National
Mediclaim Plus
Plan & insurer snapshot
✅ Claims (No.)
80.85%
Latest disclosed settlement ratio by number of claims.
❌ Rejection Ratio
9.72%
Lower is generally better for policyholders.
🏥 Cashless Hospitals
12,000+
Reported size of network hospitals.
💬 Complaints
0.29%
Complaint incidence on claims experience.
✨ Expert Verdict
Mediclaim Plus is a health insurance plan from National. Review policy wording and add-on details before final purchase.
Pros
- Modern treatment procedures are covered.
- Day-care procedures are included in coverage.
Cons
- Co-pay applies on claims.
- Disease-wise sub-limits apply on select treatments.
- No refill on exhaustion in the base plan.
- Premium positioning is on the expensive side.
Key Features
Room Rent
1% of the sum insured
Co-Pay
Yes
Disease Sub-limit
Yes
Pre-Hospitalisation
30 days (Covered up to: sum insured)
Post-Hospitalisation
60 days (Covered up to: sum insured)
Refill Trigger
No
Waiting Periods
Initial Waiting Period
30
Specific Disease Waiting
4
Pre-existing Disease Waiting
3