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Home » Blog » General Insurance » National Insurance Mediclaim Plus Policy

National Insurance Mediclaim Plus Policy

April 1, 2016 By policydunia

4.1/5 - (8 votes)

National Insurance Mediclaim Plus Image

Policy Highlights

  • 1 National Insurance Mediclaim Plus Policy Introduction
  • 2 National Insurance Mediclaim Plus Policy Eligibility Conditions
  • 3 National Insurance Mediclaim Plus Policy Review and Features
  • 4 National Insurance Mediclaim Plus Policy Inclusions
  • 5 National Insurance Mediclaim Plus Policy Exclusions
  • 6 National Insurance Mediclaim Plus Customer Care
  • 7 Assistance:
  • 8 National Insurance Mediclaim Plus Proposal Form
  • 9 National Insurance Mediclaim Plus Claim Form
  • 10 National Insurance Mediclaim Plus Premium Calculator
  • 11 National Insurance Mediclaim Plus Policy Premium Rates
  • 12 National Insurance Mediclaim Plus FAQ’s
  • 13 National Insurance Mediclaim Plus Forms and Documents

National Insurance Mediclaim Plus Policy Introduction

National Insurance Mediclaim Plus Policy is a Health Insurance Policy which covers expenses for Inpatient treatment and expenses incurred for the treatment of illness or disease or injury during the policy term. National Insurance Mediclaim Plus Policy covers pre-hospitalization expenses, post-hospitalization expenses, more than 140 Day Care Procedures, Ambulance Charges, Homeopathy treatment, Ayurveda treatment, Maternity, etc.,. Optional covers for Critical Illness and Out-patient Treatment are also provided by National Insurance Mediclaim Plus Health Policy.

National Insurance Mediclaim Plus Policy Eligibility Conditions

Entry age of proposer/members:
  • Minimum: 18 years
  • Maximum: 65 years
Entry age of Children:
  • Minimum: 3 months
  • Maximum: 18 years
Members Covered:
  • Self, spouse, dependent children and dependent parents.
Renewal till age:
  • Lifelong
Grace Period:
  • 30 days to renew the policy
Sum Assured:
  • Plan A: (In multiple of 1 lakh)
    • Minimum: 2 lakhs
    • Maximum: 10 lakhs
  • Plan B: 15 lakhs, 20 lakhs, 25 lakhs.
  • Plan C: 30 lakhs, 40 lakhs, 50 lakhs.
Pre-policy Checkup:
  • Required for,
    • 40 years and above
    • Sum Insured 6 lakhs and above (irrespective of age)
    • Critical Illness optional cover (between age of 18 and 65 years)

National Insurance Mediclaim Plus Policy Review and Features

  • Cumulative Bonus: Increase in Sum Insured by 5% per policy year up to 50% of Sum Insured.
  • Family discount of 10% for the premium is available.
  • Youth discount of 10% is allowed for age group between 18 to 25 years.
  • Online discount of 5% is available if policy is bought online from http://niconline.in/.
  • Sum insured can be enhanced at the time of policy renewal.
  • Avail Tax Benefit under Section 80D of Income Tax Act 1961 for the premiums paid. For more information regarding Income Tax Benefits, visit www.taxqueries.in.
  • No tax benefit for critical illness cover.
  • Free Look Period is available for a period of 15 days from the date of receipt of policy.
  • Portability facility is available to switch to National Mediclaim Plus Policy, on renewal, without losing any accrued benefits.

National Insurance Mediclaim Plus Policy Inclusions

  • In-patient treatment
  • More than 140 day care procedures.
  • Ayurveda and Homeopathy Treatments
  • Expenses incurred for person donating an organ.
  • Costs insured in a daily hospital cash allowance.
  • Pre-hospitalization expenses – up to 30 days prior to the hospitalization.
  • Post-hospitalization expenses – 60 days after discharge from the hospital.
  • Medical expense for delivery, lawful medical termination of pregnancy etc.
  • Ambulance, Air ambulance, Medical emergency reunion, Vaccination for children etc.
  • It provides Optional covers for Critical Illness and Out-patient Treatment
  • Complete information about National Insurance Mediclaim Plus policy coverages are shown in below table.

National Insurance Mediclaim Plus benefits table

National Insurance Mediclaim Plus Policy Exclusions

Exclusions under National Insurance Mediclaim Plus Policy are,

  • For first 30 days of commencement of the policy, no claim is payable other than accidental injuries.
  • Pre-existing diseases – covered after a waiting period of 3 policy years subject to continuous renewal.
  • 1 (One) year waiting period for,
    • Benign ENT disorders
    • Tonsillectomy/Adenoidectomy/Mastoidectomy/Tympanoplasty
  • 2 (Two) years waiting period for,
    • Cataract
    • Pilonidal sinus
    • Benign prostatic hypertrophy
    • Gout and Rheumatism
    • Hernia
    • Hypertension & related complications
    • Hydrocele
    • Diabetes & related problems
    • Congenital internal disease
    • Calculus diseases
    • Fissure or Fistula in anus
    • Surgery of gall bladder & bile duct excluding malignancy
    • Piles (Haemorrhoids)
    • Surgery of genito-urinary system excluding malignancy
    • Sinusitis & related disorders
    • Surgery for prolapsed intervertebral disc unless resulting from accident
    • Polycystic ovarian disease
    • Surgery of varicose vein
    • Non-infective arthritis
    • Hysterectomy
  • 4 (Four) years waiting period for,
    • Treatment for joint replacement except due to accident.
    • Osteoarthritis & osteoporosis.
  • Vaccination or inoculation, Spectacles, hearing aid, contact lens, Cosmetic, sex change.
  • Plastic surgery, General debility, Dental treatment, External congenital anomaly.
  • Sterility, intentional self-inflicted injury, venereal disease, abuse of Drug/alcohol.
  • HIV/AIDS, Non allopathic treatment, pregnancy, Vitamins, tonics, wars, obesity, massages, spa, etc.

For complete list of exclusions please refer National Insurance Mediclaim Plus Brochure or National Insurance Mediclaim Plus prospectus.

National Insurance Mediclaim Plus Customer Care

Assistance:

For any Information or queries or doubts regarding National Insurance Mediclaim Plus Policy, Please Visit www.nationalinsuranceindia.com or call Toll free: 1800 120 1430 or Fax : (033) 2289 6329.

You can also contact National Insurance Company through E-Mail:  nic.health@nic.co.in

You can also post or write to the following address.

Address:

Head Office
3 Middleton Street
Kolkata
West Bengal
Pin code: 700071

National Insurance Mediclaim Plus Proposal Form

To buy National Insurance Mediclaim Plus Policy you need to fill the proposal form with complete and accurate information and you have to submit to the National Insurance Office. You can also buy National Insurance Mediclaim Plus Policy through online.

Download National Insurance Mediclaim Plus Proposal Form

National Insurance Mediclaim Plus Claim Form

National Insurance Mediclaim Plus policy Claim Form is to submitted to the National Insurance company or TPA during claim settlement. It is to be filled completely and accurately.

Download National Insurance Mediclaim Plus Claim Form

National Insurance Mediclaim Plus Premium Calculator

You can calculate the premium using National Insurance Mediclaim Plus Premium calculator. Personal details, Number of members,  Policy period, Age and Sum assured and other details are required to calculate the premium.

National Insurance Mediclaim Plus Policy Premium Rates

National Mediclaim Plus Policy Premium Chart is shown below,

National Insurance Mediclaim Plus Premium table

National Insurance Mediclaim Plus FAQ’s

At what situation National Insurance Mediclaim Plus Policy will get cancelled?

  • Company may cancel your policy on grounds of misrepresentation, fraud etc. by sending you 30 days notice.
  • You (The Insured person) may cancel the policy at any time during the policy term. In such case the company shall refund of premium.

What are the reports required for Pre-policy Checkup?

  • Physical examination
  • Lipid profile
  • Blood sugar
  • ECG
  • Eye checkup
  • Urine routine & microscopic examination
  • Serum creatinine

National Insurance Mediclaim Plus Forms and Documents

National Insurance Mediclaim Plus Customer Information Sheet

National Insurance Mediclaim Plus Prospectus

Filed Under: General Insurance, National Insurance Tagged With: National Insurance mediclaim, National mediclaim plus insurance, national mediclaim plus policy details

Comments

  1. Ajaya Kumar ( DHS ID SE121048730) says

    August 3, 2015 at 11:03 am

    can you please provide the list of hospitals in north delhi which is under the policy

    Regards
    Ajaya Kumar

    Reply
  2. Bhavesh Damjibhai Bhanushali says

    October 19, 2015 at 12:49 pm

    Family plus policy with parent

    Reply
  3. MD KHURSHID ANWAR says

    October 22, 2015 at 11:37 am

    I want to know about features of National Mediclaim Plus New Policy

    Reply
  4. Arvind gupta says

    November 10, 2015 at 7:53 am

    I required mediclaim cashless policy in ranchi jh

    Reply
  5. Chetan Sharma says

    December 28, 2015 at 5:34 am

    I want National mediclaim insurance.

    2 Adult + 1 kid .

    Reply
  6. Rajesh kr yadav says

    August 17, 2016 at 6:35 pm

    provide me hospital list in Ballia district of U.P

    Reply
  7. Indrajit Das says

    August 23, 2016 at 6:58 pm

    Can I purchase a National Insurance Mediclaim Plus policy online

    Reply
  8. Mukund Kanabargi says

    September 5, 2016 at 2:49 pm

    I would like to know more details and purchase if its feasible. Please guide.

    Reply
  9. Nitin Singh says

    November 25, 2016 at 9:59 am

    Dear Sir,
    I took a NATIONAL MEDICLAIM PLUS POLICY (POLICY NO. 450101/48/15/8500000359) on dated 28-11-2015. I want
    to renew it. But first of all i want to know that if i want to take maternity claim then what is the
    procedure and when i can take the claim.

    Reply
  10. Simranjeet Singh says

    May 3, 2017 at 7:07 am

    I am trying to find a link to make mediclaim premium renewal online. I did not get any link
    policy no is UI00054182 and the premium renewal is due this week

    please send me link at simranjeet.singh@gmail.com

    this is policy for my parents

    my telephone no. is 9987080204

    also can I change the agent code — as the current agent is useless and crooked and does not help /guide

    Reply

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