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.

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National Vidyarthi Mediclaim Policy for Students

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    National Vidyarthi Mediclaim Policy for Students: Key Highlights

    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


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