National Insurance Mediclaim Plus Policy

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      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.

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      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

      Benefits:

      • 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 

      Plans

      Health checkup amount

      Plan-A

      Rs 1,000

      Plan-B

      Rs 2,000

      Plan-c

      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.

      Plans

      Sum insured

      Plan-A

      Rs 1 lac to 10 lacs in multiple of 1 lac

      Plan-B

      Rs 15 lacs ,Rs 20 lacs, Rs 25 lacs

      Plan-C

      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.

      Inclusions

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

      Coverage

      Plan-A

      Plan-B

      Plan-C

      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

      Rs500

      Rs800

      Rs1,000

      Medical emergency

      Nil

      Rs 20,000

      Rs 20,000

      Exclusions

      • Treatment of obesity is not covered
      • Treatment of genetic disorder is not covered
      • Treatment of HIV or AIDS is not covered
      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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