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Health Insurance

National Health Insurance

National Insurance Network Hospital

National Health Insurance network hospital - list is a comprehensive list of cashless (public-private network) hospitals across India. The list is available on the official website of the National Insurance Company.

By default, every Health Insurance Companies has a tie-up with multiple hospitals across the country for cashless facilities. A cashless facility is a feature under which you, as a policyholder, are not required to pay for the treatment expenses, medical bills, and hospitalization expenses from your own pocket. The entire bill is settled directly with the insurer via the Third Party Administrator or the company’s in-house claim settlement team. The Third Party Administrator or TPA is the intermediary between you and the network hospital.

Majorly there are three types of health insurance policies in India that see:

Cashless Individual Health Insurance - This is a health policy cover that provides a cashless insurance facility to individual policyholders only. It can be availed across any network hospital as mentioned in the policy document.
Cashless Family Health Insurance - As the name suggests, this is a health insurance cover that provides cashless features to the policyholder's entire family. Anyone of the family members can avail of the cashless facility at a network hospital by simply furnishing the insurance company's health card.
Senior Citizen Cashless Health Insurance - A senior citizen, health insurance coverage policy, is designed for individuals over and above 65 years. Senior citizens have special needs. Keeping this in mind, this plan provides a cashless facility to all senior citizens with a senior citizen healthcare plan.

Benefits of Cashless Health Insurance

The scope of cover under a cashless facility varies from one insurance provider/plan to another. Here is a standard list of things that are part of a cashless facility.

Covers expenses related to in-patient hospitalization for more than 24 hours
You do not have to pay a single penny from your own pocket, provided you are admitted to a network hospital

The cashless facility comes with No Claim Bonus

Includes expenses related to emergency ambulance transportation and evacuation

Offers hospital daily cash benefit

Covers expenses related to pre and post hospitalization expenses, up to a certain period of time

Provides cover for domiciliary treatment and organ donor/transplant expenses

How will Cashless National Health Insurance Help You?

Cashless facilities for National Health Insurance can be of great help in case you or any of your family members meet with an accident that requires emergency hospitalization. There might be an instance where you may not have sufficient money in your account to meet the hospital bills. Lack of funds means that you will have to take a loan and incur financial debt for the rest of your life. This can be avoided with the help of a cashless health insurance policy. It will help you make good use of your health cover and sum insured.

Note: All information has been sourced from the official website of the respective health insurance provider.

National Insurance Company has an extensive list of cashless network hospitals across India in the following cities:

Ahmedabad
Bengaluru
Chandigarh
Chennai
Coimbatore
New Delhi
Hyderabad
Indore
Jaipur
Kolkata
Mumbai
Pune

You can access the complete list (City-wise list of Private Public Network Hospitals) here: nationalinsurance.nic.co.in/en/health-insurance/city-wise-list-ppn-hospitals

National Insurance Company of India is one of India's oldest and leading public sector (state-owned) insurance providers. The company offers a wide range of insurance products such as Motor Vehicle Insurance, Personal Accident Cover, Householders' Insurance, Shopkeepers' Insurance, Life Insurance, Agricultural implements, Rural Insurance covering Livestock, Industrial & Commercial Insurance, Protection against fire and natural calamities and more.

Articles on National Insurance

Top Benefits - National Insurance Company

Here are the key highlights of the National Insurance Company. The claim settlement ratio has been sourced from the annual report filed by IRDAI for FY 2018-19. The waiting period depends on the type of policy you have selected.

Incurred Claims Ratio for FY 2018-19	115.15%
Renewability	Lifelong Renewal Option
Cashless Claim Facility	Available
Pre-existing Disease Coverage	Post 4 policy years
Grievances Solved	97.07%

Note: All information has been sourced from the official website of the respective insurer.

Health Plans by National Insurance Company

Let us look at the key features and benefits of two of the most popular health plan offered by National Insurance Company Limited.

National Health Insurance Corona Kavach Policy

Criteria	Features and Benefits
Sum Insured	Rs. 50,000/- to Rs. 5, 00,000/-
Entry Age	18 to 65 years
Eligibility	self (proposer) legally wedded spouse parents and parents-in-law dependent children (i.e., naturally or legally adopted) between the age day 1 to 25 years
Policy Term	3 ½ months or 105 days 6 ½ months or 195 days 9 ½ months or 285 days
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 National Health Insurance Network Hospitals
What is Covered?	Home care treatment expenses COVID claims with/without pre-existing co-morbid conditions No sub-limits for room rent, doctor’s fees, medicines, diagnostics, etc PPE Kit, gloves, mask, cost of a Pulse oximeter, Oxygen cylinder, nebulizer, etc Hospital daily cash of 0.5% of SI 5% discount for health care workers and professionals; 10% discount for online policy
What is Not Covered?	Pre-existing diseases will only be covered ost the waiting period. Rest Cure, rehabilitation and respite care Any form of unproven treatments/unauthorized treatment Any form of investigation or medical evaluation Dietary or weight loss supplements COVID-19 claims diagnosed prior to policy inception Any form of daycare treatment or Out Patient Department Treatment conducted outside India Treatment unauthorized by the Government of India

National Mediclaim Plus Policy

Criteria	Features and Benefits
Sum Insured	Plan A – 9 slabs, Rs. 2 lakhs to Rs. 10 lakhs in multiple of Rs. 1 lakh Plan B – 3 slabs, Rs. 15 lakhs/Rs. 20 lakhs/Rs. 25 lakhs Plan C – 3 slabs, Rs. 30 lakhs/Rs. 40 lakhs/Rs. 50 lakhs Rs. 2,00,000 to Rs. 50,00,000/-
Entry Age	18 years to 65 years
Eligibility	self (proposer) legally wedded spouse parents and parents-in-law dependent children (i.e., naturally or legally adopted) between the age day 1 to 25 years
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?	Room Rent/ICU charges, Medical practitioners, surgeon, anesthetist, consultants, specialist’s fees, and other charges 12 Modern treatments like Robotic surgery, oral chemotherapies, immunotherapies and etc Treatment for morbid obesity post waiting period Correction of eyesight, i.e., refractive errors above -7.5 D post waiting period Treatment-related to participation as a non-professional in hazardous or adventure sports Mental illness, HIV/AIDS, Genetic disorders Cataract surgery Doctor’s home visit and nursing care Maternity and New Born Cover (From birth), Vaccination for children Hospital cash benefit & Medical Emergency Reunion Critical Illness and Out-patient Treatment Lifelong Renewability Option and Health Port Facility
What is Not Covered?	Pre-existing diseases are not covered till the waiting period is over. Change-of-Gender Treatments, Cosmetic or Plastic Surgery, Excluded Providers Vitamins, Tonics Drug/alcohol abuse, Any form of Self-Inflicted Injury/Suicidal Tendencies Non-Prescription Drug Home visit charges Dental Treatment Outpatient Treatment Department

Note: All information has been sourced from the official website of the respective insurance company.

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Mediclaim Plans starting @ Rs 350* / month

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How to Make a Cashless Claim for National Health Insurance?

To help you understand the same, we have created a step-by-step guide that will help you with the entire process of making a cashless claim at your nearby PPN hospital.

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 Simple Words,

A cashless health insurance policy cover will ease your financial burden. It is designed to help you in the toughest of times. With a cashless facility, you need not dip into your life-savings. In short, it is advisable to purchase a comprehensive national health insurance policy that comes with a cashless facility.