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#2
31st October 2015, 03:27 PM
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| 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-  |