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15th January 2018, 10:26 AM
Super Moderator
Join Date: Aug 2012
Re: National Insurance Company Limited Mediclaim

The National Parivar Mediclaim Plus Policy covers the family including self, spouse, children and parents/parents-in-laws under one floater sum insured.

This is a unique product which offers coverage as high as Rs. 50 Lakh, with many innovative features.
The Policy can be renewed life-long.

Mediclaim Policy

Entry Age (years)
Minimum 18
Maximum 59
Maximum Policy Renewal Age (years) - 80 or upto 90 if policy continued for atleast 5 years prior to attaining age of 80 years with special approval
Coverage Type Individual/ family on an individual basis/ family floater
Policy Term (years) 1
Sum Insured (Rs)
Maximum 5 lakh
Minimum 50000
No Claim Bonus 5% for each claim free year till it reaches 50%
Pre Policy Medical Check Up Mandatory for age of 50 years and above. Cost shall be borne by insured.
Policy Termination Insurance company may cancel the policy by giving a 30days notice. Insurer may also cancel the policy at anytime. In such an event, insurance company shall refund the proportionate premium as agreed in the policy document

Cashless facility available if treatment availed in a network hospital

Reimbursement facility available if treatment availed in a non-network hospital

Pre and post hospitalisation medical expenses incurred during 30 days prior to hospitalisation and 60 days after discharge from hospital will be covered
Room, Boarding and nursing expenses* pays 1% of Sum Insured per day subject to maximum of Rs 5000

I.C.U expenses* pays 2% of sum insured per day subject to maximum of Rs 10000

Surgeon, Anesthetist, Medical Practitioner, Consultants Specialist fees
covered upto maximum of 25% of sum insured per illness

Anesthesia, Blood, Oxygen, OT charges, Surgical appliance, Medicines, drugs, Diagnostic Material & X-Ray, Dialysis, Chemotherapy, Radiotherapy, cost of pacemaker, artificial limbs and cost of stent and implant
covered upto maximum of 50% of Sum Insured

Ambulance charges
pays 1% of the sum insured subject to maximum of Rs 1000
Organ donor expenses covers hospitalisation expenses of organ donor

Day care procedures such as dialysis, chemotherapy etc.
covers certain treatments which does not require overnight hospitalisation due to advancement of technology

Health check up
allowed once at the end of four continuous claim free years
Overall limit for these benefits is 25% of sum insured per illness


Head Office:

National Insurance Company Limited
3 Middleton Street
West Bengal
Pincode : 700071

Call to 1800 419 4033

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