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National Health Insurance is one of the oldest insurance companies in India. The National Insurance Company Limited understand the need for insurance and expectations of a consumer. Headquarter of the National Insurance Company Limited is in Kolkata and founded in 1906. It was nationalised in the year 1972. National Insurance Company Limited (NICL) started its operation with 14902 skilled employees and 1998 offices all across India.
National Insurance Company Limited is fully owned by the Government of India and it offers a wide range of general insurance plans that are customised for the varied and unique needs of individuals, families, senior citizens, etc. Every plan of National Health Insurance covers the basic necessities such as the in-patient hospitalisation, day care treatment and considers a plethora of other medical expenses to the insured. Premium payments made towards a National Health Insurance plan by the policyholder attracts tax deduction as per Section 80D of the Income Tax Act, 1961.
|Pre-existing Diseases||Covered after a waiting period of 4 years|
Following are various types of the National Health Insurance that one can opt for, as per requirement.
Medical expenses are skyrocketing and one find it really hard to afford good medical care in India. But, these expenses are unavoidable and one has to bear it all when they knock at the doorstep. Thanks to health insurance, this tough journey of medical emergencies has become much easier. National Mediclaim Policy covers the hospitalization expenses in a reasonably, systematically and necessarily incurred for treatment of illness/disease or injury contracted/sustained by the insured persons during the policy period.
Benefits and Features of the National Individual Personal Accident Policy
Eligibility of the National Mediclaim Policy
National Mediclaim Policy is available to persons between minimum age of 18 and a maximum of 65 years. Dependent parents of the insured can also be covered with the family. Dependent children between the ages of 3 months and 18 years can also be covered under the policy provided at least one of the parents is covered under the National Mediclaim Policy at the same time.
|Sum Assured||Rs.50,000 to Rs.5 lakhs|
|Medical Screening||Not required up to age 50 years.|
|Renewability Age||No Limits|
|Free Look||15 days|
Exclusions of the National Mediclaim Policy
You can take care of your loved ones only when you are taking care of yourself. National Mediclaim Plus Policy ( Individual Plan )ensure that you take care of your medical expenses in a broader way in a reasonable, customary and systematically manner. National Mediclaim Plus Policy ( Individual Plan ) has three variants –
Benefits and features of the National Mediclaim Plus Policy ( Individual Plan )
Eligibility of the National Mediclaim Plus Policy ( Individual Plan )
National Mediclaim Plus Policy ( Individual Plan ) can be availed by an individual between the minimum age of 18 and a maximum of 65 years. Dependent parents of the insured can also be covered with the family. Dependent children between the ages of 3 months and 18 years can also be covered under the policy provided at least one of the parents.
|Sum Assured||Rs.2 lakhs to Rs.50 lakhs|
|No claim Bonus||upto 50 percent.|
|Cash allowance||Upto 5 days of Hospitalization|
Exclusions of the National Mediclaim Plus Policy ( Individual Plan )
What can be best then a health insurance plan that covers the whole family in a single Sum Insured, for In-patient treatment expenses?
Benefits and Features of the Parivar Mediclaim Policy for family (floater Policy)
One has to go through pre policy check up under the following conditions
Following is the test/ Reports the tone need to submit under the Parivar Mediclaim Policy for family (floater Policy)
Note: The date of medical reports should not exceed 30 days prior to the date of the proposal. 50% of the expenses incurred for pre policy check-up shall be reimbursed if the proposal is accepted. One needs to check the Terms and conditions properly.
Eligibility of the Parivar Mediclaim Policy for family (floater Policy)
Parivar Mediclaim Policy for family (floater Policy)) can be availed by an individual between minimum age of 18 and a maximum of 65 years. Dependent children between the ages of 3 months and 18 years can also be covered under the policy provided at least one of the parents.
|Sum Assured||Rs.2 lakhs to Rs.5 lakhs|
|No claim Bonus||upto 50 percent.|
|Renewal||Upto 65 years of age|
|Pre & post hospitalization||15 & 30 days respectively|
|Extra Cover||Diabetes and Hypertension cover|
Exclusions of the Parivar Mediclaim Policy for family (floater Policy)
When you are in India, at least you can hope that by any chance someone, some friend or relative will come as a helping hand in the hour of need during a medical emergency. But, when you are travelling overseas, there is no one to look upon in any type of emergency. We all plan beforehand about our travel plans and business trips, remember to keep our important stuff, but, during sudden medical emergencies, everything is just useless. Along with the disease/ illness, this dilemma of where to go, which hospital to look for, currency and etc., gives a big headache to the person.
Overseas Mediclaim Business and Holiday Policy is designed just for the same medical emergency overseas, while one is travelling or out for work. Overseas Mediclaim Business and Holiday cover the illness, repatriation, medical evacuation and that starts from 50000 USD to 500000 USD faced by policyholder abroad.
National Overseas Mediclaim Business and Holiday Policy is available for three categories of travellers-
Features and benefits of the Overseas Mediclaim Business and Holiday Policy
Note – If any traveller who is over 70 years of age and travelling above 60 days of the journey then he/ she have to submit the following Medical reports (from an MD Cardiologist) along with the proposal form:
In case of travellers unable to submit the above Medical reports cover stands restricted to USD 10,000.
|Extra Cover||Personal accident and disablement|
Exclusions of Overseas Mediclaim Business and Holiday Policy
National Parivar Mediclaim Policy is an effective health insurance policy that offers coverage to the self, dependent children, spouse and parents as well under one sum insured.
Features and Benefits of the National Parivar Mediclaim Policy
|Sum insured option||INR 1 Lac to 10 Lac in multiples of 1,00,000|
|Who can be covered||Family including Self, Spouse, dependent children & Parents|
|Policy period||Min – 1 year, Max – 3 year|
Exclusions of the National Parivar Mediclaim Policy
National Parivar Mediclaim plus Policy is a comprehensive health insurance policy that offers coverage to self, children,spouse, and parents/parents-in-law under one sum insured. The National Parivar Mediclaim Plus policy can be a renewed lifetime.
National Parivar Mediclaim Plus policy offers three variants namely
Benefits and Features of National Parivar Mediclaim Plus variants are as following
|PLAN A||PLAN B||PLAN C|
|Sum Insured/ Coverage option||Rs.6/7/8/9/10 lakh||Rs.15/20/25 lakh||Rs.30/40/50 lakh|
|Hospital cash benefit (per insured person, per day )||INR 500, max. of 5 day||INR 1,000, max. of 5 day||INR 2,000, max. of 5 days|
|Domiciliary treatment||Up to INR 1,00,000||Up to INR 2,00,000||Up to INR 2,00,000|
|Maternity, Newborn baby cover||Up to INR 30,000 for normal delivery and INR 50,000 for caesarean section||Actual||Actual|
|Infertility treatment Cover||Up to INR 50,000||Up to INR 1,00,000||Up to INR 1,00,000|
|Ambulance expenses (per insured person, in a policy year)||Up to INR 2,500||Up to INR 4,000||Up to INR 5,000|
|Air Ambulance expenses||Not covered||Up to 5% of Sum Insured||Up to 5% of Sum Insured|
|Policy Tenure||Minimum – 1 year and Maximum – 3 years||Minimum – 1 year and Maximum – 3 years||Minimum – 1 year and Maximum – 3 years|
Exclusions of National Parivar Mediclaim plus policy
Every illness has a different treatment process and it has a different set of, medication rules to follow. There are many diseases which are not covered under the basic health insurance policies of various providers and require different health insurance plan to get assistance and expense cover. Critical illness requires different Critical Illness policy cover that secures the individual when he/ she suffers from any critical illness.
National Critical Illness Policy cover the cost of treatment as well as the expensive recovery process associated with these critical illnesses. National Critical Illness Policy is one of its kind critical illness insurance policies that cover expenses in the event the insured person is affected with any of the listed critical illnesses.
National Critical Illness Policy offers two types of Plans for the critical illness cover
Plan A – Under this 11 Critical Illnesses are covered.
Plan B – Under this 37 Critical Illnesses (including Plan A covered illness) are covered.
National Critical Illness policy includes the following illness/ surgeries, depending on the plan opted.
Benefits and features of the National Critical Illness Policy
Eligibility of National Critical Illness policy
The proposer should be a minimum of age eighteen (18) years and maximum eligibility age is sixty-five (65) years. Children between the age of five (5) years and eighteen (18) years may be covered, provided parent(s) is/are covered concurrently. Critical Illness Health Policy can be availed for self and the following family members, Spouse, any Dependent legitimate or legally adopted children, up to twenty-five (25) years of age.
|Sum Insured||1 lac to 75 lacs|
|Dependent children cover||Upto 25 years|
|Early Entry Discounts||Available|
Exclusions of the National Critical Illness Policy
National Overseas Mediclaim Employment and studies plan is available for three categories of travellers
|Worldwide Incl. |
|Worldwide Incl. |
|Section – 1 A, illness||1,50,000||1,50,000||5,00,000|
|Section – 1B |
|Section – 1 C |
|Section – 1 D |
Medical Emergency reunion
|Section – II |
|USD 750 for each month of study completed||USD 750 for each month of study completed||USD 750 for each month of study completed|
Features and Benefits of National Overseas Mediclaim Employment and studies plan
Eligibility of National Overseas Mediclaim Employment and studies Plan
Citizens of India, Nepal or Bhutan who are going abroad for a holiday or some business purpose or any Foreign Nationals working in India for Indian employers of multinational organizations getting salary in Indian Rupees.
|Extra Cover||Personal accident and disablement|
Exclusions of the National Overseas Mediclaim Employment and studies
Senior citizens are the most important part of our society. Their experience helps society to grow in every aspect. And along with that, they become weak and more prone to health problems. Their treatment cost also gets high. That is why health insurance becomes very important. National Varistha Mediclaim Policy for Senior Citizen is specially designed for senior citizens between the age group of 60 years to 80 years. This policy renewal is available up to the age of 90 years.
Features and benefits of National Varistha Mediclaim Policy for Senior Citizen
|Entry Age||60 years – 80 years|
|Renewability||Upto 90 years of age.|
|Sum Insured||Rs.1,00,000 for hospitalisation and Rs.2,00,000 for Critical illness cover|
|Policy Period||1 year|
Exclusions of the National Varistha Mediclaim Policy for Senior Citizen policy
Bad time always comes unannounced and with silent steps. Accident cases are just a brilliant example of the disheartening and irreversible impact of a bad time in life
Features and Benefits of the National Individual Personal Accident Policy
Eligibility of the National Individual Personal Accident Policy
The National Individual Personal Accident Policy is available for the individual between the minimum age group of 5 years to the maximum age group of 70 years.
|Entry Age||5 years – 70 years|
|Sum Assured||Upto 1000000|
|Bonus||No Claim Bonus upto 50 percent|
|Renewability||Upto 70 years of Age|
|Policy Period||1 Year|
Exclusions of the National Individual Personal Accident Policy
If you want to keep on the coverage of your National Health Insurance as strong and closely packed as it was when you bought the insurance policy, you have to renew it before the due date. National insurance renewal online process is easy and simple. One just needs to follow some simple steps to complete his/ her National Mediclaim insurance renewal.
It is very transparent and easy to apply for claim under the National Health Insurance. It can be done in two ways –
The cashless facility of the National Health insurance is there only for policies service by a Third Party Administrator (TPA)
For Reimbursement Claims
Every shining thing is not gold. Although there are many health insurance companies all over India, you cannot compromise with the safety of your health and your loved one. The National Health Insurance is one of the insurance companies owned by Indian Government that was founded before Independence. National Health Insurance plans are designed in a flexible manner and keeping in mind the India customer and their need it offers a wide range of health products with free quotes to fulfil all the requirements.
It not only offers economic support but National health insurance also make the insured and loved ones stress free from the various factors like doctors’ consultation, compromise due to expensive treatments and no guidance during an emergency. National Health Insurance even gives a chance to widen the scope of health insurance policy and also for cover critical illness by paying additional premium without burning a hole in the pocket of an individual.
Following original documents are required to settle the claim of National Health Insurance -
Pre policy check up is required in cases where the proposer is
The National Insurance Company offers 2 modes of premium payment namely:
For the online payment mode, the policyholder can pay via;
The National Health Insurance Policy can be bought from the channels mentioned below.
Following documents are Required for Purchasing National Insurance Medical Insurance -
Yes. Tax exemption is available under section 80D of the Income Tax Act for the National Health Insurance schemes.
In order to check the status of your National Health Insurance policy, log in to the company website with valid credentials and enter the policy number.
Claim settlement ratio of National Health Insurance policy is the number of insurance policy claims settled by the insurer against the total number of claim request received by the company.
HIPAA (Health Insurance Portability and Accountability Act of 1996) gives the patients total right to get a copy of their medical records, therefore a doctor can’t refuse to release the medical records of a patient.
The benefit of the National Health Insurance network hospitals is the cashless treatment of the policyholder. If the hospital is not network hospital, then policyholder can only opt for the reimbursement claim, not the cashless claim.
Last updated on 03-09-2019