National Insurance Health Insurance Plans

Company Overview

The National Insurance Company is the oldest general insurance company in India, incorporated in the year 1906. It is the first insurance company which introduced Product customization to both corporate and rural customers. The company has a workforce of 14,902 skilled personnel and has a Pan India presence with 1998 offices. The National Insurance Company is India’s 2nd largest non-life insurer, in terms of gross direct written premiums. It enjoys financial strength rating of ‘C++’ and issuer credit rating of ‘b’.

The Claim Settlement Ratio of the company for the year 2018-19 is 109.94%.

Key Points of National Health Insurance

Policy Renewability	Lifetime
Health Cover	Individual & Family Floater
Network Hospitals	6000+ hospitals
Claims Ratio	109.94%
Maternity Cover	Yes

Snapshot Of National Insurance Health Insurance Plans

Plan Name	Plan Type	Min/Max Age	Min/Max SI	Availability	Plan Tenure
National Parivar Mediclaim	Individual/Family Floater	Adult: 18 years– 65 years Child: 3 months – 23 years	Min SI: 1 Lakh Max SI: 10 Lakh	Offline	Min: 1 year Max: 3 years
National Parivar Mediclaim Plus	Individual/Family Floater	Adult: 18 years– 65 years Child: 3 months – 23 years	Min SI: 6 Lakh Max SI: 50 Lakh	Offline	Min: 1 year Max: 3 years
National Mediclaim Plus Policy	Individual/Family Floater	Adult: 18 years– 65 years Child: 3 months – 23 years	Min SI: 2 Lakh Max SI: 50 Lakh	Offline	Min: 1 year Max:
Parivar Mediclaim Policy	Individual/Family Floater	Adult: 18 years – 60 years Child: 3 months – 23 years	Min SI: 2 Lakh Max SI: 5 Lakh	Offline	Min: 1 year Max:
National Mediclaim Policy	Individual/Family Floater	Adult: 18 years– 65 years Child: 3 months – 23 years	Min SI: 50,000 Max SI: 5 Lakh	Online	Min: 1 year Max:

Reasons for buying National Health Insurance Plans

Everyone like to secure family’s health and at times, when medical treatment is extremely costlier, it would be an imperative choice to buy a health insurance plan that covers family’s healthcare needs. National Insurance Company Limited offers health insurance plans that cover you against any medical exigencies.

Main USP’s of National Health Insurance Plans are:

Comprehensive health cover for you & your family
No pre-policy medical check-up up to 49 years of age
Maternity cover available
Add-on covers available to enhance health cover
24x7 claims assistance
Cashless hospitalization in over 6000 network hospitals
Discounts for choosing longer policy term and avail family discount
Buy health plans online & offline
Lifelong renewability is available under he plans

Key Benefits of National Health Insurance Plans

In-patient hospitalization expenses such as hospital room rent, ICU, Anaesthesia, blood, oxygen, operation theater charges, etc. are covered
Pre Hospitalization expenses incurred before hospitalization are covered for 30 days
Post hospitalization expenses incurred after hospitalization are covered for 60 days
Listed day care procedures are covered
Domiciliary treatment expenses are covered
Organ donor expenses incurred
Anti Rabies vaccination is reimbursed
Medical expenses incurred towards treatment of infertility are covered
Vaccination for children is covered, subject to limits specified
Ayurveda and Homeopathy treatment expenses are covered up to the limits specified
Tax benefits are available towards the premiums paid under section 80D of the Income Tax Act, 1961

Value Added Benefits under National Health Insurance Plans

Get no claim discount of 5% on the base premium for each claim free policy year
Sum Insured enhancement at the policy renewal
Medical Second Opinion is provided, depending on the plan chosen
Emergency ambulance charges, including air ambulance are covered
Doctor’s Home Visit and Nursing Care allowance is available
Expenses incurred towards Ayurveda and Homeopathy treatment are covered
Health check-up is covered after every 4 continuous claim free years, up to the limit specified
50% cost of pre-policy medical check-up is reimbursed
OPD, critical illness, Pre-existing diabetes/hypertension cover is available as add ons
Medical emergency reunion is covered
Get daily hospital cash benefit

(Note: The health plan benefits, features, specifications may differ from one to another)

National Health Insurance Coverage

Sum insured is the cover amount which will be paid by the National Health Insurance plan towards the medical expenses incurred due to hospitalization. With national insurance mediclaim, the company will cover you against these expenses, provided you have paid all the due premiums till date. You are recommended to pick a right sum insured, so that your medical cost is adequately covered under the chosen health insurance.

National Health Insurance Claim

National Insurance Company will cover the medical-related expenses through cashless and Reimbursement of claim.

Cashless Claim: In order to get the cashless hospitalization, you need to get hospitalized with one of the network hospitals of National Insurance Company. You can just check the hospital list and pick a nearby network hospital to avail cashless hospitalization.

Reimbursement Claim: When you get hospitalized in a hospital other than the non-network hospitals, National Insurance Company will cover the medical expenses. In order to settle the medical bills, you need to submit the medical bills and other documents as asked by the insurance company.

Documents to be submitted for Claims

The following documents need to be submitted with the National health insurance claim form.

First doctor’s prescription
Hospital bills
Related treatment prescriptions
Diagnostic reports
Discharge from hospital
FIR copy, if any
Patient’s identity card
Copy of health card

Calculate National Health Insurance Premium

Under a national insurance mediclaim policy, coverage available is the sum insured that will pay for your hospitalization expenses. To get the health cover, you need to pay the premium which differs from one insurer to the other. There are some determining factors for health insurance premium like age of the insured, current health condition, tobacco habits and sum insured chosen.

Different insurance policies have different premium that need to be paid for availing the health cover. You can determine the premium amount with the help of health insurance premium calculator. You can also check the premium chart to identify the premium you need to pay for getting a health insurance cover at a specific age.

National Health Insurance Review

National Health Insurance Company offers various health plans that provide cover towards the hospitalization expenses. You will also obtain coverage for day care procedures, domiciliary hospitalization, ambulance charges, etc. Health plans from National Insurance also offer cover for Ayurveda and Homeopathy treatment. The critical illness cover & other benefits are also available, depending on the plan chosen.

National Health Insurance- FAQ’s

How to pay the policy premium?

For National insurance company, you can make the premium payment through two different modes.

Online Payment: For online premium payment mode, you have the option to pay through credit card, debit card & net banking.

Cash payment at branch: You need to visit the National insurance branch and pay the premium amount in cash.

How can I check the status of National health insurance policy?

By logging to National health insurance website, you can check the policy status online by entering the required details such as policy number, date of birth or registered mobile number.

What is the policy renewal process of National health insurance?

For renewing a health policy, you need to visit National health insurance website homepage. On the website, you can calculate the premium amount and proceed for the payment. The policy is renewed instantly, as soon as the premium payment is done.

What is the process of National Insurance to settle the health insurance claims?

To get the health claim, you need to send the completely filled claim form to the insurance company and furnish other required documents as well. After acceptance of the documents by the insurance company, your claim is settled within a specified duration.

Is there any tax benefit on National health insurance plans?

The premium amount you pay for covering you & your family under National insurance mediclaim plan is considered for tax benefit under section 80D of the Income Tax Act 1961.