Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Policy typeHealth insurance policy providing hospitalisation indemnity with optional critical-illness and outpatient sections.View source
The prospectus describes hospitalisation cover and separately listed critical-illness and outpatient options.
- Source
- National Mediclaim Plus Policy — official prospectus
- Page / section
- Policy overview and benefit sections
- Accessed
- 31 Aug 2026
- Confidence
- high
InsurerNational Insurance Company Limited.View source
The official prospectus identifies National Insurance as the insurer for National Mediclaim Plus.
- Source
- National Mediclaim Plus Policy — official prospectus
- Page / section
- Policy title and insurer identification
- Accessed
- 31 Aug 2026
- Confidence
- high
Sum insured / cover₹2,00,000 to ₹50,00,000. Plan A offers ₹2,00,000–₹10,00,000 in ₹1,00,000 multiples; Plan B offers ₹15,00,000, ₹20,00,000 and ₹25,00,000; Plan C offers ₹30,00,000, ₹40,00,000 and ₹50,00,000.View source
The current Bank of Baroda feature section publishes the three plan ranges and their sum-insured slabs.
- Source
- National Mediclaim Plus Policy — official product page
- Page / section
- Features — sum-insured plans and eligibility
- Accessed
- 31 Aug 2026
- Confidence
- high
Entry ageThe rate chart begins at 3 months–5 years and continues through the 86+ age band; the product page describes adult insured members as 18–65 years and lists dependent children from 3 months.View source
The official rate chart includes 3-month–5-year through 86+ age bands; the product page separately states the adult and dependent-child eligibility ranges.
- Source
- National Mediclaim Plus Policy Rate Chart
- Page / section
- Page 1 — age bands
- Accessed
- 31 Aug 2026
- Confidence
- high
Waiting periodPre-existing diseases: 36 months of continuous coverage. New illness: 30 days from inception, accidents excepted. Specified surgeries, treatments and diseases: the applicable 90-day, 1-year, 2-year or 4-year period; maternity has a 24-month continuous-cover wait.View source
The publishes the 36-month pre-existing-disease wait, 30-day initial wait, accident exception and the specified-treatment periods; the product terms state the maternity wait.
- Source
- National Mediclaim Plus Policy — Customer Information Sheet
- Page / section
- Page 1 — waiting period and coverage conditions
- Accessed
- 31 Aug 2026
- Confidence
- high
Core coverage30-day pre-hospitalisation; 60-day post-hospitalisation; inpatient and 140+ day-care procedures; AYUSH; organ donor; maternity; ambulance and air ambulanceView source
The features section lists these core benefits subject to plan limits.
- Source
- National Mediclaim Plus Policy
- Page / section
- Features
- Accessed
- 20 Aug 2026
- Confidence
- high
Optional coversCritical illness ₹2 lakh to ₹25 lakh; outpatient treatment ₹2,000 to ₹10,000View source
The official page publishes critical-illness and option ranges.
- Source
- National Mediclaim Plus Policy
- Page / section
- Coverage
- Accessed
- 20 Aug 2026
- Confidence
- high
National Mediclaim Plus coverageNational Mediclaim Plus covers inpatient treatment, 30 days of pre-hospitalisation, 60 days of post-hospitalisation, 140+ day-care procedures, Ayurveda and Homeopathy, organ-donor expenses, maternity, hospital cash, ambulance/
The official Features section enumerates the inpatient, day-care and additional benefits.
- Source
- National Mediclaim Plus Policy
- Page / section
- Features
- Accessed
- 23 Aug 2026
- Confidence
- high
National Mediclaim Plus sum insuredSum insured ranges from ₹2 lakh to ₹50 lakh: Plan A has nine slabs from ₹2 lakh to ₹10 lakh in ₹1 lakh multiples; Plan B offers ₹15 lakh, ₹20 lakh and ₹25 lakh; Plan C offers ₹30 lakh, ₹40 lakh and ₹50 lakh. Entry age is 18 to 65 years and eligible members are self, spouse, dependent or legally adopted children and parents.View source
The official Features section publishes the plan slabs, age range and covered family members.
- Source
- National Mediclaim Plus Policy
- Page / section
- Features
- Accessed
- 23 Aug 2026
- Confidence
- high
National Mediclaim Plus optional coversOptional Critical Illness cover is available per individual from ₹2 lakh to ₹25 lakh. Optional Outpatient Treatment cover is available per individual from ₹2,000 to ₹10,000. Annual sum insured can increase by 5% for each claim-free year up to 50% of the opted sum insured.View source
The official Coverage section publishes optional-cover amounts and claim-free increases.
- Source
- National Mediclaim Plus Policy
- Page / section
- Coverage
- Accessed
- 23 Aug 2026
- Confidence
- high
National Mediclaim Plus claim rulesPlanned hospitalisation should be intimated 72 hours in advance and emergencies within 24 hours. Original documents are generally due within 15 days after discharge or post-hospitalisation; critical-illness claims require notice within 15 days of diagnosis and documents within 30 days after the survival period.View source
The official Claims Procedure section publishes the notice and document deadlines.
- Source
- National Mediclaim Plus Policy
- Page / section
- Claims Procedure
- Accessed
- 23 Aug 2026
- Confidence
- high
Policy term1 year, renewable for life subject to the policy terms.View source
The prospectus states a one-year policy period and lifelong renewability except on its listed grounds.
- Source
- National Mediclaim Plus Policy — official prospectus
- Page / section
- Sections 2.5 and 2.10 — policy period and renewal
- Accessed
- 31 Aug 2026
- Confidence
- high
PremiumThe current chart lists base premiums of ₹5,293–₹2,13,557 before the 5.4% TPA loading and GST across Plans A, B and C. Price depends on age, sum insured and selected optional covers.View source
The lowest base-plan rate is ₹5,293 (Plan A, age 3 months–5 years, ₹2 lakh); the highest is ₹2,13,557 (Plan C, age 86+, ₹50 lakh). The chart states 5.4% loading and /charges extra.
- Source
- National Insurance — shared product rate charts (-21-32.pdfs)
- Page / section
- Physical page 40 (printed page 1) — Plan A, B and C base rate charts
- Accessed
- 13 Sept 2026
- Confidence
- high
Key exclusionsMajor exclusions include treatment outside India, sterility/infertility and assisted conception, surrogate or vicarious pregnancy, vaccination unless part of covered treatment, cosmetic/plastic/sex-change surgery, naturopathy or experimental treatment, dental treatment except after accident, drug or alcohol abuse, investigation-only admission, spectacles/contact lenses/hearing aids, hospital service/registration charges, war and radioactivity. The full policy wording controls the complete list.View source
The lists these major exclusions and directs readers to the full policy clauses for the complete exclusions schedule.
- Source
- National Mediclaim Plus Policy — Customer Information Sheet
- Page / section
- Page 1 — major exclusions
- Accessed
- 31 Aug 2026
- Confidence
- high
Claim documentsThe prospectus requires a completed claim form and original bills/receipts, medical history and discharge summary, prescribed cash memos, investigation reports, attending-doctor diagnosis certificate and surgeon’s operation certificate. Optional critical-illness and outpatient claims have their own diagnostic and prescription evidence requirements.View source
The documents section lists the original claim evidence and separate critical-illness/outpatient evidence; the policy says additional documents may be requested by the company or .
- Source
- National Mediclaim Plus Policy — official prospectus
- Page / section
- Pages 4–5 and 7–8, sections 5.3.4, 7.1.3 and 7.2.2
- Accessed
- 31 Aug 2026
- Confidence
- high
Claim notificationFor planned cashless or reimbursement hospitalisation, notify the TPA/
The table sets 72 hours for planned admission and 24 hours for emergency admission and describes cashless pre-authorisation.
- Source
- National Mediclaim Plus Policy — Customer Information Sheet
- Page / section
- Page 3, Claims; page 4, reimbursement procedure
- Accessed
- 31 Aug 2026
- Confidence
- high
Claim submission and settlementHospitalisation and pre-hospitalisation reimbursement documents are due within 15 days of discharge; post-hospitalisation documents within 15 days of completing treatment; vaccination claims within 15 days. The company settles or rejects within 30 days of the last necessary document, or within 45 days where investigation is required; accepted claims are paid within 7 days.View source
The prospectus publishes the document-submission deadlines and 30/45-day settlement windows, followed by payment within seven days after acceptance.
- Source
- National Mediclaim Plus Policy — official prospectus
- Page / section
- Pages 5–6, sections 5.3.4–5.3.5
- Accessed
- 31 Aug 2026
- Confidence
- high
Published discountsThe rate chart lists 10% family, 10% youth and 10% online discounts. Optional co-payment can reduce the policy premium by 12.5% for a 10% co-payment or 25% for a 20% co-payment. GST and TPA charges are extra; the page does not state how multiple discounts combine.View source
The chart prints Option 1: 10% co-pay at 12.5% discount; Option 2: 20% co-pay at 25% discount; discounts list family 10%, youth 10%, and online 10%.
- Source
- National Insurance — shared product rate charts (-21-32.pdfs)
- Page / section
- Physical page 40 (printed page 1) — Optional co-payment and discounts
- Accessed
- 13 Sept 2026
- Confidence
- high
Benefits and features
- 30-day pre-hospitalisation
- 60-day post-hospitalisation
- inpatient and 140+ day-care procedures
- organ donor
- maternity
- ambulance and air ambulance
Documents the bank lists
- Completed claim form
- Original bills, payment receipts, medical history and hospital discharge certificate or summary
- Hospital or chemist cash memos supported by the prescription
- Payment receipts and investigation test reports supported by the attending medical practitioner’s prescription
- Attending medical practitioner’s certificate stating diagnosis, date of diagnosis and bill receipts
- Surgeon’s original certificate stating diagnosis and nature of operation, with bills and receipts
- For medical-emergency reunion claims, confirmation from the attending medical practitioner of the family member’s need
- For critical-illness optional cover, doctor’s certificate confirming diagnosis and date plus pathological or diagnostic reports
- For outpatient optional cover, bills, medical-practitioner prescriptions and diagnostic test bills/reports
- Any additional document required by National Insurance or its
Related official documents
NMPP CISofficial-product-document · current · accessed 15 Aug 2026
↗NMPP Prospectusprospectus · current · accessed 15 Aug 2026
↗NMPP Rate Chartfees-and-charges-schedule · current · accessed 15 Aug 2026
↗NMPP Rate Chartfees-and-charges-schedule · current · accessed 15 Aug 2026
↗Bank of Baroda salary-package and National Insurance schedules (BOB-21-32.pdfs)official-shared-insurance-and-salary-package-pdf · reviewed; attached CGESP PAI/GTL schedules expired, renewal unverified · accessed 13 Sept 2026
↗National Mediclaim Plus Policy — current Bank of Baroda product pageofficial-product-page · current · accessed 13 Sept 2026
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