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National Insurance-Mediclaim Policy
National Insurance offers medicalim policy which covers the individual and familiy under the single policy. It covers all hospitalization expense fro sickness, illness and accidental injuries. Medicalim policy has been devised under the aegis of the government of India.
The policy covers the hospitalization expenses such as room rent, boarding and nursing expenses, surgeon fees, consultant fees, specialist fees, anesthetists, medical practitioner, operation theatre charges, ICU charges, anesthesia, cost of blood, oxygen, surgical appliances, diagnostic materials, x-ray, dialysis, chemotherapy, radiotherapy, pacemaker, artificial limbs, cost of organ etc. Pre-existing diseases are covered after 4 continuous claim free policy years.
Premium paid towards the policy is eligible for tax benefit under section 80D of the Income Tax Act,1961.
Entry age is 18 years to 59 years and can be renewed up to the age of 80 years. Spouse, dependent children above 3 months to 25 years and dependent parent can be covered under the single policy.
Minimum sum insured amount is Rs.50,000/- and can be increased in the multiples of Rs.25,000/- up to Rs.5,00,000/-.
1.Cashless hospitalization facility through TPA
2.No pre medical examination up to the age of 50 years
3.Cumulative bonus on policy renewal