National National Mediclaim Plus Health Insurance

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.

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

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

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. 

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

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

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.

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