National Vidyarthi Mediclaim Policy for Students: Buy Policy Online

National Vidyarthi Mediclaim Policy for Students

National Vidyarthi Mediclaim Policy for Students is designed to cover the health needs of students. It is a combination of a health insurance policy and personal accident cover. This National health insurance policy covers students against hospitalization expenses, mental illnesses, morbid obesity, refractive error and injuries due to hazardous or adventure sports. It also offers personal accident cover to the parents of the insured student.

Categories	Specifications
Sum Insured	Rs 50,000 to Rs 2 lakh
Policy Tenure	1 year
Network Hospitals	6000+
Incurred Claim Ratio (2020-21)	101.09%
Pre-policy Medical Check-up	Not required
Pre-existing Diseases Waiting Period	3 years

Benefits of National Vidyarthi Mediclaim Policy for Students

Take a look at the key benefits of buying a National Vidyarthi Mediclaim policy for students:

Health Insurance for Students

This National Insurance Mediclaim policy offers customized medical coverage to students against accidental injuries and a wide range of illnesses.
Health + Accident Cover

This student mediclaim policy not only covers the insured for medical expenses but also provides coverage for accidental death and disability.
Cumulative Bonus

A cumulative bonus of 5% will be granted to the policyholder for every claim-free year up to a maximum of 50%. It can either be used to avail a discount on the renewal premium or to increase the sum insured amount without hiking the premium.
Cashless Hospitalization

The insured students can avail cashless hospitalization facilities at over 6000 network hospitals of the National Insurance Company Limited across the country.
Tax Benefits

The policyholder can also claim the premium amount for tax deductions under Section 80D of the IT Act.

National Vidyarthi Mediclaim Policy for Students Eligibility Criteria

Here are the eligibility criteria to buy a National Vidyarthi Mediclaim policy for students:

Parameters	Eligibility Criteria
Minimum Entry Age	3 years
Maximum Entry Age	25 years
Qualification	Student of any registered Indian educational institution affiliated to AICTE, State Board, University, Council or any Government Statutory Authority
Coverage Type	Individual
Renewability	Lifetime

Inclusions of National Vidyarthi Mediclaim Policy for Students

The following medical coverage is included under the National Vidyarthi Mediclaim policy for students:

Hospitalization Expenses
Pre-hospitalization Expenses
Post-hospitalization Expenses
Modern Treatment
Hazardous or Adventure Sports Cover
Morbid Obesity Treatment
Correction of Refractive Error
Treatment of HIV/ AIDS
Treatment of Mental Illness
Personal Accident Cover for Students
Personal Accident Cover for Parents

Optional Covers:

Transportation Cost of Insured’s Dead Body

Exclusions of National Vidyarthi Mediclaim Policy for Students

The National Vidyarthi Meidclaim policy for students excludes the following coverage:

OPD treatment
Dental treatment
Maternity expenses
Treatment for alcohol or drug abuse
Self-inflicted injury
Birth control, sterility and infertility
Naturopathy treatment
Treatment taken outside India
Cosmetic or plastic surgery
Congenital external anomaly

National Vidyarthi Mediclaim Policy for Students Waiting Periods

Check out the waiting periods applicable under the National Vidyarthi Mediclaim policy for students:

Category	Waiting Period
Pre-existing Diseases Waiting Period	3 years
Hypertension/ Diabetes/ Cardiac Conditions	90 days
Specific Illness Waiting Period	2 years/ 4 years
Initial Waiting Period	30 days
Morbid Obesity Treatment Waiting Period	4 years
Correction of Refractive Error Waiting Period	2 years

FAQs

Q1. Does the National Vidyarthi Mediclaim policy for students come with any sub-limits?

Ans: Yes. The National Vidyarthi Mediclaim policy for students comes with sub-limits on room rent, modern treatments, hazardous or adventure sports cover and transportation cost of the insured’s dead body.
Q2. Which documents are required to raise a claim under the National Vidyarthi Mediclaim policy for students?
Ans: The following documents are required to raise a claim under the National Vidyarthi Mediclaim policy for students:
- National Insurance claim form
- FIR (in case of accident claims)
- First consultation papers
- Copy of doctor’s prescription advising hospital admission
- Test reports
- Death certificate (in case of accident claims)
- Post-mortem certificate (in case of accident claims)
- Hospital discharge summary
- Doctor’s prescriptions
- Hospital bills
Q3. How much time will it take to settle a claim under the National Vidyarthi Mediclaim policy for students?

Ans: The National Insurance Company Limited will either accept or reject your claim within 30 days of receiving all the documents under the Vidyarthi Mediclaim policy for students.
Q4. Where can I check the premium payable for the National Vidyarthi Mediclaim policy for students?

Ans: The premium for the Vidyarthi Mediclaim policy for students can be found on the National Insurance Mediclaim policy premium chart.
Q5. How can I check the status of my National Vidyarthi Mediclaim policy for students?

Ans: You can check the status of your National Vidyarthi Mediclaim policy for students by contacting the insurance company. You can also log in to their official website to know the policy status.