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NIC (National Insurance Company Ltd.) is the one of the oldest general insurance companies in India. It was incorporated in Kolkata on 5th December, 1906 to fulfil the nationalist aspiration for Swaraj. As of this date, it is merged along with 21 foreign and 11 Indian companies to form National Insurance Company Ltd. NIC is one of the 4 subsidiaries of the Govt. owned General Insurance Corporation of India.
NIC is rated as AAA by CRISIL for its financial strength.
Being the oldest insurance company of India, and the only PSU General insurance company, NIC is well-known for 'Best in Service' in the motor and health plans. NIC offers many health plans to cater different segments of customers as per their needs. Health Plans cover individuals and their families.
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 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 option||Rs.1 lakh to Rs.10 lakh (in multiples of Rs.1 lakh)|
|Policy Tenure||Minimum – 1 year and Maximum – 3 years|
|Free Health Check-ups||After every 4 No Claim years up to Rs.5,000|
|Capping on any one illness||No capping|
|Pre-existing Diabetes and Hypertension||Covered up to the full 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 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 A||Plan B||Plan C|
|Sum Insured (SI) / Coverage option||Rs.6/7/8/9/10 lakh||Rs.15/20/25 lakh||Rs.30/40/50 lakh|
|Policy Tenure||Minimum – 1 year and Maximum – 3 years||Minimum – 1 year and Maximum – 3 years||Minimum – 1 year and Maximum – 3 years|
|Capping on any one illness||No capping||No capping||No capping|
|Other Benefits||Maternity (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 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 :
|Features||Plan A||Plan B||Plan C|
|Sum insured (SI)||Rs.2/ 3 /4 / 5/ 6/ 7/ 8/ 9 /10 Lakh||Rs.15/ 20 /25 Lakh||Rs.30/ 40/ 50 Lakh|
|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.15,000||Up to Rs.20,000|
|Limit for cataract surgery (for each eye)||Up to 15% of sum insured or Rs.60,000 whichever is lower||Up to Rs.80,000||Up to Rs.1,00,000|
|Maternity||Up to Rs.30,000 for normal delivery and Rs.50,000 for caesarean section||Up to Rs.60,000 for normal delivery and Rs.75,000 for caesarean section||Up to Rs.80,000 for normal delivery and Rs.1,00,000 for caesarean section|
|Hospital cash per day (max. of 5 days)||Rs.500||Rs.800||Rs.1,000|
|Ambulance (in a policy period)||Up to Rs.2,500||Up to Rs.4,000||Up to Rs.5,000|
|Air ambulance (in a policy period)||Not covered||Up to 5% of SI||Up to 5% of SI|
|Medical Second Opinion (MSO) for each new diagnosis of any of the major illnesses, in a policy period||One MSO||One MSO||One MSO|
|Good Health Incentives|
|Cumulative bonus||Increase in SI by 5% of SI per year up to 50% of SI||Increase in SI by 5% of SI per year up to 50% of SI||Increase in SI by 5% of SI per year up to 50% of SI|
|Health checkup (every 2 years irrespective of claims)||Up to Rs.1,000||Up to Rs.2,000||Up to Rs.3,000|
|Copayment of 20% of admissible claim if treatment undergone in non-network provider||Applicable||Applicable||Applicable|
|Critical Illness||Rs.2,00,000/ 3,00,000/ 5,00,000/ 10,00,000/ 15,00,000/ 20,00,000/ 25,00,000|
|Outpatient Treatment||Rs.2,000/ 3,000/ 4,000/ 5,000/ 10,000||Rs.2,000/ 3,000/ 4,000/ 5,000/ 10,000||Rs.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.
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 option||Rs.2 lakh to Rs.5 lakh (in multiples of Rs.50,000)|
|Renewability||Up 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.
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 option||Rs.50,000 to Rs.5 lakh (in multiples of Rs.25,000)|
|Policy Tenure||Minimum – 1 year and Maximum – 3 years|
|Free Health Check-ups||After every 4 No Claim years up to 1% of average SI of the block|
|Other Benefits||Cumulative 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.
Here’s the step-by-step process to lodge a claim. Understand Do’s and Don’ts’ to ensure your claim gets approved.
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.
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:
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:
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.