National Insurance Mediclaim Policy
Product Overview
National Insurance Mediclaim Policy is an inpatient hospitalization policy, along with host of other benefits like - Day Care Treatments, Pre & Post Hospitalization expenses, Ayurvedic & Homeopathic Treatments, etc.
Unique Features of National Insurance Mediclaim Policy
- Non-Allopathic Treatment Like Ayurveda and Homeopathy are covered under this plan
- Family Discount: Discount of 10% will be allowed on the total premium if policy is bought for family comprising the insured and/or spouse, dependent children, dependent parents
- There is No Co-payment clause under this plan
- Some Organ Specific Treatments are Covered after a waiting period of 1 year like ENT disorder, etc. under this plan
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OneInsure App Benefits
Critical features of National Insurance Mediclaim Policy
Room rent:
Limits imposed towards room and ICU rent expenses
- Room Rent - 1% of the Sum Insured.
- ICU - 2% of the Sum Insured.
- Overall limit of 25% of the sum insured
No Claim Bonus:
Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
5% of basic the sum insured up for each claim free period, subject to a maximum of 10 Claim Free Policy Period (The cumulative bonus is reduced by 5% of sum insured once a claim is made)
Co-Pay:
Specific % of admissible claim amount to be borne by Insured
- This plan does not has co payment clause
- Up to 50% of sum assured for anaesthesia, blood, oxygen, OT charges, surgical equipment, medicines, drugs etc
- Expenses for Ayurveda and Homeopathy treatment are admissible upto 20% of the sum insured for any one illness
Pre-Existing Diseases:
Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
This plan has a waiting period of 4 years is case of pre-existing diseases
Eligibility Criteria
- Minimum Age of Entry:- Children- 3 months and 18 years/Adult-18 years
- Maximum age of Entry:- 65 Years
- Sum Insured:- 50 Thousand to 5 Lacs in multiples of 25,000
- Policy Tenure:- 1 Year
- Premium Calculated on Basis of:- Age (i.e. sum Insured Chosen)
Additional discounts
Exclusions
- Vaccination and Inoculation of any kind unless it is post-animal bite
- General debility and Run down conditions
- Circumcision, Cosmetic surgery, Plastic surgery.
- HIV/AIDS
- Psychiatric and psychosomatic disorders
- Injury arising out of drug/alcohol abuse
- War, act of foreign enemy, ionizing radiation and nuclear weapon.
- Naturopathy
- Experimental or unproven treatment
- All external equipments.
- Dental treatments
- Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations
- enses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations
Note:- Any claims arising out of or attributable to any of the following is not covered
Tax Benefits
When you pay the premium for your health insurance policy, you are liable to get a tax rebate under section 80D of the Income Tax Act, 1961.
Claim Process
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
