A national insurance health plan for family is a family health insurance coverage policy offered by National Insurance Company Limited. A National Insurance Company Limited is the oldest general insurance company in India. The company has over 1730 offices and more than 13000 skilled employees and over 50000 Agents in India.
With a National insurance health plan for your family, you need not worry about the cost of medical treatment and emergency hospitalization. The National Health Insurance will take care of the financial obligations arising out of the same, for each and every member of your family. Here is a list of key benefits of a National Insurance health plan for Family:
| Type | Benefit |
|---|---|
| Comprehensive Cover | National insurance family floater plans provide cover for accidental incidents that require emergency hospitalization. This is for each member of your family. |
| Save Tax | Premiums paid towards National insurance health plan for the family is eligible for deductions under Section 80D of the Income Tax Act, 1961
|
| Cashless Facility | National insurance health for family comes with a cashless payment option. Under this feature, the hospital bill is directly cleared by the hospital and the insurer. |
| Critical Illness Cover | Get cover for critical illnesses and life-threatening diseases. Under this cover, you will be given a fixed payout amount (lump sum) if diagnosed with any of the critical illnesses mentioned in the policy document. |
| Buy Online | You can buy, compare, and renew National insurance health plans for the family online on Coverfox at the best premium payment quote. |
How will the National Insurance health plan for Family Help You?
When it comes to taking care of your family members, there should be no room for compromise. A health cover plan from National Insurance will provide complete protection against medical emergencies. With a medical insurance plan , you do not have to spend your life-savings on the cost of hospital treatment.
There are two comprehensive national health insurance plans for your family by National Insurance Company. The policies can be availed on an individual as well as family floater basis.
| Criteria | Features and Benefits |
|---|---|
| Plan | |
| 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 National Insurance Company.
Here is a step-by-step guide that will help you with the entire process of making a cashless/reimbursement claim
A cashless claim can be availed in case of an emergency hospitalization or a pre-planned hospitalization
You need to get admitted at a network hospital and furnish your cashless card and KYC details for pre-authorization by the insurer or its authorized TPA
You have to duly fill the cashless claim application form with details from the network hospitals and TPA and send it to the insurer for authorization
Your insurer will go through the relevant documents along with the medical information and cashless claim application form. Post verification, the pre-authorization letter will be issued to the hospital
Once your treatment is complete, you only need to pay for non-medical and inadmissible expenses and sign the discharge card
Note: If you are unable to provide the necessary medical bills and documents, the insurer has every right to reject your cashless claim application
In case of reimbursement, you need to submit all the relevant bills and documents to the insurer after getting discharged from the hospital.
A national insurance health plan for your family is an excellent form of providing health insurance coverage options. Get top premium payment quotes for National Insurance Health plans.
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