List of National Insurance Health Plans

National Insurance Company Limited (NICL) is one of the oldest and most trusted general insurance companies in India. National Insurance offers customized health insurance plans and comprehensive health covers. From individual health insurance policies and family floater plans to senior citizen plans and group mediclaim policies, NICL offers a wide range of health insurance products to satisfy the varying needs of the customers.

Mentioned below are plans offered by National Insurance Health Plans:

National Health Insurance Individual & Family Plans

Standard

National Mediclaim Policy

If you are looking for a policy that covers you for In-patient treatment expenses and 140+ Day Care Procedures then this plan is the right choice.

Unique Features

Avail cover up to 50 lakhs
Critical Illness benefit
5% Increase in SI

Mediclaim Policy (Pros)

140+ Daycare Treatments
50% No-Claim Bonus
Tax Benefits
Online Discounts Available
Health Check-up Available

Mediclaim Policy (Cons)

Treatment outside India
OPD Diagnostics
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries

Mediclaim Policy (Other Benefits)

COVID Vaccination
Flexible-Premium Facility
AYUSH Treatment
Room Rent Cover
Robotic surgeries Cover

Mediclaim Policy (Eligibility Criteria)

Entry Age - 3 Months
Max Entry Age - 65 Years
SI - 1 L to 10 L
Waiting Period - 30 Days

Comprehensive

National Mediclaim Plus Policy

This plan suits you best if you are a newly married individual or have dependents like kids or elderly parents as this health plan covers all of them along with you.

Unique Features

12 Modern treatments
Maternity cover
Lifelong renewability

Mediclaim Policy (Pros)

Up to 50 L SI
50% No-Claim Bonus
Tax Benefits
OPD Treatment Available
Health Check-up Available

Mediclaim Policy (Cons)

Treatment outside India
PED
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries

Mediclaim Policy (Other Benefits)

COVID Vaccination
Air Ambulance Cover
Maternity Cover
Hospital Cash Benefit
Children Vaccination Available

Mediclaim Policy (Eligibility Criteria)

Entry Age - 3 Months
Max Entry Age - 65 Years
SI - 2 L to 50 L
Waiting Period - 30 Days

Family Floater

National Parivar Mediclaim Policy

An affordable health plan, that offers 140+ day care procedures and covers pre-existing conditions like diabetes and hypertension.

Unique Features

Infertility treatment cover
Vaccination for children
Cataract Treatment Covered

Parivar Mediclaim Policy (Pros)

140 + day care procedures covered
Affordable Premiums
Maternity Cover
Ambulance Cover
Infertility Cover

Parivar Mediclaim Policy (Cons)

Treatment outside India
OPD Diagnostics
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries

Parivar Mediclaim Policy (Other Benefits)

Organ Donor Expenses
Vaccination Cover
AYUSH Cover
No Pre-Policy Check-Up
No Co-Pay

Parivar Mediclaim Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 1 L to 10 L
Waiting Period - 30 Days

Family Floater

National Parivar Mediclaim Plus Policy

If you are looking for a healthcare policy providing a high sum assured and covers your family members under one cover this is the right policy for you.

Unique Features

Cover up to 50 Lakhs
5% No claim discount
Critical Illness Benefit

Parivar Mediclaim Plus Policy (Pros)

High SI
Zone Wise Premiums
Multiple Discounts
Optional Covers Available
OPD Cover

Parivar Mediclaim Plus Policy (Cons)

Treatment outside India
PED
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries

Parivar Mediclaim Plus Policy (Other Benefits)

Affordable Premiums
Tax Benefit
AYUSH Cover
Anti Rabies Vaccination
Air Ambulance

Parivar Mediclaim Plus Policy (Eligibility Criteria)

Entry Age - 3 Months
Max Entry Age - 65 Years
SI - 6 L to 50 L
Waiting Period - 30 Days

Standard

National Arogya Sanjeevani Policy

Standard indemnity health insurance product, having Sum Insured up to 10 Lakhs available in both individuals and floater type.

Unique Features

Individual/Floater
Online purchase discount
EMI facility available

Arogya Sanjeevani Policy (Pros)

High SI
Affordable Premiums
Tax Benefits
Up to 50% No-claim Bonus
Flexible-Premium Payment

Arogya Sanjeevani Policy (Cons)

Treatment outside India
OPD Diagnostics
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries

Arogya Sanjeevani Policy (Other Benefits)

Enhanced Limits for Room Rent
Avail Online Discounts
Change Sum Insured
Lifelong Renewal
AYUSH Treatment

Arogya Sanjeevani Policy (Eligibility Criteria)

Entry Age - 3 Months
Max Entry Age - 65 Years
SI - 1 L to 10 L
Waiting Period - 30 Days

Super Top-up

National Super Top Up Mediclaim Policy

This policy covers your family members and offers high coverage at affordable prices.

Unique Features

Organ donation covered
Morbid obesity treatment covered
Portability allowed

Super Top Up Mediclaim Policy (Pros)

High SI
Affordable Premiums
Tax Benefits
HIV/AIDS Cover
Obesity Treatment

Super Top Up Mediclaim Policy (Cons)

Treatment outside India
OPD Diagnostics
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries

Super Top Up Mediclaim Policy (Other Benefits)

No Sub-Limits
Tax Benefits
No Base Policy Required
Multiple Discounts
Up to 50% No-Claim Bonus

Super Top Up Mediclaim Policy (Eligibility Criteria)

Entry Age - 5 Years
Max Entry Age - 65 Years
SI - 3 L to 20 L
Waiting Period - 30 Days

Comprehensive

National Young India Mediclaim Policy

A versatile health insurance policy available on an individual and family floater basis offering various optional covers.

Unique Features

No pre-policy Check-up
Health Incentives
Tax Benefits

Young India Mediclaim Policy (Pros)

Multiple Discounts Available
Zone Wise Premium
COVID Vaccination
Daycare Treatment Cover
Comprehensive Cover

Young India Mediclaim Policy (Cons)

Treatment outside India
OPD Diagnostics
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries

Young India Mediclaim Policy (Other Benefits)

High SI
Cataract Cover
Maternity Cover
AYUSH Treatment Cover
Personal Accident Cover

Young India Mediclaim Policy (Eligibility Criteria)

Entry Age - 3 Months
Max Entry Age - 43 Years
SI - 3 L to 10 L
Waiting Period - 30 Days

National Health Insurance Specialized Plans

Global Coverage

Overseas Mediclaim Business and Holiday

This plan is essential for those who like to travel, a package policy that covers travel emergencies while traveling abroad.

Unique Features

Coverage for business travel
Coverage for education abroad
Medical evacuation available

Overseas Mediclaim Business and Holiday (Pros)

Loss of Baggage Cover
Corporate Cover
Personal Accident Cover
Loss Of Passport Cover
Personal Liability Cover

Overseas Mediclaim Business and Holiday (Cons)

Hazardous Occupation
PED
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries

National OMBH Policy (Other Benefits)

Check-in Baggage Delay
Tax Benefit
Loss Of Check-in Baggage
Dental services
Permanent Total Disablement

National OMBH Policy (Eligibility Criteria)

Entry Age - N/A
Max Entry Age - N/A
SI - N/A
Waiting Period - 30 Days

Global Coverage

Overseas Mediclaim Employment and Study Plan

A plan beneficial for students who are traveling abroad for education, it is designed to cover medical evacuation, illness, and more.

Unique Features

Medical Evacuation
5k USD medical emergency cover
Mental illness cover

Overseas Mediclaim Employment and Study Plan (Pros)

Illness Expense Cover
Accident Cover
Medical Evacuation
Transportation of Remains
Loss of Entire Sight Cover

Overseas Mediclaim Employment and Study Plan (Cons)

Hazardous Occupation
PED
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries

National OMES Policy (Other Benefits)

Permanent Total Disablement
Tax Benefit
Mental Illness Cover
Funeral Expenses
Affordable Premiums

National OMES Policy (Eligibility Criteria)

Entry Age - N/A
Max Entry Age - N/A
SI - N/A
Waiting Period - 30 Days

Critical Illness

National Critical Illness Policy

A unique benefit policy that covers expenses in the event of the insured person being affected with any of the listed critical illnesses.

Unique Features

Cover up to 75 Lakhs
Covers pre-existing conditions
37 critical illnesses covered

Critical Illness Policy (Pros)

High SI
Cancer Cover
Lump Sum Benefit
Short Survival Period
Sum Insured Enhancement

Critical Illness Policy (Cons)

Treatment outside India
PED
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries

Critical Illness Policy (Other Benefits)

Affordable Premiums
Tax Benefit
Brain Surgery Cover
Alzheimer's Disease
Aorta Graft Surgery Cover

Critical Illness Policy (Eligibility Criteria)

Entry Age - 5 Years
Max Entry Age - 65 Years
SI - 1 L to 75 L
Waiting Period - 30 Days

Senior citizen

National Senior Citizen Mediclaim Policy

Secure your parents' future by providing medical coverage to senior citizens.

Unique Features

5% increase in SI
2 Plan options
Covers spouse

Senior Citizen Mediclaim Policy (Pros)

High SI
Affordable Premiums
Tax Benefits
Up to 50% No-claim Bonus
Optional Covers Available

Senior Citizen Mediclaim Policy (Cons)

Treatment outside India
OPD Diagnostics
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries

Senior Citizen Mediclaim Policy (Other Benefits)

Regular medical consultation
Avail Online Discounts
AYUSH Treatment
Domiciliary Hospitalization
Hospital Cash

Senior Citizen Mediclaim Policy (Eligibility Criteria)

Entry Age - 65 Years
Max Entry Age - 70 Years
SI - 1 L to 10 L
Waiting Period - 30 Days

Student Specific

National Vidyarthi Mediclaim Policy

Mediclaim for Students is a unique policy designed to provide health and personal accident cover to students.

Unique Features

Covers parents and students
Eyesight correction
Genetic disorders covered

Vidyarthi Mediclaim Policy (Pros)

Group Discount
50% No-Claim Bonus
Tax Benefits
Hospitalization Cover
In-Patient Care

Vidyarthi Mediclaim Policy (Cons)

Treatment outside India
OPD Diagnostics
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries

Vidyarthi Mediclaim Policy (Other Benefits)

12 Modern Treatment
Mental Illness
Genetic Disorders Cover
Eyesight Correction
Pre & Post Hospitalization

Vidyarthi Mediclaim Policy (Eligibility Criteria)

Entry Age - 3 Years
Max Entry Age - 25 Years
SI - 50K to 2 L
Waiting Period - 30 Days

COVID-19

National Corona Kavach Policy

This policy focuses on protecting the policyholders against the treatment expenses resulting due to COVID-19 infection.

Unique Features

Covers spouse and children
5% discount for health staff
10% online discount

Corona Kavach Policy (Pros)

Home Care Treatment
COVID Care
No Sub-Limits
No Pre-Policy Check-Up
Affordable Premiums

Corona Kavach Policy (Cons)

Treatment outside India
OPD Diagnostics
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries

Corona Kavach Policy (Other Benefits)

15 Day Pre Hospitalization Cover
30-Day Post-Hospitalization Cover
Discounts Available
Tax Benefits
Oxygen Cylinder Cover

Corona Kavach Policy (Eligibility Criteria)

Entry Age - 1 Day
Max Entry Age - 65 Years
SI - 1 L to 5 L
Waiting Period - 30 Days

Disability Plan

National Divyan Sanjeevani Policy

An indemnity health insurance designed for people falling under the category of disabled, affected with HIV/AIDS, and mental illnesses.

Unique Features

No pre-policy check-up
Affordable Premiums
Tax Benefits

Divyan Sanjeevani Policy (Pros)

In-Patient Hospitalization
AYUSH Cover
Day Care Cover
Dental Treatment
Modern Treatment

Divyan Sanjeevani Policy (Cons)

Treatment outside India
OPD Diagnostics
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries

Divyan Sanjeevani Policy (Other Benefits)

Cataract Treatment
Acid Attack Cover
Blindness Cover
Chronic Neurological Cover
Ambulance Cover

Divyan Sanjeevani Policy (Eligibility Criteria)

Entry Age - Newborn
Max Entry Age - 65 Years
SI - 4 L to 5 L
Waiting Period - 30 Days

Group Health Plan

National Group Mediclaim Policy

It is a group indemnity health insurance plan designed to address the basic health insurance needs of employees.

Unique Features

140+ daycare procedures
HIV Cover
Affordable Premiums

Group Mediclaim Policy (Pros)

SI up to 10 L
AYUSH Cover
Optional Covers Available
Discounts Available
Mental Illness Treatment

Group Mediclaim Policy (Cons)

Treatment outside India
OPD Diagnostics
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries

Group Mediclaim Policy (Other Benefits)

Co-Pay Discounts Available
PED Cover
30 Day Pre Hospitalization
60-Day Post Hospitalization
Modern Treatment

Group Mediclaim Policy (Eligibility Criteria)

Entry Age - 3 Months
Max Entry Age - N/A
SI - 50k to 10 L
Waiting Period - 30 Days

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List of National Insurance Health Plans

National Health Insurance Individual & Family Plans

Mediclaim Policy (Pros)

Mediclaim Policy (Cons)

Mediclaim Policy (Other Benefits)

Mediclaim Policy (Eligibility Criteria)

Mediclaim Policy (Pros)

Mediclaim Policy (Cons)

Mediclaim Policy (Other Benefits)

Mediclaim Policy (Eligibility Criteria)

Parivar Mediclaim Policy (Pros)

Parivar Mediclaim Policy (Cons)

Parivar Mediclaim Policy (Other Benefits)

Parivar Mediclaim Policy (Eligibility Criteria)

Parivar Mediclaim Plus Policy (Pros)

Parivar Mediclaim Plus Policy (Cons)

Parivar Mediclaim Plus Policy (Other Benefits)

Parivar Mediclaim Plus Policy (Eligibility Criteria)

Arogya Sanjeevani Policy (Pros)

Arogya Sanjeevani Policy (Cons)

Arogya Sanjeevani Policy (Other Benefits)

Arogya Sanjeevani Policy (Eligibility Criteria)

Super Top Up Mediclaim Policy (Pros)

Super Top Up Mediclaim Policy (Cons)

Super Top Up Mediclaim Policy (Other Benefits)

Super Top Up Mediclaim Policy (Eligibility Criteria)

Young India Mediclaim Policy (Pros)

Young India Mediclaim Policy (Cons)

Young India Mediclaim Policy (Other Benefits)

Young India Mediclaim Policy (Eligibility Criteria)

National Health Insurance Specialized Plans

Overseas Mediclaim Business and Holiday

Overseas Mediclaim Business and Holiday (Pros)

Overseas Mediclaim Business and Holiday (Cons)

National OMBH Policy (Other Benefits)

National OMBH Policy (Eligibility Criteria)

Overseas Mediclaim Employment and Study Plan

Overseas Mediclaim Employment and Study Plan (Pros)

Overseas Mediclaim Employment and Study Plan (Cons)

National OMES Policy (Other Benefits)

National OMES Policy (Eligibility Criteria)

National Critical Illness Policy

Critical Illness Policy (Pros)

Critical Illness Policy (Cons)

Critical Illness Policy (Other Benefits)

Critical Illness Policy (Eligibility Criteria)

Senior Citizen Mediclaim Policy (Pros)

Senior Citizen Mediclaim Policy (Cons)

Senior Citizen Mediclaim Policy (Other Benefits)

Senior Citizen Mediclaim Policy (Eligibility Criteria)

National Vidyarthi Mediclaim Policy

Vidyarthi Mediclaim Policy (Pros)

Vidyarthi Mediclaim Policy (Cons)

Vidyarthi Mediclaim Policy (Other Benefits)

Vidyarthi Mediclaim Policy (Eligibility Criteria)

Corona Kavach Policy (Pros)

Corona Kavach Policy (Cons)

Corona Kavach Policy (Other Benefits)

Corona Kavach Policy (Eligibility Criteria)

National Divyan Sanjeevani Policy

Divyan Sanjeevani Policy (Pros)

Divyan Sanjeevani Policy (Cons)

Divyan Sanjeevani Policy (Other Benefits)

Divyan Sanjeevani Policy (Eligibility Criteria)

Group Mediclaim Policy (Pros)

Group Mediclaim Policy (Cons)

Group Mediclaim Policy (Other Benefits)

Group Mediclaim Policy (Eligibility Criteria)

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