Mediclaim 2020
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National Mediclaim Policy is an indemnity health insurance policy. The Policy covers expenses incurred due to Hospitalisation for In-Patient Care (allopathy, ayurveda and homeopathy) or Day Care Treatment


  • The Policy is available with options of Basic SI of INR 1/ 2/ 3/ 4/ 5/ 6/ 7/ 8/ 9/ 10 L.
  • Discount for Optional Co-payment
  • Hospitalisation coverage for HIV/ AIDS and Mental Illness
  • 10% discount in premium (for new and Renewal, ONLY where no intermediary is involved)
Title Description
Ambulance Expenses Up to 1% of Sum Insured subject to maximum INR 2,000/- in a Policy Period for each Insured Person
Automatic Restoration of Sum Insured Available to Basic Sum Insured of INR 6L and above
Co-Payment The Insured may opt for Optional Co-payment, with discount in premium.
Day Care Procedure Coverage 140+ Day Care Procedures covered
Donor Expenses Medical Expenses for organ donor?s treatment during the course of organ transplant to any Insured Person.
Free Health Checkup Expenses payable shall be up to 1% of the average Basic Sum Insured of the block, subject to a maximum of INR 5,000 per Insured Person. at the end of a block of four (04) continuous Policy Periods provided no claims are reported
ICU Daily Rent Limit ICU Charges per day shall be payable up to 2% of Sum Insured subject to max of INR 20,000 per day
Medical Screening Pre policy checkup is required for persons aged fifty (50) years and above,
Minimum Hospitalization Period 24 hours
Non-Allopathic Treatments Covered up to SI, including CB
Post Hospitalization Expenses 60 days
Pre-Existing Disease / Illness coverage After 48 months of continuous coverage
Pre-Hospitalization Expenses 45 days
Room Rent Limit Room Rent per day shall be payable up to 1% of Sum Insured subject to max of INR 10,000 per day
Waiting Period for New Policy 30 days