National Insurance Mediclaim Plus Policy

"Happiness is composed of misfortune avoided." Mediclaim Plus policy by National General Insurance covers your expense of uncertain illness and makes medical services easy and accessible. This policy covers the healthcare expenses, pre and post hospitalization expenses, maternity, vaccination for new born, allopathic & ayurvedic treatment, serious illnesses and day care treatment etc.

Read More

National Insurance Mediclaim Plus Policy

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    Key Features:

    • There are three plans available under this mediclaim policy
    • Rooms and ICU charges are covered up to 1% and 2% respectively of sum insured or actual expenses, whichever is less under plan A
    • Under all the 3 plans, pre-existing disease are covered after 36 months
    • Vaccination for new born is covered up to Rs 1000
    • Co-payment of 20% of claim if the treatment is taken from non-networked hospital


    • Cumulative bonus can be increased from 5% to 50% on sum insured on renewals
    • After every 2 years, insured can avail certain amount from the insurance company for health checkup irrespective of claims 


    Health checkup amount


    Rs 1,000


    Rs 2,000


    Rs 3,000

    • Discount of 10% on premium can be availed if you cover your family under this policy
    • Youth discount is applicable up to 10%, if the age limit is between 18 years to 25 years

    Details about Premium

    Premium will be charged on the basis of the plan chosen by the proposer.


    Sum insured


    Rs 1 lac to 10 lacs in multiple of 1 lac


    Rs 15 lacs ,Rs 20 lacs, Rs 25 lacs


    Rs 30 lacs, Rs 40 lacs, Rs 50 lacs

    Policy Details

    Minimum Sum Insured: 2 lacs

    Maximum Sum Insured: 50 lacs

    Policy Period: This policy is issued for one year and can be renewed for whole life.

    Change of Plan: The plan can only be changed at the time of renewal and can be changed after 4 years of continuous coverage from the same insurance company.

    Grace Period: In case the premium is not paid on the premium due date, a grace period of 15 days is given to insured and during grace period coverage is not applicable.

    Waiting Period: During the first 30 days of commencement of policy, any diseases contracted by the insured are not covered.

    Portability: In case insured wants to switch to some other insurer, insured should intimate it to insurer prior 45 days of expiry of the ongoing policy.

    Additional Riders or Features

    • On the payment of extra premium, critical illness cover can be taken. Under this cover a lump sum payment will be made in case any critical illness is diagnosed. Benefit amount can vary from 2 lacs to 25 lacs.
    • Outpatient cover can be given up to Rs 10,000.

    Documents Required

    The proposer has to fill an application/proposal form to buy this insurance. Proposer might have to submit medical report in case of extreme conditions or higher age.

    Eligibility Criteria

    Entry age for the proposer- 18 years to 65 years

    Entry age for children- 3 months to 18 years

    Insured can cover his spouse, two dependent children (below 18 years) and dependent parents under this policy.


    Pre hospitalizations expenses are covered for 30 days and post hospitalization expenses are covered up to 60 days.





    Maternity expenses

    Rs 30,000 for normal and 50,000 for caesarean

    Rs 60,000 for normal and 75,000 for caesarean

    Rs 80,000 for normal and 1,00,000 for caesarean

    Ambulance expenses

    Rs 2,500

    Rs 4,000

    Rs 5,000

    Hospital cash per day




    Medical emergency


    Rs 20,000

    Rs 20,000


    • Treatment of obesity is not covered
    • Treatment of genetic disorder is not covered
    • Treatment of HIV or AIDS is not covered

    Health insurance articles

    Recent Articles
    Popular Articles
    Monkeypox: Dos and Don’ts of the Disease That You Should Know

    15 Sep 2022

    Monkeypox has slowly and steadily spread to more than 85 countries...
    Read more
    Why is It Important to Disclose Pre-existing Diseases to Your Insurer?

    06 Sep 2022

    As we grow old, the chances of developing a disease or a medical...
    Read more
    Benefits of Multi-Year Health Insurance Plans

    25 Aug 2022

    Ever since COVID-19 entered our lives, health insurance has come...
    Read more
    Does Health Insurance Cover Monkeypox?

    25 Jul 2022

    Monkeypox is the latest disease to make its way to India while we...
    Read more
    List of Diseases Covered by Bajaj Allianz Health Insurance Plans

    05 Jul 2022

    Barely any person has remained unaffected due to rising health...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
    Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal...
    Read more
    Best Maternity Insurance Plans
    Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
    Read more
    Best Health Insurance Plans for Senior Citizens in 2022
    Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance...
    Read more

    Download the Policybazaar app
    to manage all your insurance needs.