National Young India Mediclaim Plus Policy Review

Overview

National Young India Mediclaim Plus is a health insurance plan with sum insured options from ₹5 lakh to ₹25 lakh and entry up to age 45.

Key Specifications

Plan Type: Available on an individual or family floater basis.
Room & Hospitalization: Covers the lowest available single-occupancy AC room, with 45 days of pre-hospitalization and 60 days of post-hospitalization expenses.

Core Benefits & Inbuilt Covers

Additional Benefits: Includes built-in benefits like maternity, newborn, surrogacy, infertility, personal accident, domestic travel, adventure sports, and specified modern treatment benefits, subject to policy limits.

Important Waiting Periods & Exclusions

Waiting Periods: The policy has a 30-day initial waiting period, 36 months for pre-existing diseases, 24 months for maternity and infertility, and 90 days to 4 years for specified illnesses.
Exclusions: Routine outpatient treatment and domiciliary hospitalization are not covered.

Financial Rewards & Flexibility

Discounts & Payments: Offers direct, wellness, and multi-year discounts with half-yearly and quarterly payment options.

What makes the National Young India Mediclaim Plus policy different from a standard health insurance plan?

Apart from hospitalization cover, it includes benefits for maternity, infertility treatment, personal accidents, and certain adventure sports, with sum insured options up to ₹25 lakh. But there are trade-offs too, including room restrictions, treatment-specific sub-limits, and a limited restoration benefit.

So, is the National Young India Mediclaim Plus policy worth considering? This review looks at its features, premiums, exclusions, insurer performance, and key drawbacks.

What Is the National Young India Mediclaim Plus Policy?

The Young India Mediclaim Plus Policy is both an indemnity and benefit-based health insurance plan from National Insurance, a Government of India-owned general insurer established in 1906.

Key Details of National Young India Mediclaim Plus

Parameter	Details
Policy Type	Individual and family floater
Base Sum Insured (SI) Options	₹5 lakh, ₹10 lakh, ₹15 lakh, and ₹25 lakh
Adult Entry Age	18 to 45 years
Child Entry Age	Above 3 months, provided the parent is also covered
Family Coverage	Proposer, spouse, and up to 3 biological or legally adopted children
Policy Tenure	1, 2, or 3 years
Room & ICU Eligibility	Lowest available single-occupancy AC room and ICU charges covered at actuals
Co-Payment	Zone II policyholders opting for treatment in Zone I are subject to a 25% co-payment
Sub-Limits	The policy also includes specific sub-limits for certain treatments, including cataract and modern procedures
Pre- and Post-Hospitalization	45 days before and 60 days after hospitalization
Day Care & AYUSH	Covered up to the sum insured
Waiting Periods	The initial waiting period is 30 days. The Pre-Existing Diseases (PED) waiting period is 36 months. Maternity and infertility each have a 24-month waiting period. Specified illnesses have waiting periods ranging from 90 days to 3 years.

Other Built-In Benefits

The policy also includes a few standard hospitalization benefits with specific limits and conditions:

Cumulative Bonus

The basic sum insured increases by 10% for every claim-free year, up to a maximum increase of 40%.

Restoration Benefit

The basic sum insured is restored once per policy year after the available cover is exhausted. The restored amount can be used only for a subsequent hospitalization and cannot be used for certain specified critical illnesses.

Ambulance Cover

Road ambulance expenses are covered up to ₹2,000 per policy year, while air ambulance expenses are covered up to ₹50,000 per policy year.

Key Features of National Young India Mediclaim Plus

National Young India Mediclaim Plus includes a few benefits that are unusual for a standard hospitalization policy, but several have waiting periods, sub-limits, or other conditions.

Maternity, Newborn, Surrogacy, and Infertility Cover

The policy covers maternity, surrogacy, and infertility treatment after a 24-month waiting period.

Benefit	Coverage
Maternity	₹30,000 for ₹5 lakh SI, ₹40,000 for ₹10 lakh SI, and ₹50,000 for ₹15 lakh or ₹25 lakh SI.
Surrogacy	The surrogate mother’s maternity expenses are covered up to the applicable maternity limit. Eligible non-delivery surrogacy expenses are also covered, subject to policy conditions.
Newborn	Covered from birth up to 3 months under the mother’s available sum insured.
Infertility Treatment	Up to ₹50,000 for ₹5 lakh, ₹10 lakh, and ₹15 lakh SI. Up to ₹75,000 for ₹25 lakh SI.

Important Limits on Maternity and Infertility Benefits

Maternity covers eligible childbirth, cesarean delivery, lawful medical termination of pregnancy, and eligible pre- and post-natal hospitalization expenses.
Only one admissible delivery or termination claim is allowed under the policy and its renewals.
Infertility treatment is limited to one claim during the insured person’s lifetime.
Infertility diagnostic tests and storage of sperm, eggs, or embryos are not covered.

Personal Accident Cover

The policy includes an inbuilt personal accident benefit for accidental death, permanent total disability, and specified permanent partial disabilities.

Under an individual policy, the benefit applies separately to each insured person.
Under a family floater, it applies only to the proposer.
The maximum benefit is linked to the basic sum insured.

Cover for Non-Professional Adventure Sports

Another unusual feature is coverage for hospitalization arising from non-professional participation in hazardous or adventure sports.

The benefit is limited to 25% of the sum insured. Professional participation in activities such as mountaineering, rafting, motor racing, scuba diving, and similar sports remains excluded.

Domestic Travel Cover

The policy also includes limited domestic travel benefits for eligible trips made through common carriers such as flights, trains, and buses.

For example, it pays ₹1,000 for a flight delay of more than 12 hours and up to ₹2,000 for repatriation of mortal remains. Similar small benefits are available for trip cancellation, airline cancellation, loss of checked-in baggage, and compassionate allowance.

The limits are modest, so treat this as an additional benefit rather than a substitute for dedicated travel insurance. You can check the complete list of benefits and conditions in the National Young India Mediclaim Plus prospectus.

Modern Treatments

National Young India Mediclaim Plus covers 12 specified modern treatments, including robotic surgery, oral chemotherapy, immunotherapy, deep brain stimulation, and stereotactic radiosurgery.

However, these treatments come with separate limits. For a ₹15 lakh or ₹25 lakh sum insured, some examples are:

Treatment	Limit
Robotic Surgery	₹3 lakh per hospitalization
Deep Brain Stimulation	₹3.5 lakh per hospitalization
Immunotherapy	₹2.5 lakh per hospitalization and 50% of the sum insured during the policy period
Oral Chemotherapy	₹1 lakh per hospitalization and 50% of the sum insured during the policy period
Stereotactic Radiosurgery	₹3.5 lakh for the radiation procedure

For the complete list of modern treatments, their limits, and what each limit applies to, you can refer to the National Young India Mediclaim Plus policy wording.

Optional Waiting-Period Waiver

For an additional premium, National Insurance lets eligible buyers waive the waiting period for pre-existing diabetes and/or hypertension from the policy start date.

The waiver does not cover related complications of diabetes or hypertension that already exist when the policy is issued.

Non-Medical Expenses Cover

Consumables and other eligible non-medical expenses are not covered by default. However, you can opt for an add-on that covers eligible non-medical expenses up to 10% of the basic sum insured, within the existing sum insured.

National Young India Mediclaim Plus Sample Premium Illustration

Profiles	National Young India Mediclaim Plus
(Individual Plan): Age 25	₹10,319
(Family Floater, 2A): Ages (31, 32)	₹15,135
Family Floater (2A): Ages 42, 43	₹25,799
(Family Floater, 2A 1C): Ages (35, 34, 5)	₹17,327

Note: Here, A stands for adult and C for child(ren). The rates above are taken from National Insurance’s official National Young India Mediclaim Plus rate chart. These are indicative annual base premiums for Delhi under Zone I with a ₹15 lakh sum insured. Premiums may also vary based on underwriting, optional covers, and applicable discounts.

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National Insurance: Performance Metrics

Metrics (FY 2024-26)	National Insurance	Industry Average
Claim Settlement Ratio (CSR)	93.76%	92.02%
Incurred Claims Ratio (ICR) (Average FY 2023–25)	96.41%	81.88%
Complaints Volume per 10,000 Claims	39.13	29.35
Annual Business Volume (In Crore)	₹8,282	₹4,504
Network Hospitals	5300+	10,000+ (Benchmark)

Source: This information is sourced from the IRDAI annual reports and National Insurance public disclosures. For more data on other insurers, explore Ditto Data Lab.

What Is Not Covered Under National Young India Mediclaim Plus?

Some key exclusions under the policy include:

Diagnostic-only or non-medically necessary hospitalizations.
Cosmetic procedures and change-of-gender treatments.
Treatment related to alcohol or substance abuse.
Professional participation in hazardous or adventure sports.
Self-inflicted injuries and treatment outside India.

This is not an exhaustive list. For all exclusions and applicable conditions, refer to the National Young India Mediclaim Plus policy PDF.

Pros & Cons of National Young India Mediclaim Plus

Pros	Cons
Offers inbuilt benefits such as maternity, newborn, surrogacy, and infertility cover.	Limited sum insured options and a smaller network hospital range.
Covers non-professional adventure sports up to 25% of the sum insured and also includes personal accident and limited domestic travel benefits.	The policy allows only the lowest single-occupancy AC room. Choosing a higher room category can lead to proportionate deductions on medical expenses.
Premiums are relatively competitive for younger buyers, especially for ₹15 lakh and ₹25 lakh coverage.	Cataract and several modern treatments come with separate component-wise or treatment-wise sub-limits.
	Zone II policyholders face a 25% co-payment if they take treatment in Zone I.

Is National Young India Mediclaim Plus Worth Buying?

The policy may be worth considering if you:

Are under 45 and specifically prefer a PSU insurer.
Want a ₹15 lakh or ₹25 lakh health cover at a relatively competitive premium.
Value inbuilt benefits such as maternity, infertility, personal accident, and non-professional adventure sports cover.
Have pre-existing diabetes or hypertension and qualify for the optional waiting-period waiver.
Have your preferred hospitals within National Insurance Co’s cashless network.

You may be better off considering other plans if you:

Want higher sum insured options and bonuses.
Want unrestricted room eligibility or stronger restoration benefits.
Prefer a plan with a much larger cashless hospital network and no sub-limits.
Want maternity coverage with substantially higher limits.
Prefer an insurer with stronger overall operating metrics.

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Conclusion

National Young India Mediclaim Plus is a fairly feature-rich option for younger buyers, with benefits such as maternity, infertility treatment, personal accident cover, adventure-sports coverage, and competitive premiums. It is also a meaningful step up from some of National Insurance Co’s more basic health plans.

However, the policy has important limitations, including restricted room eligibility, a relatively weak restoration benefit, treatment-specific sub-limits, a 25% zone-based co-payment in certain cases, and a smaller cashless hospital network. National Insurance Co’s high ICR and complaint levels are additional concerns.

So, while the plan can work for buyers who specifically prefer National Insurance Co or find its pricing attractive, it would not be our first choice for primary long-term health insurance. Before buying, compare it with the best health insurance plans in India to see how it stacks up against stronger alternatives.

Frequently Asked Questions

What age group is the National Young India Mediclaim Plus Policy designed for?

The policy is designed for younger individuals and families. The proposer must be between 18 and 45 years old at entry, while other family members can enter up to age 45. Children above 3 months can also be covered when a parent is insured under the policy. Existing adult policyholders can continue renewing the policy after age 45, subject to renewal terms.

How does National Young India Mediclaim Plus differ from the standard National Mediclaim Policy?

National Young India Mediclaim Plus offers a broader set of benefits, including maternity, infertility treatment, personal accident cover, domestic travel benefits, adventure-sports coverage, cumulative bonus, and sum insured reinstatement. It also offers sum insured options up to ₹25 lakh. The standard National Mediclaim Policy has a more basic hospitalization structure and does not include several of these additional benefits.

Does National Young India Mediclaim Plus cover daycare procedures?

Yes. Daycare treatments are covered up to the available sum insured when they require hospitalization for less than 24 hours due to medical advancements. This includes eligible procedures that would otherwise have required a longer hospital stay.

What is the waiting period for pre-existing diseases under this policy?

The waiting period for pre-existing diseases is 36 months of continuous coverage. After this period, declared and accepted pre-existing conditions become eligible for coverage according to the policy terms. If you increase the sum insured later, the waiting period applies afresh to the increased portion.

Can I get a sum insured reinstatement benefit with National Young India Mediclaim Plus?

Yes. The policy reinstates the basic sum insured once per policy year after the available sum insured is exhausted. The restored amount becomes available only for a subsequent hospitalization. You can't use it for an illness or injury already claimed before reinstatement, and it doesn't apply to 11 specified critical illnesses.

Is National Young India Mediclaim Plus a good first health policy for someone in their 20s?

It can work for someone in their 20s who wants a relatively affordable policy with maternity, infertility, personal accident, and adventure-sports benefits. However, the lowest single-occupancy AC room restriction, limited restoration, treatment-specific sub-limits, and smaller cashless hospital network reduce its appeal as a long-term primary policy. Compare these restrictions with other comprehensive health plans before deciding, especially if strong hospitalization coverage is your priority.

Last updated on: 6 Sep, 2026

National Young India Mediclaim Plus Policy: Full Review