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 typeIndividual health insuranceView source
The policy indemnifies inpatient and more than 140 day-care treatment expenses.
- Source
- National Mediclaim Policy
- Page / section
- Benefits
- Accessed
- 20 Aug 2026
- Confidence
- high
InsurerNational Insurance Company LimitedView source
The official product page identifies National Insurance.
- Source
- National Mediclaim Policy
- Page / section
- Product identity
- Accessed
- 20 Aug 2026
- Confidence
- high
Sum insured₹1 lakh to ₹10 lakhView source
The official page publishes a ₹1-10 lakh sum-insured range.
- Source
- National Mediclaim Policy
- Page / section
- Highlights
- Accessed
- 20 Aug 2026
- Confidence
- high
Entry age18 to 65 years; newborn children from 3 monthsView source
The page publishes adult entry ages and permits newborn cover from three months.
- Source
- National Mediclaim Policy
- Page / section
- Highlights
- Accessed
- 20 Aug 2026
- Confidence
- high
Waiting periods30 days initially except accidents; pre-existing diseases: 48 months; specified diseases: 90 days, 1, 2, 3 or 4 years depending on conditionView source
The page contains duplicated specified-disease schedules; the concise fact retains every published duration pending prospectus reconciliation.
- Source
- National Mediclaim Policy
- Page / section
- Exclusions
- Accessed
- 20 Aug 2026
- Confidence
- high
Core coverage45-day pre-hospitalisation; 60-day post-hospitalisation; inpatient and 140+ day-care procedures; AYUSH; ambulance and organ donor expensesView source
The highlights section lists these benefits subject to policy sublimits.
- Source
- National Mediclaim Policy
- Page / section
- Highlights
- Accessed
- 20 Aug 2026
- Confidence
- high
No-claim increase5% sum-insured increase per claim-free year, up to 50%View source
The page publishes a 5% annual increase capped at 50%.
- Source
- National Mediclaim Policy
- Page / section
- Why buy
- Accessed
- 20 Aug 2026
- Confidence
- high
National Mediclaim coverageThe individual National Mediclaim Policy indemnifies inpatient treatment requiring at least 24-hour hospitalisation and 140+ day-care procedures on cashless or reimbursement basis, with reasonable, customary and medically necessary expenses covered.View source
The official overview and benefits section publish the inpatient, day-care and claim modes.
- Source
- National Mediclaim Policy
- Page / section
- Overview / Benefits
- Accessed
- 23 Aug 2026
- Confidence
- high
National Mediclaim limits and eligibilitySum insured ranges from ₹1 lakh to ₹10 lakh. Entry age is 18 to 65 years. Cover can include self, spouse, dependent natural or legally adopted children, parents, parents-in-law, a bona-fide student brother up to 25 years, an unmarried unemployed sister and a newborn from 3 months.View source
The official Highlights section publishes sum insured, age and family eligibility.
- Source
- National Mediclaim Policy
- Page / section
- Highlights
- Accessed
- 23 Aug 2026
- Confidence
- high
National Mediclaim benefitsAllopathy, Ayurveda and Homeopathy are covered up to 100% of sum insured; pre-hospitalisation is covered up to 45 days and post-hospitalisation up to 60 days for the same condition. Modern treatments, mental illness, HIV/
The official Highlights section lists treatment, hospitalisation, renewal and portability features.
- Source
- National Mediclaim Policy
- Page / section
- Highlights
- Accessed
- 23 Aug 2026
- Confidence
- high
PremiumThe official rate chart lists ₹2,246–₹83,428 per person before the 5.4% TPA loading and GST; the exact premium depends on age and sum insured from ₹1 lakh to ₹10 lakh.View source
The chart runs from ₹2,246 for age 6–17 at ₹1 lakh sum insured to ₹83,428 for age 86+ at ₹10 lakh. It states that is extra and a 5.4% loading applies when service is selected.
- Source
- National Insurance — shared product rate charts (-21-32.pdfs)
- Page / section
- Physical page 41 (printed page 1) — National Mediclaim individual rate chart
- Accessed
- 13 Sept 2026
- Confidence
- high
Key exclusionsSpecific diseases carry 90-day, 1-, 2- or 3-year waiting periods; pre-existing diseases are covered after 48 months. The policy excludes change-of-gender treatment, cosmetic or plastic surgery, excluded providers, vitamins/
The current product page lists the initial accident-only period, pre-existing-disease waiting period, specific-disease waits and the named treatment, substance, provider and outpatient exclusions.
- Source
- National Mediclaim Policy
- Page / section
- Exclusions
- Accessed
- 26 Aug 2026
- Confidence
- high
Claim documentsFor reimbursement, submit the insurer's claim form Parts A and B; original bills and payment receipts; the patient's recorded medical history and hospital discharge summary; hospital or chemist cash memos supported by prescriptions; investigation reports and attending-doctor certificates; the surgeon's certificate describing the diagnosis and operation with bills/
The page lists the insurer's claim form Parts A and B, original treatment and payment records, prescriptions, investigation reports, practitioner/surgeon certificates and any additional item required by the company/ . It says original documents are due within 15 days at the stated claim milestones.
- Source
- National Mediclaim Policy — current Bank of Baroda product page
- Page / section
- Claims procedure and Documents Required
- Accessed
- 13 Sept 2026
- Confidence
- high
Benefits and features
- 45-day pre-hospitalisation
- 60-day post-hospitalisation
- inpatient and 140+ day-care procedures
- ambulance and organ donor expenses
Related official documents
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 Policyofficial-product-page · current · accessed 29 Aug 2026
↗National Mediclaim Policy — current Bank of Baroda product pageofficial-product-page · current · accessed 13 Sept 2026
↗National Mediclaim Policy — official page HTML and attachment-link reviewofficial-product-page-html · current page reviewed; labelled attachments unresolved in official route · accessed 15 Sept 2026
↗National Mediclaim Policy — Rate Chart (legacy record, page reference corrected)rate-sheet · superseded · accessed 13 Sept 2026
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