority, State Board, or AICTE within India can buy this policy
  • Educational Institutions can also buy this as Group Policy

  Benefits:

  • Hospitalization expenses for students are covered up to SI
  • Personal Accident Cover for parents and insured students is also offered
  • The insurer compensates for doctors and surgeon fees, ICU charges, room rent charges, and the likewise
  • Cumulative Bonus of 5% is offered
  • Accidental death and bodily injuries are also covered

• National Parivar Mediclaim Policy for Family

  National Parivar Mediclaim is a health insurance policy that covers all the covers all family members under a single health plan. The coverage is provided for In-patient treatment expenses that require more than 24-hours of hospitalization. The policy offerings are mentioned below:

  Eligibility Criteria:

  Entry Age	18-65 years
  Sum Insured	Rs 2 lakhs and Rs 5 lakhs
  Coverage Type	Family Floater

  Features:

  • Self, spouse, and two children can be covered under the same plan
  • Pre-policy medical check-up is not mandatory
  • Lifetime policy renewal option is provided
  • Cashless medical treatment at network hospitals

  Benefits:

  • Pre and post hospitalization expenses are covered for 15 days and 30 days respectively
  • 140 day-care procedures are covered too
  • Add-on cover for hypertension and pre-existing diabetes is also offered on payment of an additional premium
  • In-patient medical expenses, ICU, surgeon fees etc. are a paid by the insurer

• National Parivar Mediclaim Policy

  National Parivar Mediclaim is a health insurance policy that covers self, spouse, children, and parents under a single plan. If the insurance cover has been acquired by one person, it can as well be used to cover the whole family. This cover, provided by the National Health Insurance has the following features and benefits:

  Eligibility Criteria:

  Entry Age	18 -60 years
  Sum Insured	Rs. 1 lakh to Rs. 10 lakhs
  Coverage Type	Family Floater

  Features:

  • The premium subscribers are offered a discount of 5% annually
  • The insurer offers health incentive check-up benefit

  Benefits:

  • The National Health Insurance scheme covers the expenses of people wishing to donate their organs
  • In case of any complication when donating organs; the insurance cover pays for all the expenses
  • Expense incurred on the anti-rabies vaccine for children are covered up to the limit of Rs. 5000
  • Besides, day care treatments are also covered
  • It also offers a cover for ambulance expenses for around Rs 1000 for every illness.
  • Maternity expenses including the new-born baby are also recompensed up to a specified limit

• National Parivar Mediclaim Plus Policy

  National Parivar Mediclaim policy is a high sum insured health insurance policy. It has a unique feature, this is because not only does it cover the family members, but it covers the in-laws also.

  Eligibility Criteria:

  Entry Age	18-65 years
  Sum Insured	Rs. 2 lakhs to Rs. 50 lakhs
  Coverage Type	Individual/Family Floater

  Features:

  • It offers Allopathy, Ayurveda, and Homeopathy Cover
  • It has a minimum coverage of 1 year and a maximum of 3 years
  • The policy is renewable for lifetime
  • Children can also be covered in the same plan
  • Option to avail air ambulance facility

  Benefits:

  • ICU patients with this plan are charged 2% lower of the summed cost than those without this kind of plan
  • It also covers the pre and post-natal charges and when the new-born arrives, they get free vaccination
  • Children over 12 years of age are also vaccinated under this plan
  • Airlifted patients who are in plan A are not covered by this national insurance Mediclaim plus policy
  • However, those who fall in plan B and C are covered and therefore they get these services at a reduced cost by 5%
  • In addition to this, patients undergoing catalyst surgery in plan A, plan B and plan C get a 15% discount, therefore they don’t have to worry about their payments because they get to pay almost half of their hospital bills
  • Another feature is for those in plan A, their medical reunion expense in this plan are not covered
  • Optional critical illness cover, maternity and the new-born baby cover is also provided

• National Critical Illness Policy

  National Critical Illness is a health insurance policy that covers expenses incurred on the treatment of life-threatening conditions. The plan comes in two variants and its features and benefits are listed below:

  Eligibility Criteria:

  Entry Age	20-65 years
  Sum Insured	Rs. 1 lakh- Rs. 75 lakhs
  Coverage Type	Individual/Family Floater

  Features:

  • The policy is renewable until 65 years of age
  • Pre-medical screening is required only for applicants above the of 45 years

  Benefits:

  • This policy offers coverage to self, spouse, parents, and dependent children
  • 11 critical illnesses are covered under Plan A
  • 37 critical illnesses are covered under Plan B
  • Pre-existing diseases can be covered on paying an additional premium
  • Lumpsum payment is made upon diagnosis of the listed critical illnesses

• National Varishtha Mediclaim Policy for Senior Citizens

  National Varishtha Mediclaim is a health insurance policy for senior citizens up to the age of 80 years. First-time applicants need to undergo medical screening to get insured under this scheme. Check out the policy features and benefits in detail below:

  Eligibility Criteria:

  Entry Age	60-80 years
  Sum Insured	Rs. 1 lakh for domiciliary hospitalization Rs. 2 lakhs for Critical Illness Optional Cover
  Coverage Type

  Features:

  • A specific plan for elderly people
  • It also offers critical illness add-on cover
  • The policy is renewable for lifetime
  • No-claim Bonus offered ranging from 5% to 50% of the sum insured
  • Tax rebate is provided to the policyholder under section 80D

  Benefits:

  • Hospitalisation expenses and Domiciliary Hospitalisation expenses are covered up to Rs. 1 lakh
  • This health scheme also pays for fees charged by a medical practitioner, room rents, ICU charges, surgeon fees, specialist fees up to a specified limit
  • The coverage limit for cataract surgery is up to Rs10, 000 and Rs 20,000 for Benign Prostatic Hyperplasia (BHP)
  • Domiciliary Hospitalisation expenses are covered up to 20% of the sum insured
  • The policy covers up to 8 specific critical illnesses and the sum insured limit is up to Rs 2 lakhs
  • Health Check-up facility up to 2% of SI after completion of 3-years of the policy term

• Overseas Mediclaim Business and Holiday

  National Overseas Mediclaim Business and Holiday is a packaged insurance policy for people who travel abroad. The policy covers the medical emergencies while travelling abroad. The policy can be availed in three categories namely: Business & Holiday, Employee & Study and Corporate Frequent Flyer.

  Eligibility Criteria:

  The policy can be purchased by the following individuals:

  For Indians	Citizens of India, Nepal or Bhutan going abroad for holiday or business purpose
  For Foreign Nationals	Foreign Nationals working in India for Indian employers of multi-national organizations getting salary in Indian Rupees

  Features of this Plan

  • Some of the features of Overseas Mediclaim policy are:
  • This unique plan covers the various risks associated while travelling to a foreign country including medical emergencies
  • International Service Provider is available for claim support
  • Other than the case of Employment, the premiums can be paid in Indian Rupees
  • Service Providers to make payments in foreign currency to the Doctors, and Hospitals abroad
  • Insured can claim reimbursement where cashless service is not available
  • Delay in Checked-in Baggage cover only for outbound I-international flight and the delay should be for over 12 hrs
  • Travellers above the age of 70 years where the travelling duration is above 60 days will have to submit certain medical reports such as ECG and Fasting Blood Sugar or Urine Stripe Test

  Benefits of Overseas Mediclaim Policy

  • Available in 5 plan sections, the benefits to be availed under this plan include the following:
  • Medical expenses & repatriation under Section A
  • Personal accident cover under Section B
  • Delay of checked-in baggage under Section C
  • Loss of checked-in baggage under Section D
  • Loss of passport under Section E
  • Personal liability cover under Section F

• Overseas Mediclaim Employment and Studies

  This policy comes in handy in covering travel-related emergencies while abroad. Available in three categories namely: Business & Holiday, Employee & Study and Corporate Frequent Flyer, the maximum sum insured offered under this policy for covering illnesses is USD 5,00,000.

  Eligibility Criteria:

  The policy can be purchased by the following individuals:

  For Indians	Citizens of India, Nepal or Bhutan going abroad for holiday or business purpose
  For Foreign Nationals	Foreign Nationals working in India for Indian employers of multi-national organizations getting salary in Indian Rupees

  Features:

  • The key features of this plan are as follows:
  • This unique plan covers the risks of travelling abroad such as medical emergency
  • International Service Provider is available for claim support
  • Other than the case of Employment, the premiums can be paid in Indian Rupees
  • Service providers to make payments in foreign currency to doctors, hospitals abroad
  • Insured can claim reimbursement where cashless service is not available
  • Travellers above the age of 70 years where the travelling duration is above 60 days will have to submit certain medical reports such as ECG and Fasting Blood Sugar or Urine Stripe Test

  Benefits:

  The list of benefits under this plan are mentioned below:

  Under Plan C and Plan D-Employment & Studies

  • Section 1 A: Illness cover ranging from 150000 USD (Plan C), 1,50,000 (Plan D) and 500000 USD (Plan D1)
  • Section 1B: Medical evacuation expenses 10000 USD for three variants C, D and D1  
  • Section 1C: Repatriation cover of 10000 USD for three variants C, D and D1  
  • Section 1D: Medical Emergency cover of 5000 USD for three variants C, D and D1  
  • Section II: Contingency Insurance cover of USD 750 for each month of study completed under three plan variants

  Plan D1: Loss of checked-in baggage for USD 1000

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.