Health Insurance from National Insurance

One of the oldest insurance companies in India, National Insurance provides health insurance plans that assist you during medical emergencies.

NIC is rated as AAA by CRISIL for its financial strength.

The company completely understands that investing in a health insurance plan is now a basic necessity and hence, every plan covers the in-patient hospitalisation, day care treatment and considers a plethora of other medical expenses. Hence, health insurance plan by National Insurance is unique, keeping in mind the health needs of the end consumer.

National Health Insurance Plans

A health insurance plan provides financial aid at the time of medical emergencies. National Insurance company offers a varied range of health insurance plans to cover an individual and as well as his family. Each plan covers the cost of in-patient hospitalization, pre- and post- hospitalization, day care treatment and other medical expenses.

National Parivar Mediclaim

National Parivar Mediclaim Policy is a perfect family floater health plan offered by National Health Insurance. The plan provides option to cover the family members – you can cover yourself, spouse, dependent children (even your newborn) and parents under a single policy with one sum insured.

Salient Features of National Parivar Mediclaim:

Sum Insured (SI) / Coverage optionRs.1 lakh to Rs.10 lakh (in multiples of Rs.1 lakh)
RenewabilityLifelong
Policy TenureMinimum – 1 year and Maximum – 3 years
Free Health Check-upsAfter every 4 No Claim years up to Rs.5,000
Capping on any one illness No capping
Pre-existing Diabetes and HypertensionCovered up to the full Sum Insured
Other Benefits
  • Infertility Treatment Cover: Up to Rs.50,000
  • Hospital Cash (per insured person, per day): Rs.300 for maximum 5 days
  • Ambulance Expenses: Rs.1,000 per insured person, per illness subject to maximum of Rs.2,500 in a policy year
  • (Optional) Critical Illness Benefit Amount: Rs.2/3/5/10 lakh in addition to Sum Insured
  • The plan offers a maternity cover that offers coverage to newborn babies with the 10% of sum insured subject to maximum of Rs.30,000 in case of a normal delivery and Rs.50,000 in case of caesarean section.

    You can also opt for an additional cover by paying an extra premium. With every claim-free year, there’s a 5% discount on the base premium of the policy. All the premiums paid towards the health plan are tax exempted as per the Section 80D of Income Tax Act.

    National Parivar Mediclaim Plus

    National Parivar Mediclaim Policy Plus is a comprehensive family floater health plan offered by National Health Insurance Company.

    There are 3 variants under the plan. The plan can be used to cover the family members – you can cover yourself, spouse, dependent children (even newborn), parents/parents-in-laws under a single policy with one sum insured.

    National Parivar Mediclaim Policy Plus is a unique product with the help of which you can opt for a coverage as high as Rs.50 Lakh.

    National Parivar Mediclaim Plus has 3 variants: Plan A, Plan B, and Plan C. Each Plan varies in terms of coverage.

    Salient Features of National Parivar Mediclaim Plus:

    Plan APlan BPlan C
    Sum Insured (SI) / Coverage optionRs.6/7/8/9/10 lakh Rs.15/20/25 lakhRs.30/40/50 lakh
    RenewabilityLifelongLifelongLifelong
    Policy TenureMinimum – 1 year and Maximum – 3 yearsMinimum – 1 year and Maximum – 3 yearsMinimum – 1 year and Maximum – 3 years
    Capping on any one illness No cappingNo cappingNo capping
    Other BenefitsMaternity (New Born Cover): Normal Delivery - Up to Rs.30,000 Caesarean Section – Up to Rs.50,000 Infertility Treatment Cover: Up to Rs.50,000 Hospital Cash (per insured person, per day): Rs.500 for maximum 5 days. Ambulance Expenses: (per insured person, in a policy year) Up to Rs.2,500. No Air Ambulance facility. Maternity (New Born Cover): Normal Delivery - Actual Caesarean Section – Actual Infertility Treatment Cover: Up to Rs.1,00,000 Hospital Cash (per insured person, per day): Rs.1,000 for maximum 5 days. Ambulance Expenses: (per insured person, in a policy year) Up to Rs.4,000. Air Ambulance facility up to 5% of SI. Maternity (New Born Cover): Normal Delivery - Actual Caesarean Section – Actual Infertility Treatment Cover: Up to Rs.1,00,000 Hospital Cash (per insured person, per day): Rs.2,000 for maximum 5 days. Ambulance Expenses: (per insured person, in a policy year) Up to Rs.5,000. Air Ambulance facility up to 5% of SI.

    Offers Good Health Incentives in every 2 years irrespective of claims. You can also opt for an additional cover by paying an extra premium. With every claim-free year, there’s a 5% discount on the base premium of the policy. All the premium paid towards the health plan are tax exempted as per the Section 80D of Income Tax Act.

    National Mediclaim Plus Policy

    National Mediclaim Plus Policy is a comprehensive coverage plan that helps with medical expenses. The coverage offers more than the traditional health plans.

    The plan covers the expenses of pre- and post- hospitalisation, in-patient hospitalization, and day care treatment. The medical expenses of Allopathic, Ayurvedic and Homeopathic treatment are payable up to the sum insured.

    Moreover, National Medical Plus covers expenses of maternity, for new born and vaccination for children, for medical emergency reunion, air ambulance and provides hospital cash. All the variants of National Mediclaim Plus provides the option of having a second opinion from World Leading Medical Centres, if the insured is diagnosed with a serious illness.

    Salient Features of National Mediclaim Plus :

    FeaturesPlan APlan BPlan C
    Sum insured (SI)Rs.2/ 3 /4 / 5/ 6/ 7/ 8/ 9 /10 LakhRs.15/ 20 /25 LakhRs.30/ 40/ 50 Lakh
    Coverage
    Room/ ICU charges (per day)Room - Up to 1% of SI ICU – Up to 2% of SI subject to max. of Rs.15,000 Up to Rs.15,000Up to Rs.20,000
    Limit for cataract surgery (for each eye)Up to 15% of sum insured or Rs.60,000 whichever is lowerUp to Rs.80,000Up to Rs.1,00,000
    MaternityUp to Rs.30,000 for normal delivery and Rs.50,000 for caesarean sectionUp to Rs.60,000 for normal delivery and Rs.75,000 for caesarean sectionUp to Rs.80,000 for normal delivery and Rs.1,00,000 for caesarean section
    Hospital cash per day (max. of 5 days)Rs.500Rs.800Rs.1,000
    Ambulance (in a policy period)Up to Rs.2,500Up to Rs.4,000Up to Rs.5,000
    Air ambulance (in a policy period)Not coveredUp to 5% of SIUp to 5% of SI
    Other benefits
    Medical Second Opinion (MSO) for each new diagnosis of any of the major illnesses, in a policy periodOne MSOOne MSOOne MSO
    Good Health Incentives
    Cumulative bonusIncrease in SI by 5% of SI per year up to 50% of SIIncrease in SI by 5% of SI per year up to 50% of SIIncrease in SI by 5% of SI per year up to 50% of SI
    Health checkup (every 2 years irrespective of claims)Up to Rs.1,000Up to Rs.2,000Up to Rs.3,000
    Copayment
    Copayment of 20% of admissible claim if treatment undergone in non-network providerApplicableApplicableApplicable
    Optional covers
    Critical IllnessRs.2,00,000/ 3,00,000/ 5,00,000/ 10,00,000/ 15,00,000/ 20,00,000/ 25,00,000
    Outpatient TreatmentRs.2,000/ 3,000/ 4,000/ 5,000/ 10,000Rs.2,000/ 3,000/ 4,000/ 5,000/ 10,000Rs.2,000/ 3,000/ 4,000/ 5,000/ 10,000

    A complete health care package and with different variant options to choose from, one must consider National Mediclaim Plus to cover their family.

    Parivar Mediclaim

    National Insurance offers Parivar Mediclaim policy that provides protection to the insured and family against the financial burden of medical expenses. It covers the expenses of treatment in hospitals for illness/ disease/ accidental injury. It is a family floater plan wherein the entire family consisting of self, spouse & two dependent children (from 3 months to 25 years old) are covered under a single policy with a floater sum insured.

    Sum Insured (SI) / Coverage optionRs.2 lakh to Rs.5 lakh (in multiples of Rs.50,000)
    RenewabilityUp to the age of 65 years

    You can avail cashless claim facility through TPA. Total expenses payable for any one illness is restricted to 50% of the sum insured. All the premiums paid towards the policy covering self, spouse, dependent children and dependent parents are exempt from Income Tax under Sec. 80D of the Income Tax Act.

    National Mediclaim Policy

    The National Mediclaim policy covers hospitalization expenses incurred for due to the treatment of illness, disease or any bodily injury during the policy period. It also covers 140+ day care procedures/ surgeries. This is a family plan and dependent children between the ages of 3 months to 18 years can be covered.

    Sum Insured (SI) / Coverage optionRs.50,000 to Rs.5 lakh (in multiples of Rs.25,000)
    RenewabilityLifelong
    Policy TenureMinimum – 1 year and Maximum – 3 years
    Free Health Check-upsAfter every 4 No Claim years up to 1% of average SI of the block
    Other BenefitsCumulative Bonus: @5% of sum insured for each claim free year provided renewal is done without break. Ambulance Expenses: (per insured person, in a policy year) 1% of SI, subjected to the maximum of Rs.2,000.

    All the premiums paid towards the policy covering self, spouse, dependent children and dependent parents are exempt from Income Tax under Sec. 80D of the Income Tax Act.

    Claim Process of National Health Insurance

    Claim Process:

    • The first and foremost step is to inform and lodge a claim by contacting National Insurance on their Toll Free number - 1800 200 7710
    • Keep all your documents and details ready:
      • Always carry and use National Insurance Health Card
      • Provide your Identification details: Name of the insured, contact details, policy number, Passport/voter’s Id/PAN card at the time of claim

    Here’s the step-by-step process to lodge a claim. Understand Do’s and Don’ts’ to ensure your claim gets approved.

    Note:

    For any claim to be processed and approved you need to lodge a claim by intimating the company. It is advisable for speedy claim support contact directly instead of an email.

    Cashless Claim Process

    It gets you covered with the medical expenses of any treatment for sickness, illness or accident provided the treatment is carried out at the listed National Insurance Network Hospital.

    On approval of the claim the medical bills are directly paid by the National Insurance to the hospital.

    Important documents and details to be provided at the time of claim:

    • 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

    The policyholder needs to pay all the medical cost first and later National Insurance will reimburse the same. All the medical expenses bill are required to be submitted to get the reimbursement.

    In case of a reimbursement process, it is not mandatory to get treated in the National Insurance Authorized Hospital. The treatment can be carried out in any registered hospital.

    Important documents and details to be provided to get reimbursement:

    • 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

    Review of National Health Insurance

    National Insurance, is the oldest insurance company in India. One of the insurance company owned by Indian Government that was founded before Independence. And is planning to go public. Health Insurance policies by National Insurance provides a comprehensive coverage to protect yourself and your family in case of any medical emergencies. You can widen the scope of health insurance policy and also for cover critical illness by paying additional premium. National Insurance is a sure shot consideration for all family health insurance needs.

    Contact Details of National Health Insurance

    National Insurance Company Ltd.

    3, Middleton Street, P.B. No. 9229, KOLKATA 700 071.

    Contact number: 1800 200 7710

    Phone number: 033-22831705

    Fax: 033-22831712

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