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National Insurance Mediclaim Policy

Eligibility  
Entry Age (years)  
Minimum 18
Maximum 59
Maximum Policy Renewal Age (years) 80 or upto 90 if policy continued for atleast 5 years prior to attaining age of 80 years with special approval
Coverage Type Individual/ family on an individual basis/ family floater
Sum Insured (Rs)  
Maximum 5 lakh
Minimum 50000
Policy Term (years) 1
No Claim Bonus 5% for each claim free year till it reaches 50%
Pre Policy Medical Check Up Mandatory for age of 50 years and above. Cost shall be borne by insured.
Policy Termination Insurance company may cancel the policy by giving a 30days notice. Insurer may also cancel the policy at anytime. In such an event, insurance company shall refund the proportionate premium as agreed in the policy document
Customer Service  
Address Head Office: National Insurance Company Limited
3 Middleton Street
Kolkata
West Bengal
Pincode : 700071
Mail to website.administrator@nic.co.in
Call to 1800 419 4033
Scope Of Cover
Cashless facilityavailable if treatment availed in a network hospital
Reimbursement facilityavailable if treatment availed in a non-network hospital
Pre and post hospitalisationmedical expenses incurred during 30 days prior to hospitalisation and 60 days after discharge from hospital will be covered
Room, Boarding and nursing expenses*pays 1% of Sum Insured per day subject to maximum of Rs 5000
I.C.U expenses*pays 2% of sum insured per day subject to maximum of Rs 10000
Surgeon, Anesthetist, Medical Practitioner, Consultants Specialist feescovered upto maximum of 25% of sum insured per illness
Anesthesia, Blood, Oxygen, OT charges, Surgical appliance, Medicines, drugs, Diagnostic Material & X-Ray, Dialysis, Chemotherapy, Radiotherapy, cost of pacemaker, artificial limbs and cost of stent and implantcovered upto maximum of 50% of Sum Insured
Ambulance chargespays 1% of the sum insured subject to maximum of Rs 1000
Organ donor expensescovers hospitalisation expenses of organ donor
Day care procedures such as dialysis, chemotherapy etc.covers certain treatments which does not require overnight hospitalisation due to advancement of technology
Health check upallowed once at the end of four continuous claim free years
*Overall limit for these benefits is 25% of sum insured per illness
Exclusions and Waiting period
Pre-existing illnessescovered after 4 continuous claim free policy years
Waiting periodCertain disorders and surgeries will be covered after first policy yearCertain illnesses such as cataract, hernia, diabetes, hypertension etc. will be covered after completion of first two policy yearsAIDS/ HIV or related diseases