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PRODUCT ELIGIBILITY
Transaction Type
Renewal (Same Product & Branch)
Fresh (New Application)
Porting (From Other Company)
Migration (NIC Branch Transfer)
Switching (Change NIC Product)
National Mediclaim (Ind)
New National Parivar (Floater)
National Young India (Ind)
National Young India (Floater)
National Senior Citizen (Ind)
National Senior Citizen (Floater)
National Super Top-Up (Ind)
National Super Top-Up (Floater)
National Mediclaim Plus (Ind)
National Parivar Plus (Floater)
National Young India Plus (Ind)
National Young India Plus (Floater)
NATIONAL MEDICLAIM POLICY (NMP)
+
Select SI
0
Home-Care Addon
None
Max 10% of SI
Non-Med Add-on
CO-PAY & INSTALLMENT OPTIONS
+
OPTIONAL CO-PAYMENT
20% Co-Pay
10% Co-Pay
None
INSTALLMENT MODE
Annual
Half-Yearly
Quarterly
Total Annual Premium:
0
NEW NATIONAL PARIVAR MEDICLAIM (NNPM)
Policy Sum Insured
*
Select SI
₹ 1,00,000
₹ 2,00,000
₹ 3,00,000
₹ 4,00,000
₹ 5,00,000
₹ 6,00,000
₹ 7,00,000
₹ 8,00,000
₹ 9,00,000
₹ 10,00,000
Zone
*
Zone I - Greater Mumbai Metropolitan area, entire state of Gujarat, Delhi, NCR, Chandigarh, Pune
Zone II – Chennai, Hyderabad, Bangalore
Zone III - Rest of India
+
0
Critical Illness SI
None
₹ 2,00,000
₹ 3,00,000
₹ 5,00,000
₹ 10,00,000
Cannot exceed Policy SI
HTN Cover
DM Cover
CO-PAY, OPD, NME, HOMECARE & INSTALLMENTS
+
OPTIONAL CO-PAYMENT
20%
10%
None
OPD Cover
None
₹ 2,000
₹ 3,000
₹ 4,000
₹ 5,000
₹ 10,000
Non-Med
Home-Care Treatment
None
₹10,000
₹15,000
₹20,000
₹25,000
₹30,000
₹35,000
₹40,000
₹45,000
₹50,000
Max 10% of Policy SI
INSTALLMENT MODE
Annual
Half-Yearly
Quarterly
Term
1 Year
2 Years
3 Years
Total Premium
0
NATIONAL YOUNG INDIA POLICY (INDIVIDUAL)
Opted Zone
*
Zone 1: Gujarat
Zone 2: Delhi, Delhi NCR, Maharashtra, Chennai, Hyderabad, Indore
Zone 3: Rest of India
+
Select SI
₹ 3,00,000
₹ 5,00,000
₹ 10,00,000
0
HTN Cover
DM Cover
Non-Med Expenses
(Requires 5L+ SI)
POLICY OPTIONAL COVERS
+
Double Critical Illness Cover
Net Payable (Annual):
0
Long Term Policy (3 Years - 4.25% Disc.)
₹
0
NATIONAL YOUNG INDIA POLICY (FLOATER)
Opted Zone
*
Zone 1: Gujarat
Zone 2: Delhi, Delhi NCR, Maharashtra, Chennai, Hyderabad, Indore
Zone 3: Rest of India
Policy Sum Insured
*
Select SI
₹ 3,00,000
₹ 5,00,000
₹ 10,00,000
OPTIONAL COVERS
+
Cover for HTN
Cover for DM
Double Critical Illness
Non-Medical Expenses
(Requires 5L+ SI)
Net Payable Premium:
0
Long Term Policy (3 Years - 4.25% Disc.)
₹
0
Floater
NATIONAL SENIOR CITIZEN (INDIVIDUAL)
Zone
*
Zone I - Gujarat, Delhi & NCR, Hyderabad, Mumbai & Mumbai Suburban, Thane and Navi Mumbai Nagpur, Pune
Zone II - Rest of India
Plan Type
*
Plan A
Plan B
+
Select SI
0
Critical Illness SI
None
PA Cover SI
None
₹ 1,00,000
₹ 2,00,000
₹ 3,00,000
₹ 4,00,000
₹ 5,00,000
₹ 6,00,000
₹ 7,00,000
₹ 8,00,000
₹ 9,00,000
₹ 10,00,000
HTN Cover
DM Cover
CI SI cannot exceed Basic SI
CO-PAY, OPD & INSTALLMENTS
+
OPTIONAL CO-PAYMENT
20% Co-Pay
10% Co-Pay
None
Optional OPD Cover
None
₹ 2,000
₹ 5,000
₹ 10,000
₹ 15,000
INSTALLMENT MODE
Annual
Half-Yearly
Quarterly
Total Net Premium:
0
NATIONAL SENIOR CITIZEN (FLOATER)
Policy Sum Insured
*
Select SI
₹ 1,00,000
₹ 2,00,000
₹ 3,00,000
₹ 4,00,000
₹ 5,00,000
₹ 6,00,000
₹ 7,00,000
₹ 8,00,000
₹ 9,00,000
₹ 10,00,000
Zone
*
Zone I - Gujarat, Delhi & NCR, Hyderabad, Mumbai & Mumbai Suburban, Thane and Navi Mumbai Nagpur, Pune
Zone II - Rest of India
Plan Type
*
Plan A
Plan B
+
0
Critical Illness SI
None
₹ 1,00,000
₹ 2,00,000
₹ 3,00,000
₹ 4,00,000
₹ 5,00,000
₹ 6,00,000
₹ 7,00,000
₹ 8,00,000
₹ 9,00,000
₹ 10,00,000
PA Cover SI
None
₹ 1,00,000
₹ 2,00,000
₹ 3,00,000
₹ 4,00,000
₹ 5,00,000
₹ 6,00,000
₹ 7,00,000
₹ 8,00,000
₹ 9,00,000
₹ 10,00,000
HTN Cover
DM Cover
CI SI cannot exceed Policy SI
CO-PAY & OPD OPTIONS
+
OPTIONAL CO-PAYMENT
20% Co-Pay
10% Co-Pay
None
Optional OPD Cover
None
₹ 2,000
₹ 4,000
₹ 5,000
₹ 7,500
₹ 10,000
₹ 15,000
INSTALLMENT MODE
Annual
Half-Yearly
Quarterly
Total Net Premium:
₹ 0
NATIONAL SUPER TOP-UP (INDIVIDUAL)
Policy Term
*
1 Year
2 Years
3 Years
+
Threshold
Select SI
0
Basic premium calculation based on selected Threshold and Sum Insured.
Family Discount (5%):
0
Long Term Discount:
0
Net Payable:
₹ 0
NATIONAL SUPER TOP-UP (FLOATER)
Threshold
*
Select Threshold
Sum Insured
*
Select SI
•
0
POLICY OPTIONS & DISCOUNTS
Policy Term
1 Year
2 Years (3% Disc on Basic)
3 Years (5% Disc on Basic)
Standard top-up coverage applies.
Long Term Discount:
0
Net Payable:
₹ 0
NATIONAL MEDICLAIM PLUS POLICY (NMPP)
+
Select SI
₹ 2,00,000
₹ 3,00,000
₹ 4,00,000
₹ 5,00,000
₹ 6,00,000
₹ 7,00,000
₹ 8,00,000
₹ 9,00,000
₹ 10,00,000
₹ 15,00,000
₹ 20,00,000
₹ 25,00,000
₹ 30,00,000
₹ 40,00,000
₹ 50,00,000
0
Critical Illness SI (Age 18+ Only)
None
₹ 2,00,000
₹ 3,00,000
₹ 5,00,000
₹ 10,00,000
₹ 15,00,000
₹ 20,00,000
₹ 25,00,000
Cannot exceed Basic SI
OPD Cover
None
₹ 2,000
₹ 3,000
₹ 4,000
₹ 5,000
₹ 10,000
Home-Care Treatment
None
₹10,000
₹15,000
₹20,000
₹25,000
₹30,000
₹35,000
₹40,000
₹45,000
₹50,000
Max 10% of SI
Non-Medical Expenses (Requires 5L+ SI)
OPTIONAL CO-PAYMENT
+
20% Co-Pay
10% Co-Pay
None
Family Discount (10%):
0
Youth Discount (10%):
0
Net Payable (Annual):
₹ 0
NATIONAL PARIVAR MEDICLAIM PLUS (NPMPP)
Sum Insured
*
Select SI
Zone
*
Zone I - Greater Mumbai Metropolitan area, entire state of Gujarat
Zone II – National Capital Territory (NCT) Delhi and National Capital Region (# NCR), Chandigarh, Pune
Zone III - Chennai, Hyderabad, Bangalore, Kolkata
Zone IV - Rest of India
Policy Term
1 Year
2 Yrs (4% Disc)
3 Yrs (7.5% Disc)
+
0
CI Cover (18+)
None
Continuity Years
1st Year
2nd Year
3rd Year
4+ Years
HTN Cover
DM Cover
CI SI cannot exceed Policy SI
CO-PAY, ADDONS & DISCOUNTS
+
OPTIONAL CO-PAYMENT
20% Co-Pay
10% Co-Pay
None
OPD Cover
None
2,000
3,000
4,000
5,000
10,000
15,000
20,000
25,000
Non-Med
Home-Care Treatment
None
No Claim Disc
Maternity Disc
Final Premium:
₹ 0
NATIONAL YOUNG INDIA MEDICLAIM PLUS (INDIVIDUAL)
Zone
*
Zone I – Delhi, National Capital Region (NCR), Mumbai, Mumbai Suburban, Thane and Navi Mumbai, Gujarat, Hyderabad, Chennai, Indore
Zone II – Rest of India
Policy Term
1 Year
2 Years
3 Years
+
Select SI
₹ 5,00,000
₹ 10,00,000
₹ 15,00,000
₹ 25,00,000
0
HTN
DM
Non-Med
INSTALLMENT FACILITY
None
Half-Yearly
Quarterly
Final Net Premium:
₹ 0
NATIONAL YOUNG INDIA MEDICLAIM PLUS (FLOATER)
Sum Insured
*
Select SI
₹ 5,00,000
₹ 10,00,000
₹ 15,00,000
₹ 25,00,000
Zone
*
Zone I – Metros/GUJ/Indore
Zone II – Rest of India
•
POLICY OPTIONS & OPTIONAL COVERS
Policy Term
1 Year
2 Years (3% Disc)
3 Years (6.25% Disc)
HTN
DM
Non-Med
INSTALLMENT MODE
None
Half
Qtr
Final Net Premium:
₹ 0
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