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Old 31st October 2015, 03:27 PM
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Join Date: May 2012
Default Re: Mediclaim Policy By National Insurance Company

National Insurance Company Limited (NICL) is a state owned general insurance company in India. The company headquartered at Kolkata was established in 1906 and nationalized in 1972.

National Mediclaim Plus Policy

National Mediclaim Plus Policy with its comprehensive coverage goes beyond the traditional health covers

The Policy provides for expenses of hospitalization, pre & post and day care treatment.

Expenses of Allopathic, Ayurvedic and Homeopathic treatment are payable up to the sum insured.

Features-

Plans and Sum Insured

The Policy offers three plans with varying covers

Plan AINR 2 lac to INR 10 lac in multiples of 1lac

Plan BINR 15 lac, INR 20lac,INR 25 lac

Plan C: INR 30 lac, INR 40 lac ,INR 50 lac

Eligibility-

Self, spouse, dependent children and parents
Entry age of proposer - 18 years to 65 years
Children - 3 months to 18 years
Entry age of members - 18 years to 65 years
The policy can be renewed lifelong

Covered-

Pre existing diseases

Covered after a waiting period of 3 years

Treatment

The Policy covers Allopathy, Ayurveda and Homeopathy treatment.

In-patient treatment

i. Room charges and intensive care unit charges

ii. Medical practitioner(s)

iii. Anaesthesia, blood, oxygen, operation theatre charges, surgical appliances

iv. Medicines and drugs

v. Diagnostic procedures

vi. Prosthetics and other devices or equipment if implanted internally during a surgical procedure.

Pre and Post hospitalization

Expenses incurred 30 days prior to hospitalization and 60 days post hospitalization

Day care procedure

140+ day care procedures are covered

Hospitalization expenses of the organ donor.

Organ donor’s medical expenses

Maternity and new born

Vaccination

Expenses for vaccination of children are covered.

Hospital Cash

Daily hospital cash allowance is payable.

Ambulance

Air Ambulance

Medical Emergency Reunion

Doctor’s home visit and nursing care

Adjustment in premium

Medical Second Opinion

Optional covers

Critical Illness

Lump sum payment will be made on diagnosis of a named critical illness.

Benefit amount – INR 2 lac to INR 25 lac

Outpatient Treatment

Limit of cover - INR 2,000 to INR 10,000.

Good Health Incentives

Cumulative Bonus (CB)

Sum insured will increase by 5% for each claim free year.

Health Checkup

Key benefits-


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