National Mediclaim Policy is an indemnity health insurance policy. The Policy covers expenses incurred due to Hospitalisation for In-Patient Care (allopathy, ayurveda and homeopathy) or Day Care Treatment
Title |
Description |
Ambulance Expenses |
Up to 1% of Sum Insured subject to maximum INR 2,000/- in a Policy Period for each Insured Person |
Automatic Restoration of Sum Insured |
Available to Basic Sum Insured of INR 6L and above |
Co-Payment |
The Insured may opt for Optional Co-payment, with discount in premium. |
Day Care Procedure Coverage |
140+ Day Care Procedures covered |
Donor Expenses |
Medical Expenses for organ donor?s treatment during the course of organ transplant to any Insured Person. |
Free Health Checkup |
Expenses payable shall be up to 1% of the average Basic Sum Insured of the block, subject to a maximum of INR 5,000 per Insured Person. at the end of a block of four (04) continuous Policy Periods provided no claims
are reported |
ICU Daily Rent Limit |
ICU Charges per day shall be payable up to 2% of Sum Insured subject to max of INR 20,000 per day |
Medical Screening |
Pre policy checkup is required for persons aged fifty (50) years and above, |
Minimum Hospitalization Period |
24 hours |
Non-Allopathic Treatments |
Covered up to SI, including CB |
Post Hospitalization Expenses |
60 days |
Pre-Existing Disease / Illness coverage |
After 48 months of continuous coverage |
Pre-Hospitalization Expenses |
45 days |
Room Rent Limit |
Room Rent per day shall be payable up to 1% of Sum Insured subject to max of INR 10,000 per day |
Waiting Period for New Policy |
30 days |