Can I increase my sum insured under this policy?

Yes. You can increase the basic sum insured under your policy at the time of renewal. For the enhanced sum insured, the waiting periods will be applied. You will be able to avail of coverage benefits with enhanced sum insured after the completion of waiting periods.

What is the minimum entry age for this policy?

Anyone who is aged above 18 years can be covered under this policy. Children aged between 3 months to 18 years can also be included if at least one of the parents is covered under the same policy.

What is the maximum entry age for this policy?

The maximum entry age of this policy is 65 years.

Who all can be covered under this policy?

Self, spouse, dependent children and dependent parents can be covered under this policy.

What is the age limit for policy renewal?

This policy can be renewed lifelong.

Do I get any tax benefit on purchase of this policy?

Yes. The premium paid for this policy is exempted from income tax under Section 80D of the lncome Tax Act, 1961.

Is treatment for obesity covered under this policy?

No. This policy does not provide cover for obesity. The policy also excludes coverage for pregnancy and related complications, hormone replacement, cosmetic treatment, or genetic disorders.

Is there any sub-limit on room rent expenses covered under this policy?

Yes. Room rent expenses are covered up to 25% of the sum insured for any one illness, with the following sub-limits: Room Rent- up to 1% of SI, subject to a maximum of Rs. 10,000 per day ICU charges- up to 2% of SI subject to a maximum of Rs. 20,000 per day

Does this policy provide cover for daycare procedures?

Yes. This policy provides cover for over 140 daycare procedures to the policyholders.

Is there any waiting period for pre-existing diseases under this policy?

Yes. There is a waiting period of continuous coverage for pre-existing diseases under this policy.

National Mediclaim Health Insurance Wordings

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Highlights

Claim Settlement	Dedicated Team
Claim Settlement Ratio	83.78%
Network Hospitals	6,000+
Renewability	Lifelong
Starting Premium for 5 lac SI	Rs.586/month
Starting Premium for Rs. 5 lakhs SI	Rs. 586/month

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National National Mediclaim Brochure

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Jul 08, 2019

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National Health Insurance Plan List

Family (5)
Individual (2)
Woman (4)
Parents (1)
Senior Citizen (1)
Maternity (2)
Kids (1)
Critical Illness (1)

Name of Plan	Sum Insured
National Mediclaim Plus Min: 3 Months; Max: 75 YearsPopular	2 Lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Corona Kavach PolicyMin: 1 Day; Max: 65 Years	50,000 - 5 lakh	Check Premium
Parivar Mediclaim Policy for FamilyMin: 18 Years; Max: 65 Years	2 Lakh	Check Premium
National Parivar Mediclaim Plus PolicyMin: 3 Months; Max: 65 Years	6 Lakh	Check Premium
National Parivar MediclaimMin: 3 Months; Max: 65 Years	1 Lakh	Check Premium
National MediclaimMin: 3 Months; Max: 65 Years	50 Thousand	Check Premium

National Health Insurance Top Up List

Name of Plan	Sum Insured
National Super Top-up Mediclaim PolicyMin: 3 months; Max: 65 years		Check Premium

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FAQs on National Mediclaim Health Insurance Plan

Can I increase my sum insured under this policy?
Yes. You can increase the basic sum insured under your policy at the time of renewal. For the enhanced sum insured, the waiting periods will be applied. You will be able to avail of coverage benefits with enhanced sum insured after the completion of waiting periods.
What is the minimum entry age for this policy?
Anyone who is aged above 18 years can be covered under this policy. Children aged between 3 months to 18 years can also be included if at least one of the parents is covered under the same policy.
What is the maximum entry age for this policy?
The maximum entry age of this policy is 65 years.
Who all can be covered under this policy?
Self, spouse, dependent children and dependent parents can be covered under this policy.
What is the age limit for policy renewal?
This policy can be renewed lifelong.
Do I get any tax benefit on purchase of this policy?
Yes. The premium paid for this policy is exempted from income tax under Section 80D of the lncome Tax Act, 1961.
Is treatment for obesity covered under this policy?
No. This policy does not provide cover for obesity. The policy also excludes coverage for pregnancy and related complications, hormone replacement, cosmetic treatment, or genetic disorders.
Is there any sub-limit on room rent expenses covered under this policy?
Yes. Room rent expenses are covered up to 25% of the sum insured for any one illness, with the following sub-limits:

Room Rent- up to 1% of SI, subject to a maximum of Rs. 10,000 per day

ICU charges- up to 2% of SI subject to a maximum of Rs. 20,000 per day
Does this policy provide cover for daycare procedures?
Yes. This policy provides cover for over 140 daycare procedures to the policyholders.
Is there any waiting period for pre-existing diseases under this policy?
Yes. There is a waiting period of continuous coverage for pre-existing diseases under this policy.

View More Questions

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.

National Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
National Health Insurance
1800-345-033024*7
customer.relations@nic.co.in