National Insurance Group Mediclaim Policy
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:
- Sum insured- INR 50,000 - 5 Lakhs (comes in a multiple of INR 50,000)
- Sum insured- INR 6 - 10 Lakhs (comes in a multiple of INR 1 Lakh)
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.
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