National Health Insurance

National Health Insurance

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About National Insurance Company

The National Insurance Company is one of the oldest and most renowned general insurance Company in India. The company was founded on 6th December 1906, since then the company has been growing positively on the daily basis. Talking about the nationalization , the company got nationalized in 1972, i.e. 66 years after its inception. The National Insurance Company aims to keep things simple so that they can attract the trust of more potential customers. The company follows a tagline which is "Thoda Simple Socho" which goes well with its thinking.

The National Insurance Company was integrated with around 11 indigenous companies and 21 overseas establishments to form National Insurance Company Ltd. National Insurance Company Limited is also one of the 4 subsidiaries of the General Insurance Corporation of India which is completely owned by the government.

National Insurance Achievements

Talking about the achievements, the National Insurance India is the only state-owned general insurance company that has its headquarteres in Kolkata. Being the oldest member of the insurance Industry, National Insurance Company is the pioneer of several different milestones. It is also referred to the first company which introduced a range of customized insurance products for the rural as well as urban society. The company caters into almost every section of the general insurance company.

The launch of the Techno Marketing Project Cells is also one of the extensions of the trend of future customized products. The Techno Marketing Deprtment was founded to insure huge projects and to offer the agrarian buyer with the Farmers Package Policy to meet their requirements. Moving forward, National Insurance Company Limited also has certain strategic alliances in India.

National Insurance has joined hands with renowned companies of India that include M/s Maruti which is the biggest automobile manufacturing company, Hero Motor Corp and many more.

About National Health Insurance

National Insurance company that was founded on 6th December 1906 offer effective health insurance policies. The company offers great and effective products at your doorstep. There is a wide variety of health insurance products through which you will be able to pick the right one for yourself, easily. NIC has a strength of more than 15,000 skilled human assets and 1340 offices, including 373 Business Centers pan India. The National Insurance Company also has operations in Nepal.

There is no doubt in saying that the health insurance is the best way to live your life securely and tension free. In case of any medical emergencies an effective health insurance plan will be there to support you financially so that you can focus more on the treatment. There are several National Health insurance plans that the company offers to its customers that can meet their daily needs. An effective National health insurance policy offered by the company will help you in getting quality treatment easily across a number of hospitals.

With a helpful health insurance plan you will be able to cover yourself and your family as well. The National health insurance plans come at affordable prices so that everybody can check and select a one as per their needs and requirements. You can cover yourself whenever you want by paying a fixed amount in the form of premium. Choosing the best plan that goes well with your needs is completely your choice and the NIC's long list of health insurance products offer better options at great prices.

The NIC is responsible for bringing in flexible yet useful general insurance products, tailoring them to meet the needs of the customers. The company through its National health insurance products aims to be the first insurance company that explores this idea of maximizing penetration with the help of partnerships of strategic importance.

National Insurance company has about 1,340 offices in all over India. Its customers include both retail as well as large industrial customers.

The National Insurance company has made social and economic inclusion as one of its priorities. It aims to extend to extend the reach of the general insurance industry which is not greatly exposed to insurance as a product or form of financial discipline. National Insurance Company accomplishes this with the help of the great technology that helps in crossing physical boundaries and reach people in need of reasonable health care.

As discussed above, National health insurance offers a wide variety of health Insurance products under its umbrella. Here, we take a look at some of the best health insurance plan it offers from which you can choose easily.

National Health Insurance plans

S.No Plan Name
1. National Mediclaim Policy
2. Overseas Mediclaim Employment and Studies
3. National Parivar Mediclaim
4. National Parivar Mediclaim Plus
5. Overseas Mediclaim Business and Holiday
6. Mediclaim Plus Policy
7. Parivar Mediclaim

1. National Mediclaim Policy

If you are not aware of the helpful features that this plan offer, then you must have a look at it. The National Mediclaim Policy covers hospitalization expenses incurred for treatment of illness/disease or injury contracted/sustained by the insured persons during the policy period. The cost of this plan is not too high, you can easily get the desired coverage whenever you need it.

Key Features

  • The policy is available to persons between age of 18 and 65 years.

  • Dependent children between the age of 3 months and 18 years can be covered provided at least one parent is covered at the same time. Dependent parents can also be covered with the family.

  • Sum insured range is between `50,000 and 5 lakhs, in multiples of `25,000/-.

  • The policy can be renewed lifelong.

Eligibility Entry age 1 Eligibility Max. Renewability Age Cover Sum Assured Cover Basis Individual Medical Screening
8 years to 65 years. Children between 3 months and 18 years (at least one parent has to be covered under this plan). (sons above 18 years are considered dependents till the age of 25, if still a student; daughters are considered dependents until marriage). No Limits Rs.50,000 to Rs.5 lakhs (in increments of Rs.25,000). (Family includes the proposer, his/her spouse and dependent children and dependent parents) Not required for persons up to 50 years. Required for persons over 50 years (not applicable to those switching over from another general/health insurer). Reimbursement of screening costs - 50% when proposer qualifies as a client.

2. Overseas Mediclaim Employment and Studies

There are several situations when a person has to go abroad, maybe because of a vacation or for studies. But in both cases, it is really a good idea to buy an insurance plan. The benefits of this plan is that any unwanted situation will not be able to spoil your trip. This plan provides coverage on overseas trips that take place because of studies or business.

Key Features

  • The policy covers various travel emergencies faced whilst abroad.

  • Premium can be paid in Indian Rupees (except in case of Employment)

  • Claim assistance available from an international service provider

  • Claims are payable in foreign currency to Doctors / Hospitals abroad, directly by the service provider in most cases. In case, cashless service is not available insured can claim reimbursement.

Eligibility
- First US$ 100 of all claims is to be borne by the traveller.
- For travelers over 70 years of age and above 60 days of journey, the following Medical reports (from an MD Cardiologist) need to be submitted along with the proposal form:
  1. ECG
  2. Fasting Blood Sugar or Urine Strip test
- In case of travellers unable to submit the above Medical reports cover stands restricted to USD 10,000.

3. National Parivar Mediclaim

As the name suggests, this is basically a form of floater insurance policy which is offering complete health insurance cover for you and your family. With this effective plan, you will be able to cover yourself and your family under a single plan that will help you ins saving a lot of money. Apart from basic features, there are additional features such as

Key Features

  • Maternity, Newborn baby cover - Up to 10% of SI subject to INR 30,000 in case of normal delivery and INR 50,000 in case of caesarean section

  • Infertility treatment Cover - Up to INR 50,000

  • Anti-rabies vaccination Cover - Up to INR 5,000

  • Medical second opinion - One MSO per family in a policy year, for 88 major illnesses

  • Hospital cash benefit (per insured person, per day) - INR 300, max. of 5 days

  • Ambulance expenses (per insured person, in a policy year) - Up to INR 1,000/- per illness & INR 2,500/-

  • Zone wise rating with discounts on lower rated zones

  • Optional cover (by paying additional premium)

Eligibility Eligibility Max. Renewability Age Cover Cover Basis Pre & Post Hospitaliation
Entry age 18 years to 60 years. Children between 3 months and 25 years 65 years Sum Assured Rs.2 lakhs to Rs.5 lakhs (in increments of Rs.50,000). Payout for each illness is subject to a limit of 50% of the chosen sum assured Family Floater. (Family includes the proposer, his/her spouse and dependent children).
  • Up to 15 days of Pre-hospitalisation expenses.
  • Up to 30 days of post-hospitalisation expenses.

4. National Parivar Mediclaim Plus

One more floater plan under National health insurance umbrella. Under the same, the features are same as the Parivar mediclaim but this policy allows you to insure your loved ones with a great sum assured amount so that they can get complete cover when they need it.

Key Features

  • Hospitalisation expenses are covered.

  • Treatment under Allopathy, Ayurveda ,Homeopathy are covered upto full sum insured.

  • Pre (30 days) and Post (60 days) Hospitalisation covered.

  • 140+ Daycare treatments covered.

  • Domiciliary treatment :-

    1. Plan A - Up to INR 1,00,000

    2. Plan B - Up to INR 2,00,000

    3. Plan C - Up to INR 2,00,000

  • Organ Donor's expenses including pre and post hospitalisation

  • Capping on any one illness No capping

Sum insured Who can be covered Renewability Policy period
INR 6 Lac to 50 Lac, available in 3 plans
  • Plan A - INR 6/7/8/9/10 Lac
  • Plan B - INR 15/20/25 Lac
  • Plan C - INR 30/ 40/ 50 Lac
Family includes Self, Spouse, Children &Parents/Parents in laws Lifelong Min - 1 year, Max - 3 years

5. Overseas Mediclaim Business and Holiday

Overseas Mediclaim Policy is a package policy that provides coverage for travel emergencies when someone is traveling abroad. This plan is listed for the foreign travel. Under this, there are several benefits that will surely make you feel safe and secure. With the effective features of the health insurance policy, you will be able to spend much time on getting quality treatment and worry less about its cost.

Key Features

  • The policy covers various travel emergencies faced whilst abroad.

  • Premium can be paid in Indian Rupees (except in case of Employment)

  • Claim assistance available from an international service provider

  • Claims are payable in foreign currency to Doctors / Hospitals abroad, directly by the service provider in most cases. In case, cashless service is not available insured can claim reimbursement.

Eligibility
- First US$ 100 of all claims is to be borne by the traveller.
- For travelers over 70 years of age and above 60 days of journey, the following Medical reports (from an MD Cardiologist) need to be submitted along with the proposal form:
  1. ECG
  2. Fasting Blood Sugar or Urine Strip test
- In case of travellers unable to submit the above Medical reports cover stands restricted to USD 10,000.

6. Mediclaim Plus Policy

One more effective health insurance policy by the company under its portfolio of National health insurance plans. It is basically a comprehensive insurance policy that offers coverage beyond the traditional policies. It offers protection against high health care costs and makes health care and related services easy and reachable.

Key Features

  • Treatment - Policy covers Allopathy, Ayurveda and Homeopathy treatment.

  • In-patient treatment

    1. Room charges and intensive care unit charges

    2. Medical practitioner(s)

    3. Anaesthesia, blood, oxygen, operation theatre charges, surgical appliances

    4. Medicines and drugs

    5. Diagnostic procedures

    6. Prosthetics and other devices or equipment if implanted internally during a surgical procedure.

  • Pre and Post hospitalisation - Expenses incurred 30 days prior to hospitalisation and 60 days post hospitalisation

  • Day care procedure - 140+ day care procedures are covered

Plans and Sum Insured Eligibility Entry age of proposer Children Entry age of members
The Policy offers three plans with varying covers
  • Plan A - INR 2 lac to INR 10 lac in multiples of 1lac
  • Plan B - INR 15 lac, INR 20lac,INR 25 lac
  • Plan C - INR 30 lac, INR 40 lac ,INR 50 lac
Self, spouse, dependent children and parents 18 years to 65 years. 3 months to 18 years 18 years to 65 years

7. Parivar Mediclaim

Parivar Mediclaim policy provides protection to families against the financial burden of treatment in hospitals for illness/ disease/ accidental injury. It is a floater policy wherein the entire family consisting of self, spouse & two dependent children are covered under a single floater sum insured.

Key Features

Parivar Mediclaim policy provides the following benefits :

  • Reimbursement of hospitalization expenses which are reasonably and necessarily incurred, under the following heads:

    1. Room, boarding, nursing expenses and RMO charges as provided by the hospital/nursing home 1% of sum insured per day (normal) & 2% of sum insured per day (ICU)

    2. Expenses incurred for Surgeon, Anaesthetist, Medical Practitioner, Consultant, Specialist's Fees, Nursing Expenses

  • Expenses incurred on account of anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostic material, X-ray, dialysis, chemotherapy, radiotherapy, cost of pacemaker, artificial limbs & cost of organs and similar expenses.

  • Diabetes and Hypertension can be covered from inception by paying extra premium

Age Sum insured range Renewal Pre & post hospitalization expenses Cashless
The policy is available to persons between age of 18 and 60 years. 2 Lakh and 5 lakh, in multiples of ` 50,000/ Upto the age of 65 years For 15 & 30 days respectively Cashless facility can be availed through TPA

National Insurance Online Payment

The National Insurance company on-line paymet option has made the lives of the policyholders lot more simpler. They no longer have to go to the company office for the payment of premiums or renewal. Keeping the wishes of its clients throughout the country in mind, the National Insurance company online payment option has been incorporated. Most customers have found National Insurance company online mode user-friendly for a number of reasons.

Any purchaser of National nsurance is eligible for making payment online. Furthermore, all National insurance on-line policies include online recharge option. And, most importantly, policyholders can choose from special National Insurance on-line payment modes keeping in with their comfort. Purchasing National Insurance policies online has become popular amongst the buyers and the feature of online renewal offered by National Insurance company has added to the benefits.

How to Take a National Health Insurance Policy?

To buy an effective health insurance plan by National Insurance Company, you must visit the nearest branch office, take the form from an authorised agent, fill the form and submit it to the agent. A surveyor will be appointed to estimate the risk factor of your health condition. Policy documents will be issued directly or through registered post. You can buy a few policy onlien as well.

National Health Insurance Mediclaim Policy Renewal

To renew National Health Insurance Mediclaim Policy, visit the company website, submit your policy number and email ID, click on 'Proceed', enter your policy details, contact details, and confirm the provided details. It will displayed on the screen along with premium amount to be paid.

Online Payment National Health Insurance Mediclaim Policy

Now you can buy teh chosen policy online also. The insurance cover can be between Rs.1 lakh to Rs.5 lakhs. Individual and Parivar Mediclaim policies are available online. Online premium payment can be made via the NICL portal using net banking, credit card or debit card.

Claim Process of National Health Insurance

Claim Process:

  • The first step is to inform and lodge a claim by contacting National Insurance on their Toll Free number - 1800 200 7710

  • Keep your documents ready

    1. Use National Insurance Health Card

    2. Submit your Identification details: Name of the insured, contact details, policy number, Passport/voter's Id/PAN card at the time of claimCashless Claim Process

It will provide the needful coverage agaisnt treatment for sickness, illness or accident provided in the listed National Insurance Network Hospital.

After getting the approval, medical bills are directly paid by the National Insurance to the hospital.

Important documents

  • Policy Number, Policyholder's/ Insured's Name

  • Contact Details of the Claimant/ Policyholder

  • Name of the Insured/ Claimant

  • Hospital Details

  • Nature of Ailment/Details of the Accident (Commencement date of the symptoms & related details)

Reimbursement Claim Process

Under the same, the insured have to clear all the meical bills on their own and later the insurance company will reimburse teh same.nIt is necessry to provide all medical expenses bill to get the reimbursement.

In case of a reimbursement process, it is important to get the treatment in the National Insurance Authorized Hospital. The treatment can be carried out in any registered hospital.

Important documents

  • Claim Form duly signed by the Insured

  • Photocopy of ID Card

  • Photocopy of policy certificate

  • Original discharge card/summary, Original hospital bills

  • For consolidated amounts, a detailed breakup of the amount

  • All investigation reports and bills in original supported by a note from the attending doctor/surgeon recommending such investigations

  • Surgeon's certificate stating nature of surgery performed, bill and paid receipt

  • Attending doctors/consultants/specialists/anesthetists bill, receipt and certificate

Contact Details of National Health Insurance

National Insurance Company Limited 3, Middleton Street, P.B. No. 9229, KOLKATA 700 071
E-mail: faf(at)nic(dot)co(dot)in
Customer care Number : 033-22831705 to 9, Fax : 033-22831712

FAQ's

1. Can any policy by National Insurance cover for the whole family?

Yes. Family members can be covered for up to a maximum of the sum assured to policy owner.

2. How much insurance does a person need?

It completely depends upon on a number of factors like age, income, lifestyle etc. This insurance from National Health is for a maximum of Rs.5 lakhs.

3. What is meant by portability?

Portability refers to transfer of policy from one insurance provider to another along with credit gained and family cover, if applicable.

4. What is a waiver?

The time period for furnishing claim related proof may be waived in case the insurance company deems necessary.

5. Is there tax benefit on Health Insurance schemes?

Yes. Tax exemption is available under section 80D of the Income Tax Act.

Latest National Health Insurance News

Linking Of Aadhaar With Insurance Policy Is Mandatory, Says IRDA

November 13, 2017

On Wednesday, 8th Nov 2017, the Insurance Regulatory And Development Authority Of India (IRDA) said that the linking of Aadhar number with insurance plans is compulsory and asked insurance companies to implement the statutory norms.

 “The Authority clarifies that, linkage of Aadhaar number to insurance policies is mandatory under the Prevention of Money Laundering (Maintenance of Records) Second Amendment Rules, 2017,” the IRDA said.

In the last June, the government of India had informed about the Prevention of Money Laundering (Maintenance of Records) Second Amendment Rules, 2017, making Aaadhar and PAN/Form 60 compulsory for getting financial services that include insurance also and asked policyholders and companies for linking the existing policies with the same.

In a discussion with all life and general insurance companies, IRDA said the rules have “statutory force” and they have to implement the rule without waiting for the further instructions.

Right now, there are 24 life insurers and 33 general insurance companies operating in the country.

Although, there are no deadlines that have been given by IRDA for the completion of the process, as per the circular, it has to be done as soon as possible. Some insurance companies also said that this can also result in the delay of payout in a few cases. Aadhaar is now also compulsory for financial transactions of Rs 50,000 and above. Likewise, one has to link one’s Aadhaar number with the mobile number latest by February 6, 2018.

National Insurance Company: Likely To List By 2018

December 20, 2017

National Insurance Company- a state-owned insurance company is likely to list by March 2018. This state-owned general insurance company has already received an in-principle approval from the Insurance Regulatory and Development Authority of India.  This company may need a higher amount of funds as compared to others.

The Insurance Regulatory and Development Authority of India made it easier for Indian insurance companies to launch initial public offerings (IPOs) and for state-owned insurers to privatize. This has led to the IPOs of four private and two state-owned insurers over the past 14 months. The IPOs of three more state-owned insurers (United India Insurance, National Insurance, and The Oriental Insurance) are scheduled for 2018.

K Sanath Kumar, chairman and managing director, National Insurance Company, said: “We are hopeful of getting listed by March 2018 and working towards it. We will need an adequate amount of funds to support outgrowth path.”

When it comes to the general insurance industry, ICICI Lombard General Insurance and New India Assurance got listed recently. State-owned reinsurer General Insurance Corporation of India (GIC Re) was also listed in October.

National Insurance, the renowned insurance company that had its solvency drop to below 1.5, was able to bring it back to the minimum required level of 1.5. The solvency was taken up to 1.9 by the reduction in exposure to loss-making group health cover, re-pricing of health and motor products as well as lower subordinate debt. 

National Health Protection Scheme presented in Union Budget 2018

February 01, 2018

With the entire country’s eyes now glued on our Finance Minister Mr. Arun Jaitley presenting Union Budget 2018. Here are the important highlights circling around the Insurance Industry based on National Health Protection Scheme:
The National Health Policy 2017 has seen health and wellness centers as the foundation of India’s healthcare system. He commits Rs. 1,200 crore for this flagship programme and invites contributions from the private sector.
The government has plans to launch flagship National Health Protection Scheme to cover 10 crore poor and vulnerable families and has plans to provide Rs. 5 lakh per family per year in secondary and tertiary care institutions. This scheme is said to have 50 crore beneficiaries.

Customer Reviews

Write A Review

Shilpa, Thane
- Reviewed On 06-05-2018
"Good facilities"

I hold a National Parivar Mediclaim insurance plan with National Insurance from last 3 years, i am happy with the coverage value of this policy.

Pari, Indore
- Reviewed On 30-04-2018
"Average Service"

I've a very bad claim experience with the national insurance company.

Shruti, Patna
- Reviewed On 26-05-2018
"Good"

quick response from customer care service.

1

Aggregate Rating for National Health Insurance Company Insurance    [ 3  ]

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