National Mediclaim Plus Policy is a health insurance policy offered by renowned state-owned insurance service provider National Insurance. The policy comes with a range of features to provide affordable insurance service for people in India. It has a range of flexible sum insured options to provide coverage according to one’s requirement and affordability. While the primary cover takes care of the hospitalisation expenses incurred by a patient, the add-on policies provide coverage for critical illness and outpatient treatment expenses.
People who subscribe for National Mediclaim Plus Policy must qualify the following criteria in order to avail successful coverage.
National Mediclaim Plus Policy comes with a range of features to provide benefits for policyholders. Some of the key features of the policy can be listed as follows.
This policy offers a range of benefits for policy holders. Some of the major benefits offered by this policy can be provided in the following table.
|Expenses||Plan A (Rs.2 lakh to Rs.10 lakh)||Plan B (Rs.15 lakh, Rs.20 lakh, and Rs.25 lakh)||Plan C (Rs.30 lakh, Rs.40 lakh, and Rs.50 lakh)|
|ICU and room rent||Room rent - up to 1% of the sum insured ICU - up to 2% of the sum insured subject to a maximum of Rs.15,000||Up to Rs.15,000||Up to Rs.20,000|
|Maternity Expenses||Up to Rs.30,000 for normal delivery and Rs.50,000 for caesarean||Up to Rs.60,000 for normal delivery and Rs.75,000 for caesarean||Up to Rs.80,000 for normal delivery and Rs.1 lakh for caesarean|
|Cataract surgery||Up to Rs.60,000||Up to Rs.80,000||Up to Rs.1 lakh|
|Daily cash allowance||Rs.500 per day||Rs.800 per day||Rs.1,000 per day|
|Ambulance charges||Up to Rs.2,500||Up to Rs.4,000||Up to Rs.5,000|
|Air ambulance charges||Not available||Up to 5% of the sum insured||Up to 5% of the sum insured|
|Medical emergency reunion||Not available||Up to Rs.20,000||Up to Rs.20,000|
|Doctor’s home visit during post-hospitalisation treatment (max. 10 days)||Not available||Rs.750 per day||Rs.1,000 per day|
|Vaccination for children||Up to Rs.1,000|
|Cumulative bonus (No claim bonus)||5% of sum insured per year subject to a maximum of 50% of sum insured|
|Health checkup allowance (every two years)||Rs.1,000||Rs.2,000||Rs.3,000|
A copayment of 20% is applicable if treatment is taken in a non-network hospital.
This policy comes with a range of add-on covers that can be taken to increase the protection offered. It is necessary to pay some additional premium charges in order to subscribe to these add on covers.
This policy comes with a range of exclusions for which coverage will not be provided to policyholders. Some of the key exclusions under National Mediclaim Plus Policy are as follows.