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National National Mediclaim Plus Health Insurance

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National Health Insurance
National Mediclaim Plus
Claim SettlementDedicated Team
Claim Settlement Ratio83.78%
Network Hospitals6,000+
Starting Premium for 5 lac SIRs.586/month
Starting Premium for Rs. 5 lakhs SIRs. 586/month

About National National Mediclaim Plus Health Insurance

National Mediclaim Plus Policy is a reliable and affordable medical insurance policy that covers you and your family for a wide range of sum insured options. These sum insured options range between Rs. 2 Lakh and Rs. 50 Lakh from which you can select as per your requirement and also enhance if required, at the time of renewal. The policy can be issued to individuals aged between 18 years and 65 years that can be self, legally wedded spouse, dependent legitimate or legally adopted children. A dependent male child aged between 18 years and 25 years can be covered if he is bonafide and not employed. Whereas a female dependent child will be covered till marriage if she is not married.

If insured under this policy, you can avail of many coverage benefits including in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare procedures, Ayurveda and homoeopathy, organ donor expenses, hospital cash, ambulance expenses, air ambulance expenses, vaccination for children, mental illness cover, HIV/AIDS cover, modern treatment and second medical opinion. Apart from the coverage benefits, you can avail of several other advantages as well, some of which are tax benefits on the premium paid, under Section 80D of the Income Tax Act, good health incentives like a cumulative bonus, health check-up, options for hospitalisations, and lifetime renewability benefits. also, it is an annual policy and hence needs to be renewed after that in order to continue availing coverage benefits.

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation expenses
  • Pre-hospitalisation and post-hospitalisation expenses for up to a specific limit
  • 12 modern treatments like robotic surgery
  • Cataract surgery cover with defined limits
  • Allopathy, Ayurveda, and Homeopathy, up to 100% of sum insured
  • Hospital cash benefits up to a specific limit is covered under this plan

What's Not Included

  • Treatment necessitated due to self-inflicted injury
  • Expenses arising due to the insured committing any breach of law with criminal intent
  • Drugs that are not prescribed by the doctor
  • Home visit expenses
  • Change of gender treatments, cosmetic or plastic surgery, etc
  • Admission primarily for investigation or evaluation purpose

National Mediclaim Plus User Reviews

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What users are saying
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  • Policy benefits are optimised on InsuranceDekho. It is evident from the website that user-requirement is prior...

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    By Siddharth Chauhan
    On: Mar 05, 2021
  • The website of InsuranceDekho has an uninterrupted digital presence which has made reaching out to the team re...

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    By Bimal Duggar
    On: Mar 04, 2021
  • The policies on InsuranceDekho are the best in terms of benefits, yet they are budget-friendly. I never knew I...

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    By Nidhi Sharma
    On: Feb 04, 2021
  • I chose InsuranceDekho to renew my National insurance’s National Mediclaim Plus. The renewal was streamlined. ...

    Read More
    By Kavita Rathore
    On: Jan 27, 2021
  • It has been a year since I issued National insurance's National Mediclaim Plus plan through InsuranceDekho. Si...

    Read More
    By Sohini Banerjee
    On: Jan 25, 2021

Add-ons to Enhance Benefits

  • Critical Illness

    With this add-on, you can avail coverage benefits in case of diagnosis of any critical illness as listed in the policy document. Kindly note that coverage will only be offered if you are first diagnosed as suffering from critical illness during the policy term and if you survive for a minimum of 30 days after the diagnosis. Also, the critical illness should be supported by clinical, radiological, laboratory, and historical evidence, that is acceptable to the insurance company. You can buy this add-on voluntarily by paying an extra premium at the time of policy purchase. 

  • Outpatient Treatment

    This add-on covers you for expenses arising due to outpatient consultations by a medical practitioner, diagnostic tests prescribed by a medical practitioner, medicines or drugs prescribed by a medical practitioner, as well as out-patient dental treatment. You can buy this add-on by paying an extra premium at the time of policy purchase.

National Mediclaim Plus Expert Review

  • Expert Review

    National Mediclaim Plus by National Insurance is comprehensive health insurance, designed to protect you from getting your savings drained out due to medical expenses. Formulated to cover more than traditional health plans, the policy covers the medical costs of Allopathic, Ayurvedic and Homeopathic treatment. Some of the key benefits include maternity and newborn baby cover; vaccination for children; hospital cash; daycare procedures, ambulance service cover, etc. Moreover, the coverage under the individual sum insured option is available for self, spouse, 2 dependent or legally adopted children and dependent parents.

    Moreover, the National Medical Plus policy has three variants: Plan A, Plan B, and Plan C. With these variants, you are able to buy the policy with different coverage features and sum insured options. The National Insurance has made this policy in different variants because it wants every customer to have a good health insurance policy. 

  • Major Attractions

    All the variants of the National Mediclaim Plus policy can let you get the second medical opinion from World Leading Medical Centers in case of serious illness. Besides, it gets you add-on covers for 8 specified Critical illnesses and Outpatient consultations by a medical practitioner, medicines prescribed by him/her, diagnostic tests, and outpatient dental treatment. Some key elements include:

    • 5% Cumulative Bonus for each claim-free year. A maximum of 50%
    • Reimbursement of medical check-up once at the end of a block of every 3 claim-free years
    • 10% discount if the policy is issued for the family
    • 10% discount if the policy is bought  for people aged between 18 to 25 years
    • 5% discount if you buy the policy online
    • An option to select the same SI for each family member or separate SI for different members
    • Enhancement of Sum insured to the next slab at the time of renewal
    • Cashless facility available at all Network Hospitals across the country
  • What’s More?

    Not only this, the National Mediclaim Plus policy has many more benefits to offer. It comes with a wide range of sum insured options, ranging from Rs. 2 Lakh to Rs. 50 Lakh. A lump sum amount is payable in case of critical illness without reducing the basic sum insured. Also, the basic covers provided by other health insurance policies are covered under the policy.

    • Lifelong renewability
    • Tax Rebate under Section 80D of Income Tax Act 1961
    • Portability option for similar health plans as per IRDAI
    • Professional third party service for claim settlement
    • 15 days free look period to cancel the policy
  • Conclusion

    With the benefits and features under, the National Mediclaim Plus policy is a complete healthcare package for individuals with different variants to choose from. The insurer has crafted this policy to stop policyholders from losing their money due to hospitalisation, maternity, critical illness and even OPD treatment. This policy covers everything under a single sum insured. The best part is that though it’s an individual-based policy, one can choose this policy to cover their family as well.

    To buy a National Health Insurance plan, you can browse this page of InsuranceDekho and fill up the form available at the top right with the required details. Buying health insurance online gives you the flexibility to compare several policies based on cover and benefits, and choose one that comes with maximum coverage and minimum premiums. 

National National Mediclaim Plus Brochure

  • 300.84 KB
  • PDF Document
  • Jul 08, 2019

Claim Process at National Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 72 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on National Mediclaim Plus Health Insurance Plan

  • What are the sum insured options offered in this plan?

    This plan can be purchased for sum insured options of Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 6 Lakh, Rs. 7 Lakh, Rs. 8 Lakh, Rs. 9 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, Rs. 25 Lakh, Rs. 30 Lakh, Rs. 40 Lakh, and Rs. 50 Lakh. 

  • What is the entry age of members under this policy?

    The entry age of members under this policy is 18 years to 65 years. 

  • Can children be included under this policy?

    Yes. Children can be included in this policy if they are aged between 3 months to 18 years. 

  • Under what conditions will the company pay for critical illnesses?

    If you purchase an add-on cover for critical illness, the company shall pay the benefit amount for 8 such illnesses, provided-The insured person is first diagnosed with the illness during the policy period, and he/she survives for minimum 30 days after the diagnosis, and the diagnosis of critical illness is supported by relevant documents accepted by the company.

  • Are critical illnesses covered under this plan?

    The policyholders can purchase an additional cover for critical illness by paying a little extra premium. 

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