Comprehensive National Health Insurance Plans, are one of the premier health insurance products offered by National Insurance Company Limited. It is one of the oldest and most trusted government-backed (state-owned) general insurance companies in India.
What is a comprehensive health insurance plan?
A comprehensive health insurance policy cover is a 360O total full-fledged healthcare plan for you and your entire family. Under this policy, you can cover yourself, your spouse, dependent children, parents, and in some cases, even parents-in-law. The purpose of this plan is to provide financial assistance in case anything were to happen to you or your family due to an illness, accident, and emergency hospitalization. The financial cover is provided in the form of a sum insured that is utilized to cover the cost of medical/surgical treatment in a hospital. The same can also be availed in case of a severe sickness/illness.
Health insurance cover and sum insured are not the only selected benefits offered by a comprehensive health insurance policy cover. You can also avail of value-added benefits under your healthcare plan. Here are the key advantages of having a health insurance cover.
A comprehensive health policy will provide complete cover and financial protection against accidental incidents that require emergency hospitalization. The cover of medical expenses, hospital bills, doctor’s fees, and much more are easily covered under your mediclaim insurance. It is always advisable to have such a plan as a back-up.
Premiums paid towards health insurance policy coverage are eligible for deductions under Section 80D of the Income Tax Act, 1961. (Rs. 25,000 for the policyholder and his/her family members | Rs. 50,000 if the policyholder or spouse is 60 years of age or above | Additional deduction for parents of the policyholder; Rs. 25,000 if parents are less than 60 years or Rs. 50,000 if parents are above 60 years).
In case you cannot provide sufficient funds to meet the hospital bills, you can avail of a cashless facility. Under this feature, the hospital bill is directly cleared by the hospital and the insurer. You need not pay a single amount from your pocket.
A comprehensive health policy will protect you from critical and life-threatening illnesses. Such ailments can take a complete toll on your mental, emotional, physical, and financial state. Under a critical illness health cover, you will be given a fixed payout amount (lump sum) if diagnosed with any of the critical illnesses mentioned in the policy document. If you are prone to such ailments, it is advisable to purchase a critical illness cover today. renew National Health Insurance
Let us look at the key features and benefits of popular health policies offered by National Health Insurance in detail. Know more about these plans online on Coverfox.
| Criteria | Features and Benefits |
| Sum Insured | Rs. 50,000/- to Rs. 5, 00,000/- |
| Entry Age | 18 to 65 years |
| Eligibility | |
| Policy Term | |
| Treatment | Allopathy and AYUSH (Up to 100% of SI) |
| Emergency Ambulance | Covered up to sub-limit |
| Pre and Post Hospitalization | 15 days and 30 days |
| Cashless Facility | Only at a National Health Insurance Network Hospitals |
| What is Covered? | |
| What is Not Covered? |
Note: All information has been sourced from the official website of the respective insurer.
A comprehensive health insurance plan for an individual. The sum insured can be availed in multiple options between the range of Rs. 2,00,000 to Rs. 50,00,000 under three plan options. You also have the option to port your policy.
| Criteria | Features and Benefits |
| Sum Insured | |
| Entry Age | 18 years to 65 years |
| Eligibility | |
| Premium | Depends on age, the sum insured, and optional covers |
| Treatment | Allopathy and AYUSH (Up to 100% of SI) |
| Emergency Ambulance | Ambulance (including Air Ambulance) Charges and Organ Donor’s expenses |
| Pre and Post Hospitalization | 30 days and 60 days respectively |
| Cashless Facility | Only at network hospitals |
| What is Covered? | |
| What is Not Covered? |
Note: All information has been sourced from the official website of the respective insurer.
A health insurance cover if you are traveling outside India for the purpose of work or a vacation.
| Place of Visit | Worldwide Travel excluding USA/Canada (USD - $) | Worldwide Travel including USA/Canada (USD - $) |
|---|---|---|
| Type of Cover | A1 - A2 | B1 - B2 |
| Section – A Illness, medical evacuation, repatriation, | 50,000 - 2,50,000 | 1,00,000 - 5,00,000 |
| Section – B Personal Accident & disablement | 10,000 - 25,000 | 25,000 - 25,000 |
| Section – C Loss of Checked Baggage | 1,000 - 1,000 | 1,000 - 1,000 |
| Section – D Delay of Checked Baggage | 100 - 100 | 100 - 100 |
| Section – E Loss of Passport | 150 - 250 | 250 - 250 |
| Section – F Third-Party Bodily Injury & Property damage | 2,00,000 - 2,00,000 | 2,00,000 - 2,00,000 |
| What is Not Covered? | - |
Note: All information has been sourced from the official website of the respective insurer.
If you are looking for a comprehensive mediclaim or health insurance cover plan, Health Insurance offered by National Insurance Company Limited is an excellent option. Get complete details online on Coverfox.
