{"uin":"NICHLIP24127V012324","name":"National Young India Mediclaim Plus Policy","url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324","insurer":{"slug":"national-insurance","name":"National Insurance Company Limited","url":"https://indiainsurances.com/insurer/national-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"National Young India Mediclaim Plus Policy is an indemnity health insurance policy issued on Individual or Floater basis with ₹ 5L, 10L, 15L and 25L sum insured options. It has 30 days initial waiting, 36 months PED waiting, 45 days pre-hospitalisation, 60 days post-hospitalisation, Single AC room charges and actual ICU charges.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:52:47.538393+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Individual","Floater"],"display":"Individual and Floater","note":"These are policy bases shown in the table of benefits; no other named plan variants are stated.","quote":"Product Type | Individual and Floater","sources":[{"clause":null,"heading":"TABLE OF BENEFITS","page":25,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-table-of-benefits"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"1 year, 2 years or 3 years.","display":"1 year/ 2 years/ 3 years","note":null,"quote":"Policy Period | 1 year/ 2 years/ 3 years","sources":[{"clause":null,"heading":"TABLE OF BENEFITS","page":25,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-table-of-benefits"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For planned hospitalisation, inform at least seventy two (72) hours before admission. For emergency hospitalisation, inform within twenty four (24) hours of admission; this applies to both cashless and reimbursement claims.","display":"Planned: at least 72 hours before admission; emergency: within 24 hours of admission","note":null,"quote":"In the event of planned Hospitalisation | At least seventy two (72) hours prior to the Insured Person’s admission to Network Provider\nIn the event of emergency Hospitalisation | Within twenty four (24) hours of the Insured Person’s admission to Network Provider ... In the event of planned Hospitalisation | At least seventy two (72) hours prior to the Insured Person’s admission to Hospital\nIn the event of emergency Hospitalisation | Within twenty four (24) hours of the Insured Person’s admission to Hospital","sources":[{"clause":null,"heading":"6.18 Claim Procedure","page":21,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-6-18-claim-procedure"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Completed claim form","Medical practitioner’s prescription advising admission for inpatient treatment.","Cash-memo from the hospital (s)/chemist (s) supported by proper prescription from attending medical practitioner for Pre Hospitalisation, Hospitalisation and Post Hospitalisation.","Payment receipt, investigation test reports and associated plates/CDs in original, supported by the prescription from attending medical practitioner for Pre Hospitalisation, Hospitalisation and Post Hospitalisation.","Attending medical practitioner’s certificate regarding Diagnosis along with date of Diagnosis and bill, receipts etc.","Surgeon’s certificate regarding Diagnosis and nature of operation performed along with bills, receipts etc.","Bills, receipt, sticker of the Implants.","Bills, payment receipts, medical history of the patient recorded, discharge certificate/ summary, break up of final bill from the hospital etc.","Any other document required by Company/TPA."],"display":"Claim form, admission prescription, bills/receipts, investigation reports, diagnosis certificate, surgeon’s certificate, implant bills/stickers, discharge summary and any other document required by Company/TPA","note":"Additional documents are specified for Personal Accident and Domestic Travel claims.","quote":"i. Completed claim form\nii. Medical practitioner’s prescription advising admission for inpatient treatment.\niii. Cash-memo from the hospital (s)/chemist (s) supported by proper prescription from attending medical practitioner for Pre Hospitalisation, Hospitalisation and Post Hospitalisation.\niv. Payment receipt, investigation test reports and associated plates/CDs in original, supported by the prescription from attending medical practitioner for Pre Hospitalisation, Hospitalisation and Post Hospitalisation.\nv. Attending medical practitioner’s certificate regarding Diagnosis along with date of Diagnosis and bill, receipts etc.\nvi. Surgeon’s certificate regarding Diagnosis and nature of operation performed along with bills, receipts etc.\nvii. Bills, receipt, sticker of the Implants.\nviii. Bills, payment receipts, medical history of the patient recorded, discharge certificate/ summary, break up of final bill from the hospital etc.\nix) Any other document required by Company/TPA.","sources":[{"clause":null,"heading":"6.18.4 Documents","page":22,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-6-18-4-documents"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The Company shall settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is needed, it must complete investigation within 30 days and settle or reject within 45 days from receipt of the last necessary document, with interest at 2% above bank rate for delay.","display":"15 days from last necessary document; investigation cases within 45 days","note":null,"quote":"i) The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... iii) However, where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document. ... iv) In case of delay beyond stipulated 45 days, the Company shall be liable to pay interest to the policyholder at a rate 2% above the bank rate from the date of receipt of last necessary document to the date of payment of claim.","sources":[{"clause":"15(c)(i)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-15-c-i"},{"clause":"15(c)(iii)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-15-c-iii"},{"clause":"15(c)(iv)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-15-c-iv"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-Existing Diseases (Excl 01)","Specific disease/procedure waiting period (Excl 02)","First 30 days waiting period (Excl 03)","Investigation & Evaluation (Excl 04)","Rest Cure, Rehabilitation and Respite Care (Excl 05)","Obesity/ Weight Control (Excl 06)","Change-of-Gender Treatments (Excl 07)","Cosmetic or Plastic Surgery (Excl 08)","Hazardous or Adventure Sports (Excl 09)","Breach of Law (Excl 10)","Excluded Providers (Excl 11)","Drug/Alcohol Abuse (Excl 12)","Non Medical Admissions (Excl 13)","Unproven Treatments (Excl 16)","Treatment taken outside the geographical limits of India"],"display":"Waiting period exclusions plus Investigation & Evaluation, Rest Cure, Obesity/Weight Control, Change-of-Gender Treatments, Cosmetic or Plastic Surgery, Hazardous or Adventure Sports, Breach of Law, Excluded Providers, Drug/Alcohol Abuse, Non Medical Admissions, Unproven Treatments and treatment outside India","note":"Quoted from CIS because it gives the exclusion names in one place; the policy wording contains the detailed terms.","quote":"Waiting Period - Exclusions: a. Pre-Existing Diseases (Excl 01) b. Specified disease/procedure waiting period (Excl 02) c. First 30 days waiting period (Excl 03) General Exclusions: a. Investigation & Evaluation (Excl 04) b. Rest Cure, Rehabilitation and Respite Care (Excl 05) c. Obesity/ Weight Control (Excl 06) d. Change-of-Gender Treatments (Excl 07) e. Cosmetic or Plastic Surgery (Excl 08) f. Hazardous or Adventure Sports (Excl 09) g. Breach of Law (Excl 10) h. Excluded Providers (Excl 11) i. Drug/Alcohol Abuse (Excl 12) j. Non Medical Admissions (Excl 13) ... m. Unproven Treatments (Excl 16) ... t. Treatment taken outside the geographical limits of India","sources":[{"clause":"Row 6","heading":"Exclusion (what the policy does not cover)","page":2,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/13117#c-row-6"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First submit a written grievance to the Policy Issuing Office or the Grievance cell at the Regional Office. If it remains unaddressed, contact the Customer Relationship Management Dept., National Insurance Company Limited.","display":"Policy Issuing Office or Grievance cell at Regional Office; then Customer Relationship Management Dept.","note":null,"quote":"In case of any grievance related to the Policy, the insured person may submit in writing to the Policy Issuing Office or Grievance cell at Regional Office of the Company for redressal. If the grievance remains unaddressed, the insured person may contact Customer Relationship Management Dept., National Insurance Company Limited","sources":[{"clause":null,"heading":"7 REDRESSAL OF GRIEVANCE","page":24,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-7-redressal-of-grievance"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"₹ 5L, 10L, 15L and 25L Basic SI.","display":"₹ 5L, 10L, 15L, 25L","note":null,"quote":"Sum Insured | ₹ 5L, 10L, 15L, 25L (Basic SI)","sources":[{"clause":null,"heading":"TABLE OF BENEFITS","page":25,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-table-of-benefits"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply to accident claims, if covered.","quote":"a) Expenses related to the treatment of any illness within thirty (30) days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":null,"heading":"4.3. First 30 days waiting period (Excl 03)","page":16,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-4-3-first-30-days-waiting-period-excl-03"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Coverage after 36 months is subject to the PED being declared at application and accepted.","quote":"a) Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of thirty six (36) months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":null,"heading":"4.1. Pre-Existing Diseases (Excl 01)","page":15,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-4-1-pre-existing-diseases-excl-01"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 days; other tiers are one year, two years and three years","note":"90 days for lifestyle conditions; one year for listed ENT procedures; two years for listed conditions including cataract and hernia; three years for joint replacement, osteoarthritis/osteoporosis, obesity and complications, and specified stem cell therapy.","quote":"a) Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 90 days/ one year/ two year/ three years (as specified against specific disease/ procedure) of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident","sources":[{"clause":null,"heading":"4.2. Specific disease/procedure waiting period (Excl 02)","page":15,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-4-2-specific-disease-procedure-waiting-period-ex"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Hypertension and related complications","Diabetes and related complications","Cardiac conditions","Benign ENT disorders","Tonsillectomy","Adenoidectomy","Mastoidectomy","Tympanoplasty","Cataract","Calculus diseases","Benign prostatic hypertrophy","Hernia","Hydrocele","Fissure/Fistula in anus","Piles (Haemorrhoids)","Sinusitis and related disorders","Polycystic ovarian disease","Non-infective arthritis","Pilonidal sinus","Gout and Rheumatism","Surgery of genito-urinary system excluding malignancy","Surgery of gall bladder and bile duct excluding malignancy","Congenital Internal Anomaly (not applicable for new born baby)","Surgery for prolapsed intervertebral disc unless arising from accident","Surgery of varicose vein","Hysterectomy","Refractive error of the eye more than 7.5 dioptres","Joint replacement unless necessitated due to an accident","Osteoarthritis and osteoporosis","Obesity and its complications","Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered."],"display":"Hypertension, diabetes, cardiac conditions, listed ENT procedures, cataract, hernia, piles, sinusitis, arthritis, hysterectomy, joint replacement, osteoarthritis/osteoporosis, obesity and specified stem cell therapy, among others","note":null,"quote":"i) 90 Days Waiting Period (Life style conditions)\na) Hypertension and related complications\nb) Diabetes and related complications\nc) Cardiac conditions\nii. One year waiting period\na. Benign ENT disorders | b. Tonsillectomy\nc. Adenoidectomy | d. Mastoidectomy\ne. Tympanoplasty\niii. Two years waiting period\na. Cataract | b. Calculus diseases\nc. Benign prostatic hypertrophy | d. Hernia\ne. Hydrocele | f. Fissure/Fistula in anus\ng. Piles (Haemorrhoids) | h. Sinusitis and related disorders\ni. Polycystic ovarian disease | j. Non-infective arthritis\nk. Pilonidal sinus | l. Gout and Rheumatism\nm. Surgery of genito-urinary system excluding | n. Surgery of gall bladder and bile duct excluding\nmalignancy | malignancy\no. Congenital Internal Anomaly (not applicable for | p. Surgery for prolapsed intervertebral disc unless arising\nnew born baby) | from accident\nq. Surgery of varicose vein | r. Hysterectomy\ns. Refractive error of the eye more than 7.5 dioptres ... iv. Three years Waiting Period Following diseases shall be covered after three years of continuous cover from the inception of the Policy:\na) Joint replacement unless necessitated due to an accident\nb) Osteoarthritis and osteoporosis\nc) Obesity and its complications\nd) Stem Cell Therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.","sources":[{"clause":null,"heading":"4.2. Specific disease/procedure waiting period (Excl 02)","page":15,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-4-2-specific-disease-procedure-waiting-period-ex"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"60 continuous months","note":"For enhanced Basic Sum Insured, the 60 months applies from the date of enhancement for the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including Portability and Migration), no claim shall be contestable by the Company on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as Moratorium Period.","sources":[{"clause":null,"heading":"6.11 Moratorium Period","page":20,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-6-11-moratorium-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured can port the policy to other insurers by applying at least 15 days before, but not earlier than 60 days from, the policy renewal date. Continuity benefits for specific waiting periods, PED waiting period and Moratorium period are available to the extent of previous Sum Insured and accrued Cumulative Bonus.","display":"Can port to other insurers with continuity benefits","note":null,"quote":"The Insured Person will have the option to port the Policy to other insurers by applying to such Insurer to port the entire policy along with all the members of the family, if any, at least 15 days before, but not earlier than 60 days from the policy renewal date ... The proposed Insured Person will get all the accrued continuity benefits for specific waiting periods, waiting period for pre-\nexisting diseases and Moratorium period","sources":[{"clause":null,"heading":"6.8 Portability","page":20,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-6-8-portability"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, throughout the lifetime of the Insured Persons","note":"For covered children or siblings, renewal is stated as allowed till the Insured Person’s marriage.","quote":"The Policy can be renewed without break throughout the lifetime of the Insured Persons except for the covered Children or siblings, who can renew till the Insured Person’s marriage.","sources":[{"clause":null,"heading":"2.9 Renewal of Policy","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/13020#c-2-9-renewal-of-policy"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading shall apply on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"vi) No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":null,"heading":"6.9 Renewal of Policy","page":20,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-6-9-renewal-of-policy"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel at any time during the term by giving 7 days’ written notice. If no claim has been made for a term up to one year, proportionate premium for the unexpired period is refunded; for terms over one year, unexpired future policy years and the proportionate unexpired current policy year are refunded, with no refund for completed policy years and no refund if any claim has been admitted, lodged or any benefit availed.","display":"Proportionate refund for unexpired policy period if no claim; no refund where any claim has been admitted or lodged or any benefit availed","note":null,"quote":"ii) The policyholder may cancel his/her policy at any time during the term, by giving 7 days’ notice in writing. The Insurer shall:\na) refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period.\nb) refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced and refund proportionate premium for unexpired policy period for the current policy year. There shall be no refund for the completed policy year elapsed. Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed under the Policy.","sources":[{"clause":"15(d)(ii)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-15-d-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"All medical treatment for this policy must be taken in India only.","display":"India only","note":null,"quote":"All medical treatment for the purpose of this Policy will have to be taken in India only.","sources":[{"clause":null,"heading":"6.20 Territorial Limit","page":23,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-6-20-territorial-limit"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days from date of receipt of the policy document","note":"Applies on new individual health insurance policies, not on renewals or at porting/migrating; available for policies with term of one year or more.","quote":"The insured person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the policy.","sources":[{"clause":null,"heading":"6.14 Free Look Period","page":20,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-6-14-free-look-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"The Grace Period for payment of the premium shall be thirty days.","sources":[{"clause":"2.20","heading":"Grace Period","page":4,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-2-20"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The proposer’s entry age must be between 18 and 45 years, and the maximum entry age of any family member is 45 years. Children over 3 months may be covered for the first time if parent(s) are covered at the same time.","display":"Proposer: 18 to 45 years; any family member: maximum 45 years; children over 3 months if parent(s) covered","note":null,"quote":"i. Entry age of Proposer should be between eighteen (18) years and forty five (45) years.\nii. Maximum entry age of any family member is forty five (45) years. ... iv) Children over the age of three (03) months may be covered for the first time, provided parent(s) is/are covered at the same time.","sources":[{"clause":null,"heading":"2.2 Eligibility","page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/13020#c-2-2-eligibility"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["annually","half yearly","quarterly"],"display":"Annual, half yearly or quarterly","note":null,"quote":"As opted in the Proposal Form for Annual Policies only, Insured have the option to either pay the premium annually, or in half yearly or quarterly instalment as per factors provided in Rate Chart.","sources":[{"clause":null,"heading":"2.8 Payment of Premium","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/13020#c-2-8-payment-of-premium"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Waiting period waiver of pre-existing Diabetes and/or Hypertension","Non-Medical Expenses"],"display":"Waiting period waiver of PED Diabetes and/or Hypertension; Non-Medical Expenses add-on","note":null,"quote":"At the option of the Insured and on payment of additional premium the following covers shall be available to the Insured Persons during the Policy Period, provided the same is mentioned in the Policy Schedule. 3.3.1 Waiting period waiver of pre-existing Diabetes and/or Hypertension – Optional ... Add-on (cover available on payment of additional premium)\nNon-Medical Expenses | Up to 10% of Basic Sum Insured (excluding Cumulative Bonus, if any) of base Policy","sources":[{"clause":null,"heading":"3.3 OPTIONAL COVER","page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-3-3-optional-cover"},{"clause":null,"heading":"Others","page":25,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-others"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"For renewal, coverage is not available during the grace period. For premium payment in instalments, if the due instalment premium is paid within the grace period, coverage is available during the grace period.","display":"Renewal: no coverage during grace period; instalments: coverage available if paid within grace period","note":null,"quote":"In case of Premium payment in instalments, if the due instalment premium is paid within the Grace Period, coverage shall be available during the Grace Period. In case of Renewal, Coverage shall not be available during the period for which no premium is received.","sources":[{"clause":"2.20","heading":"Grace Period","page":4,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-2-20"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"Room Rent for base category single occupancy air-conditioned room available in the Hospital is payable.","display":"Single AC room charges, lowest single AC room category available in Hospital","note":"Table of benefits describes this as “Single AC room charges (i.e., lowest single AC room category available in Hospital)”.","quote":"Room Rent for base category single occupancy air-conditioned room available in the Hospital, shall be payable.","sources":[{"clause":"3.1.1.1","heading":"Limit for Room Rent and Intensive Care Unit Charges","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-3-1-1-1"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"quote-verified","value":"Base category single occupancy air-conditioned room available in the Hospital.","display":"Base category single occupancy air-conditioned room","note":null,"quote":"Room Rent for base category single occupancy air-conditioned room available in the Hospital, shall be payable.","sources":[{"clause":"3.1.1.1","heading":"Limit for Room Rent and Intensive Care Unit Charges","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-3-1-1-1"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"Intensive Care Unit Charges are payable up to the limit shown in the Table of Benefits; the table states actual ICU charges.","display":"Actual ICU charges","note":null,"quote":"Intensive Care Unit Charges per day shall be payable up to the limit as shown in the Table of Benefits. ... ICU Charges – Actual ICU charges","sources":[{"clause":"3.1.1.1","heading":"Limit for Room Rent and Intensive Care Unit Charges","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-3-1-1-1"},{"clause":null,"heading":"TABLE OF BENEFITS","page":25,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-table-of-benefits"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"quote-verified","value":"If admitted to a room of a higher category than the allowed limit, associated medical expenses are reduced in the same proportion as admissible room rent per day bears to actual room rent per day. Proportionate deduction does not apply if admitted to ICU.","display":"Yes, if a higher room category is used; not applicable in ICU","note":"Associated Medical Expenses exclude pharmacy and consumables, implants and medical devices, and diagnostics.","quote":"In case of admission to a room of category higher than the aforesaid limit, the reimbursement/payment of Associated Medical Expenses incurred at the Hospital, shall be effected in the same proportion as the admissible Room Rent per day bears to the actual Room Rent per day. Proportionate deduction shall not apply if admitted to ICU.","sources":[{"clause":"3.1.1.3","heading":"Treatment related to participation as a non-professional in hazardous or adventure sports","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-3-1-1-3"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"quote-verified","value":"Co-payment depends on the premium zone and treatment zone. Zone I premium allows treatment in Zone I and Zone II without copayment; Zone II premium allows treatment in Zone II without copayment, but Zone I treatment has 25% copayment.","display":"25% if Zone II premium and treatment in Zone I; otherwise no copayment for stated zone combinations","note":"Zone I is Delhi, NCR, Mumbai, Mumbai Suburban, Thane and Navi Mumbai, Gujarat, Hyderabad, Chennai and Indore; Zone II is rest of India.","quote":"Depending upon the zone for which premium has been paid and the zone where treatment has been taken, Copayment shall apply. ... i. Insured paying premium as per Zone I can avail treatment in Zone I, Zone II without copayment\nii. Insured paying premium as per Zone II\na) Can avail treatment in Zone II without any copayment\nb) Availing treatment in Zone I will be subject to a copayment of 25%","sources":[{"clause":null,"heading":"6.18.7 Classification of Zone and Copayment","page":23,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-6-18-7-classification-of-zone-and-copayment"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"quote-verified","value":"None.","display":"None","note":"CIS states deductible as none.","quote":"iii. Deductible iv. Any other limit | Trip cancellation & Indemnity Up to INR 1000 per Interruption trip Carrier Cancellation Benefit INR 1000 per trip (applicable only for air travel) Loss Of Checked-in Benefit INR 1000 per trip Baggage (applicable only for air travel) Compassionate Benefit INR 1000 per trip Allowance Depending upon the zone for which premium has been paid and the zone where treatment has been taken, Copayment shall apply. ... None None","sources":[{"clause":"Row 7","heading":"Waiting Period","page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/13117#c-row-7"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"quote-verified","value":["Cataract - Up to ₹ 40,000 per eye per year, Waiting Period 2 years","Expenses due to hazardous or adventure sports (non-professionals) – Up to 25% of SI","Maternity Cover (1 delivery/ termination, Waiting Period 2 years) – up to INR 30,000 (SI 5L), INR 40,000 (SI 10L), INR 50,000 (SI 15L/25L)","Infertility Cover - Up to INR 50,000 for SI 5/10/15L & Up to INR 75000 for SI 25L, Waiting period of 2 years, To be covered only once in a lifetime","Coverage for Modern Treatment (12 nos) – Subject to treatment wise limits and coverage"],"display":"Cataract up to ₹ 40,000 per eye per year; non-professional hazardous/adventure sports up to 25% of SI; maternity and infertility limits by SI; modern treatments subject to treatment-wise limits","note":"Modern treatment has detailed treatment-wise limits in clause 3.1.11.","quote":"Cataract - Up to ₹ 40,000 per eye per year, Waiting Period 2 years Coverage for Modern Treatment (12 nos) – Subject to treatment wise limits and coverage Expenses due to hazardous or adventure sports (non-professionals) – Up to 25% of SI ... Maternity Cover (1 delivery/ termination, Waiting Period 2 years) – up to INR 30,000 (SI 5L), INR 40,000 (SI 10L), INR 50,000 (SI 15L/25L) ... Infertility Cover - Up to INR 50,000 for SI 5/10/15L & Up to INR 75000 for SI 25L, Waiting period of 2 years, To be covered only once in a lifetime","sources":[{"clause":null,"heading":"TABLE OF BENEFITS","page":25,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-table-of-benefits"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":45},"display":"45 days immediately before hospitalisation","note":"Expenses must be for the same condition and the in-patient hospitalisation claim must be admissible.","quote":"The Company shall indemnify the Medical Expenses incurred up to forty five (45) days immediately before the Insured Person is hospitalised","sources":[{"clause":"3.1.2","heading":"Pre Hospitalisation","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-3-1-2"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 days immediately after discharge","note":"Expenses must be for the same condition and the in-patient hospitalisation claim must be admissible.","quote":"The Company shall indemnify the Medical Expenses incurred up to sixty (60) days immediately after the Insured Person is discharged from Hospital","sources":[{"clause":"3.1.3","heading":"Post Hospitalisation","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-3-1-3"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"Day Care Treatments requiring hospitalisation as an in-patient for less than 24 hours in a Hospital or Day Care Centre are covered, but not treatment in the outpatient department.","display":"Covered up to SI for Day Care Treatments requiring less than 24 hours; not OPD","note":null,"quote":"The Company shall indemnify the Medical Expenses (including Pre and Post Hospitalisation Expenses) for Day Care Treatments requiring Hospitalization as an In-Patient for less than 24 hours undergone by the Insured Person in a Hospital/ Day Care Centre, but not in the Outpatient department of a Hospital.","sources":[{"clause":"3.1.4","heading":"Day Care Procedure","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-3-1-4"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary Hospitalization is excluded.","display":"Not covered","note":null,"quote":"Any expenses incurred on Domiciliary Hospitalization and OPD treatment","sources":[{"clause":null,"heading":"5.23. Domiciliary Hospitalization & Out Patient Department (OPD) treatment","page":18,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-5-23-domiciliary-hospitalization-out-patient-dep"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"Inpatient Care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems is covered during each Policy Period up to the Sum Insured in any AYUSH Hospital.","display":"Covered up to Sum Insured in any AYUSH Hospital","note":null,"quote":"The Company shall indemnify Medical Expenses incurred for Inpatient Care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines during each Policy Period up to the limit of Sum Insured as specified in the Policy Schedule in any AYUSH Hospital.","sources":[{"clause":"3.1.5","heading":"AYUSH Treatment","page":7,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-3-1-5"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"quote-verified","value":"Modern Treatments are covered as In-Patient Care or Day Care Procedure where medically indicated, subject to treatment-wise limits. Covered treatments listed include UAE & HIFU, Balloon Sinuplasty, Deep Brain Stimulation, Oral Chemotherapy, Immunotherapy, Intravitreal injections, Robotic Surgery, Stereotactic Radio surgeries, Bronchial Thermoplasty, Vaporization of the prostrate, IONM and Stem cell therapy.","display":"Covered, subject to treatment-wise limits","note":"The clause gives different rupee limits by sum insured and treatment.","quote":"The Company shall indemnify the following Medical Expenses for Modern Treatments, incurred as In-Patient Care or Day Care Procedure (wherever medically indicated), subject to coverage of each Modern Treatment and maximum amount admissible as mentioned below:\nModern Treatment | SI INR 5,00,000 | SI INR 10,00,000 | SI INR 15,00,000 & INR 25,00,000 | Coverage\nUAE & HIFU ... Balloon Sinuplasty ... Deep Brain Stimulation ... Oral Chemotherapy ... Immunotherapy ... Intravitreal injections ... Robotic Surgery ... Stereotactic Radio surgeries ... Bronchial Thermoplasty ... Vaporization of the prostrate ... IONM ... Stem cell therapy","sources":[{"clause":"3.1.11","heading":"Modern Treatment","page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-3-1-11"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Road ambulance and transport to another Hospital or diagnostic center and return during the same hospitalisation are covered up to the Table of Benefits limit if an in-patient claim is admitted. Air Ambulance is also covered up to the Table of Benefits limit if prescribed by a medical practitioner; the table states Ambulance Charges up to ₹ 2,000 per year and Air Ambulance Charges up to ₹ 50,000 per year.","display":"Road ambulance up to ₹ 2,000 per year; air ambulance up to ₹ 50,000 per year","note":"Requires an admitted in-patient care claim; air ambulance must be prescribed by a medical practitioner.","quote":"Ambulance Charges – Up to max of ₹ 2,000 per year Air Ambulance Charges – Up to max of ₹ 50,000 per year ... The Company shall indemnify the expenses incurred for transportation to the Hospital or from the Hospital to another Hospital or from the Hospital to diagnostic center and return to the Hospital during the same Hospitalisation, up to the limit as shown in the Table of Benefits ... Air Ambulance Charges, shall also be payable up to the limit as shown in the Table of Benefits","sources":[{"clause":null,"heading":"TABLE OF BENEFITS","page":25,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-table-of-benefits"},{"clause":"3.1.6","heading":"Ambulance Charges","page":8,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-3-1-6"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"quote-verified","value":"If available Sum Insured is exhausted during the Policy Year because of hospitalisation claims, the exhausted Basic Sum Insured, excluding CB, is reinstated for subsequent hospitalisations in the same Policy Year. Reinstatement is allowed only once in the Policy Year and prior illness/injury claims are not covered under the reinstated sum insured.","display":"Base SI restored once upon exhaustion; not for prior illness/injury and not for defined 11 CIs","note":null,"quote":"In the event of available Sum Insured being exhausted anytime during the Policy Year on account of Hospitalisation claim(s), the Company shall reinstate the exhausted Basic Sum Insured (i.e., excluding any CB) to be utilized in any subsequent Hospitalisation(s) during the same Policy Year ... ii) Any Illness/ Injury for which a claim has been admitted or paid under the Policy prior to such reinstatement, shall not be considered under the Reinstated Basic Sum Insured ... iv) Reinstatement shall be allowed only once during the Policy Year of the Policy Period ... vi) Reinstated Basic SI shall not be applicable to 11 defined Critical Illnesses","sources":[{"clause":"3.2.1","heading":"Reinstatement of Basic Sum Insured","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-3-2-1"},{"clause":"3.2.1(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-3-2-1-ii"},{"clause":"3.2.1(iv)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-3-2-1-iv"},{"clause":"3.2.1(vi)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-3-2-1-vi"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"quote-verified","value":"For each claim-free Policy Year, Cumulative Bonus is 10% of Basic Sum Insured of the expiring Policy Year. If a claim is made in a Policy Year, accrued CB is reduced at the same rate; maximum CB is 40% of the Basic Sum Insured of the renewed Policy.","display":"10% of Basic SI per claim-free year, maximum 40%; reduced at same rate after a claim","note":"A Personal Accident Cover or Domestic Travel Cover claim only, without related hospitalisation, does not affect CB.","quote":"For each claim free Policy Year (i.e., no claims are reported by any Insured Person and admitted by the Company), Cumulative Bonus allowed shall be an amount equal to 10% of the Basic Sum Insured (excluding CB) of the expiring Policy Year. If a claim is made in any particular Policy Year, the CB accrued shall be reduced at the same rate at which it has accrued. ... Maximum CB shall not exceed 40% of the Basic Sum Insured of the renewed Policy.","sources":[{"clause":null,"heading":"3.4 GOOD HEALTH INCENTIVES","page":15,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-3-4-good-health-incentives"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"Base policy excludes listed non-medical items and states the listed expenses are not covered. An add-on for Non-Medical Expenses is available on payment of additional premium up to 10% of Basic Sum Insured, as part of the base policy Basic Sum Insured.","display":"Base policy excludes listed non-medical items; optional add-on pays Non-Medical Expenses up to 10% of Basic SI","note":"The add-on is not part of the base answer unless purchased.","quote":"List I – List of which coverage is not available in the policy ... Add-on (cover available on payment of additional premium)\nNon-Medical Expenses | Up to 10% of Basic Sum Insured (excluding Cumulative Bonus, if any) of base Policy and shall be part of the base Policy Basic Sum Insured (excluding Cumulative Bonus, if any).","sources":[{"clause":"Appendix I","heading":null,"page":26,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-appendix-i"},{"clause":null,"heading":"Others","page":25,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-others"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity expenses for a female insured person, including pre-natal and post-natal hospitalisation expenses per delivery and necessary vaccination for the newborn baby, are covered subject to the Table of Benefits limits after continuous cover of at least 24 months. The table states one delivery/termination, waiting period 2 years, up to INR 30,000 for SI 5L, INR 40,000 for SI 10L and INR 50,000 for SI 15L/25L.","display":"Covered after 24 months; up to INR 30,000 (SI 5L), INR 40,000 (SI 10L), INR 50,000 (SI 15L/25L) for 1 delivery/termination","note":"Excludes covered female insured persons below 18 years and above 45 years, and delivery or termination within the 24-month waiting period except stated accident-related waiver.","quote":"The Company shall indemnify Maternity Expenses as described below for any female Insured Person, and also Pre-Natal and Post- Natal Hospitalisation expenses per delivery, including expenses for necessary vaccination for the New Born Baby, subject to the limit as shown in the Table of Benefits. The female Insured Person should have been continuously covered for at least 24 months before availing this benefit: ... Maternity Cover (1 delivery/ termination, Waiting Period 2 years) – up to INR 30,000 (SI 5L), INR 40,000 (SI 10L), INR 50,000 (SI 15L/25L)","sources":[{"clause":"3.1.7","heading":"Maternity","page":8,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-3-1-7"},{"clause":null,"heading":"TABLE OF BENEFITS","page":25,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-table-of-benefits"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"The New Born Baby is automatically covered from birth under the Sum Insured available to the mother during the corresponding Policy Period up to 3 months of age. After attaining 3 months, the baby is covered only if specifically included mid-term and requisite premium is paid.","display":"Automatically covered from birth up to 3 months under mother’s available Sum Insured","note":null,"quote":"The New Born Baby shall be automatically covered from birth under the Sum Insured available to the mother during the corresponding Policy Period, for up to 3 months of age. On attaining 3 months of age, the New Born Baby shall be covered only if specifically included in the Policy mid-term and requisite premium paid to the Company.","sources":[{"clause":"3.1.7","heading":"Maternity","page":8,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-3-1-7"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"quote-verified","value":"In-patient treatment, pre-hospitalisation and post-hospitalisation expenses related to Mental Illnesses are covered, provided treatment is in a hospital with a specific department for Mental Illness under the specified qualified practitioner. Depression and schizophrenia are covered after a 2-year waiting period.","display":"Covered for in-patient mental illness treatment; depression and schizophrenia after 2 years","note":"Psychological counselling and psychotherapy not requiring hospitalisation are not covered.","quote":"The Company shall indemnify the Medical Expenses for In-patient Treatment, Pre-Hospitalisation expenses and Post- Hospitalisation expenses, related to Mental Illnesses, provided the treatment shall be undertaken at a Hospital with a specific department for Mental Illness ... Any treatment of the following Mental Illnesses shall be covered after Waiting Period of 2 years:\ni) Depression (ICD - F32; F33)\nii) Schizophrenia (ICD - F20; F21; F25)","sources":[{"clause":"3.1.10","heading":"Mental Illness Cover","page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-3-1-10"},{"clause":null,"heading":"Exclusions","page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-exclusions-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"OPD treatment is excluded.","display":"Not covered","note":null,"quote":"Any expenses incurred on Domiciliary Hospitalization and OPD treatment","sources":[{"clause":null,"heading":"5.23. Domiciliary Hospitalization & Out Patient Department (OPD) treatment","page":18,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-5-23-domiciliary-hospitalization-out-patient-dep"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility can be availed for treatment in Network Providers or any other provider if TPA service is opted, subject to pre-authorisation by the TPA. The updated network provider/PPN list is available on the Company and TPA websites mentioned in the schedule.","display":"Available if TPA service is opted; subject to TPA pre-authorisation","note":null,"quote":"Cashless Facility for treatment in Network Providers or any other provider can be availed, if TPA service is opted.\nii. Treatment may be taken in a network provider / PPN or any other provider and is subject to pre-authorisation by the TPA. Updated list of network provider/PPN is available on the website of the Company and the TPA mentioned in the schedule.","sources":[{"clause":null,"heading":"6.18.2 Procedure for Cashless Claims","page":21,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-6-18-2-procedure-for-cashless-claims"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims may be processed by the TPA if TPA service is opted, or by the Company if claim is processed by the Company. TPA services include pre-authorisation of cashless treatment or processing claims, but do not include claim settlement or claim rejection.","display":"TPA if opted, otherwise Company; TPA does not settle or reject claims","note":null,"quote":"the Insured Person/Insured Person’s representative shall notify the TPA (if claim is processed by TPA)/Company (if claim is processed by the Company) ... Servicing of claims, i.e., claim admissions and assessments, under this Policy by way of pre-authorization of cashless treatment or processing of claims other than cashless claims or both ... The services offered by a TPA shall not include\ni) Claim settlement and claim rejection;","sources":[{"clause":null,"heading":"6.18 Claim Procedure","page":21,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-6-18-claim-procedure"},{"clause":null,"heading":"6.18.6 Services Offered by TPA","page":23,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930#c-6-18-6-services-offered-by-tpa"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, Floater Basis with common Basic Sum Insured and Cumulative Bonus","note":"Minimum 2 insured persons are required on Floater Basis.","quote":"Policy can be issued on\ni) Individual Basis (i.e., separate Basic Sum Insured and Cumulative Bonus shall apply on each Insured Person) or\nii) Floater Basis (i.e., common Basic Sum Insured and Cumulative Bonus shall apply on all Insured Persons)","sources":[{"clause":null,"heading":"2.1 Type of Policy","page":9,"url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/13020#c-2-1-type-of-policy"}],"law":[]}],"documents":[{"kind":"wording","label":"NYIMPP Wordings","pages":27,"fetched_at":"2026-10-17 19:54:40+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-06/NYIMPP%20Wordings.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/12930"},{"kind":"prospectus","label":"NYIMPP Prospectus","pages":27,"fetched_at":"2026-10-17 19:57:24+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-06/NYIMPP%20Prospectus.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/13020"},{"kind":"cis","label":"NYIMPP CIS","pages":8,"fetched_at":"2026-10-17 20:00:15+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NYIMPP%20CIS_1.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/13117"},{"kind":"premium","label":"NYIMPP Rate Chart","pages":null,"fetched_at":"2026-10-17 19:50:28+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NYIMPP%20Rate%20Chart_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/30356"},{"kind":"proposal","label":"NYIMPP Proposal","pages":null,"fetched_at":"2026-10-17 19:59:28+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NYIMPP-Proposal_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/30374"},{"kind":"claim-form","label":"NYIMPP Claim Form","pages":null,"fetched_at":"2026-10-17 20:00:40+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NYIMPP%20Claim%20Form_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324/document/30387"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"National Insurance official website","url":"https://nationalinsurance.nic.co.in","note":"Website as listed by IRDAI. Not checked: the site could not be reached from our crawler on 2026-10-19 (connection or TLS error)."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"National Young India Mediclaim Plus Policy (UIN NICHLIP24127V012324), IndiaInsurances, https://indiainsurances.com/policy/national-insurance/national-young-india-mediclaim-plus-policy-nichlip24127v012324"}