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The National Health Insurance offers several beneficial health plans to its members that can be renewed throughout their lifetime. It is provided by the National Insurance Company Limited (NICL), which is owned by the Central Government of India. The following are the health insurance plans offered by NICL:
The National Insurance Company has more than 1340 offices throughout the nation. Through its policies, the NIC aims to establish insurance as part of one’s financial discipline. NIC offers several health insurance policy for both individuals and their families to face the future with confidence and ensure financial stability.
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With the future being unpredictable, having health insurance is a great way to secure it. National Health Insurance ensures the protection of yourself and your family from illness that can jeopardize the health and financial condition. The following are a few of the benefits the National Health Insurance offers.
The best thing to do to claim the full benefits of the National Health Insurance is to contact the company as soon as a need arises. This would also speed up the cashless or reimbursement process. Read along to know how to claim your National Health Insurance.
You must contact the health insurance company as soon as the need arises. To process a claim for National Health Insurance, you have to contact the claim support directly. You can contact them on their toll-free number 1800 200 7710. Before calling, make sure you have the following details with you:
To avail of the cashless treatment, you must be admitted to a National Health Network Hospital . Visit the website of the National Health Insurance Company to access the full list of network hospitals.
If the patient fails to provide the required medical details, the insurer/TPA has the right to deny pre-authorization. In case the cashless treatment claim gets rejected, then the patient has to pay for the treatment and later claim for reimbursement.
Even if your cashless treatment gets denied, there’s no need to worry. You can make a reimbursement claim to get the amount you paid for the procedure. To make a reimbursement claim, the insured individual must undergo treatment as per doctor’s advice. The individual has to bear all the expenses of the treatment.
If there’s a delay in payment, the company will pay 2% above the bank interest rate. The insurer/TPA has the right to deny pre-authorization if the patient fails to provide the required medical details. If the company rejects the claim, the same will be communicated to the individual in writing within 30 days of submitting the final documents.
The following documents are required for filing a reimbursement claim:
While the National Health Insurance covers all medical expenses and applicable charges, there are certain charges that the policy won’t cover. The following costs are not covered under the National Health Insurance policy:
National Health Insurance is one of the best health insurance policies in the country and offers several customized insurance plans. You can apply for your policy online. It is always better to have a comprehensive national health insurance policy as it would safeguard your future.