National Insurance Mediclaim Premium Chart 2025

What is National Insurance Mediclaim?

National Insurance Mediclaim is a health insurance policy that covers hospitalization expenses, doctor’s fees, diagnostic tests, and more. It helps individuals and families manage unexpected medical costs without financial stress.

Factors Affecting Premium Rates

The premium you pay for a mediclaim policy depends on several factors:

• Age of the Insured: Older individuals have higher premium rates.
• Sum Insured: Higher coverage leads to higher premiums.
• Policy Type: Individual or family floater plans have different costs.
• Pre-existing Conditions: If you have existing illnesses, the premium may be higher.
• Coverage Benefits: Additional benefits like maternity cover, critical illness, or wellness programs can increase the premium.

National Health Insurance Mediclaim plans have affordable premiums. These premiums are calculated on different parameters. The parameters include the following –

• The health insurance plan is chosen. Since the coverage features are different in each plan, the premium rates are different too. Therefore, the plan which is to be bought determines the premium calculated
• Age of the insured. Premium charts are made based on the age of the insured member
• The number of members covered. Premium rates increase if family members are included in the cover. There are separate premium charts for covered family members
• Sum insured required. Premium rates are based on the different sum insured levels. Higher the sum insured higher would be the premium
• Plan tenure. If a longer duration is selected, premium discounts might be available which reduce the premium mentioned in the chart
• Other loadings or discounts. Adjustments can be made with the applicable loadings and discounts mentioned in the plan depending on the medical health of the insured and other deciding factors.

These factors help in the determination of the premium chart and the actual premium charged by the plan. The premium chart is prepared using age and sum insured as the two main variables while the actual premium depends on the above-mentioned factors too. The premium chart is available with the company and can be found online.

National Insurance Mediclaim Premium Chart 2025

The premium rates for National Insurance Mediclaim vary based on the coverage amount and the age of the insured. Below is an estimated premium chart for reference:

Age Group	Sum Insured (₹3 Lakh)	Sum Insured (₹5 Lakh)	Sum Insured (₹10 Lakh)
18-30 Years	₹3,000 - ₹5,000	₹5,500 - ₹7,500	₹9,000 - ₹12,000
31-45 Years	₹4,500 - ₹6,500	₹7,000 - ₹9,500	₹12,500 - ₹15,500
46-60 Years	₹6,500 - ₹9,500	₹10,000 - ₹14,500	₹17,000 - ₹22,500
61+ Years	₹10,000 - ₹15,000	₹15,500 - ₹22,500	₹25,000 - ₹35,000

Note: The above premium rates are indicative and may vary based on the policy terms and conditions.

Key Benefits of National Insurance Mediclaim

1. Cashless Treatment: Get treatment at network hospitals without upfront payment.
2. Pre & Post-Hospitalization Cover: Covers medical expenses before and after hospitalization.
3. Tax Benefits: Get tax deductions under Section 80D of the Income Tax Act.
4. No Claim Bonus: If you do not make a claim in a year, you may get a discount on renewal premiums.
5. Daycare Procedures Coverage: Covers short-term treatments that do not require 24-hour hospitalization.

How to Choose the Best Plan?

• Assess your medical needs and select a suitable sum insured.
• Compare premium rates and coverage options before purchasing.
• Check the list of network hospitals for cashless treatment.
• Read the policy terms, including waiting periods and exclusions.
• Look for additional benefits like OPD cover, wellness programs, and critical illness coverage.