Network hospitals
3200+
Incurred claim ratio
91.31%
Sum insured
Up to 2 Crores
No. of Plans
1
Solvency Ratio
0.3
Pan India Presence
850+
Buying individual health insurance may seem hectic for some of us, as the monthly premiums might be a pain for our pockets. Here comes the contribution of a group mediclaim policy that offers you all-inclusive health support benefits. The National Insurance Group Mediclaim Policy is an indemnity insurance product that significantly provides coverage for a group of policyholders. The plan caters to the basic health care needs of an employer-employee and a non-employer-employee. Anyone is entitled to get issued with this policy on an individual basis under a group. Given that the separate sum insured of the plan applies to each of the individuals who are insured under the group policy, the above condition applies to a family group or an employee-employer group.
This plan has a wide sum insured ranging from INR 50,000 to INR 10 Lakhs in 15 slabs (in the multiples of x value in ascending order). The value of the sum insured is attended in two ways:
Apart from this, if you are worried about getting coverage for daycare treatment or hospitalisation, worry not. National Insurance Group policy covers 140+ daycare procedures, along with in-patient hospitalisation (for allopathic, homoeopathic, and Ayurvedic treatment), pre-hospitalisation (30 days prior hospitalisation), post-hospitalisation (60 days from the date of hospital discharge), and an illness constrained during the policy tenure.
Similarly, the plan has extended coverage facilitating 12 kinds of modern treatment, the inclusion of advanced treatment like HIV/AIDS, mental illness, morbid obesity, refractive error correction, organ donor's expenses, ambulance service benefits, etc. Additionally, this plan has a clause of sub-limits which is subject to be applied over the mentioned expenses from the policy schedule. For example, room rent charges, medical practitioner/doctor's visit fees, procedures such as hemodialysis, radiotherapy, and chemotherapy (subject to over-sub-limit expenses), pre & post-hospitalisation, etc are advised under or over the sub-limit (as per the schedule).
This page consists of the benefits and specifications of the National Insurance Company Group Policy. Read further to know more.
To understand National Insurance Group Mediclaim Policy Insurance in detail, take a look at the below table:
Min- 3 Months, Max- No Limit
Group Health Insurance
50 K | 70 K | 1 L | 10 L
30 Days
Lifetime
1, 2, 3 Years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Read more specifications in the brochure.
With wide coverage options available, National Insurance Group Mediclaim Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Not Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Not Covered
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
Covered
Sub-limits
Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
Read below to know in detail about the benefits of a group mediclaim policy by the National Insurance Company:
Here is a list of standard exclusions under the National Group Mediclaim Policy:
Investigation and evaluation
Rest cure, rehabilitation and respite care
Obesity/ weight control treatment
Change-of-gender treatments, cosmetic or plastic surgery, and unproven treatments
Birth control, sterility and infertility
Hazardous or adventure sports
Breach of law, drug/alcohol abuse, self-inflicted injury, suicidal act, and non-prescription drug
Hormone replacement therapy, general debility, congenital external anomaly, and dental treatment
Domiciliary hospitalisation & out-patient department (OPD) treatment
Massages, steam baths, alternative treatment (Other than Ayurveda and Homeopathy)
Treatment taken outside the geographical limits of India
Permanently excluded diseases, etc.
National Insurance Group Mediclaim policy is a wholesome indemnity insurance that provides overall coverage to the policyholder. The coverage benefits include pre and post-hospitalisation, in-patient care (for Allopathy, Ayurveda, and Homoeopathy) modern treatment, daycare procedures, mental illness coverage, and much more.
There's no better way of safeguarding yourself as the entitled insured of a group and your family with a group plan than the National Insurance mediclaim policy. So, why the wait? Waste no time to buy a health policy now!
Want to know more? Contact our customer care executives at 18003450330 or visit the official website of PolicyX.com.
To cater to the different medical needs of an individual & their family, National Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to National Health Insurance plans explore more:
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Top Up and Super Top Up
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Senior Citizen Health Insurance
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Yes, daycare procedures are covered up to the sum insured under this plan.
In-patient care (Allopathic, Ayurveda and Homoeopathy), day care treatment, pre-hospitalisation (30 days) and post-hospitalisation (60 days) expenses, 140+ day care procedures, mental illness treatment, HIV/ AIDS treatment, organ donor’s medical expenses, ambulance charges & Morbid Obesity Treatment.
The maximum sum insured of this plan goes up to INR 10 Lakhs of which SI ranging from INR 50,000 - 5 Lakhs comes in a multiple of INR 50,000. Whereas, SI of INR 6-10 Lakhs is available in the multiples of INR 1 Lakh.
Yes, 12 kinds of modern treatment within the sub-limit are available under the plan.
The National Insurance group mediclaim policy is curated to provide basic health care support for a group of people either as an employer-employee or a non-employer-employee.
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Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.
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