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About National Health Insurance Plans

national insurance National health Insurance plans are highly sought because of the comprehensive coverage they provide. Although, majority of the National health insurance policies come with one year validity, some National health insurance policies come with validity of two years. Up to the age of 45, National health insurance plans don’t require medical tests. However, for people over 45 years of age have to submit medical form to avail National health insurance policy. The minimum and maximum age to apply for National health insurance policies is 18 and 65 years respectively. Parents can include their children up the age of 25 years in their National Health Insurance plans. Policyholder can avail cashless facility in any hospital in the network and their claims are reimbursed if they seek treatment in any hospital of their choices. The Sum Insured options for National health insurance plans are in the range of Rs. 1 Lakh to Rs. 5 Lakhs. None of the National health insurance plans impose a loading clause even if policyholders make any claim. National health insurance plans cover pre-existing ailments after completing 2 years, however, these policies don’t cover expenses of homeopathy and naturopathy treatments.

Health Insurance Policy Types

Senior Citizen

Healthcare costs are higher for aged people. Senior citizen health insurance plans help them financially to cope with increasing severity and frequency of illness.

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Critical Illness

Even without hospitalization, Critical illness policies approve claims and provide the Sum Insured amount on diagnosis of listed critical illnesses.

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Family Floater

Not only parents, spouse and children, family floater health insurance plans cover as many as 15 relationship.

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Individual

Individual health insurance plans are eligible for tax deductions under Income Tax act. Buy individual health insurance plan and Save tax and treatment costs.

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Group Mediclaim Policy

Group health insurance plans help companies look after their employees better and keep them safe and secured.

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National Private Car Insurance Policy comes with property and liability coverage to the registered owner of the vehicle.[read more]

National Two Wheeler policy provides both third party liability coverage and comprehensive coverage. Bike owners can buy National two wheeler policy online using their credit cards, debit cards or by net banking. [read more]

National Varistha Mediclaim Policy is designed to protect senior citizens from high treatment costs, covering critical illness treatment expenses.[read more]

Top Policies

National Insurance Parivar mediclaim plan is designed to safeguard an entire family. Policyholders just have to pay a single premium for the whole term of the National Insurance Parivar mediclaim policy. [read more]

National Insurance Mediclaim policy provides coverage for hospitalization of the insured people in the event of sickness or accident.[read more]

Upon diagnosis of as many as six diseases mentioned in the policy document, National Insurance Critical illness policy offers the total Sum Insured amount as a lump sum.[read more]

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National Insurance Company Limited is one of the oldest as well as the biggest general insurance companies in India. The company was founded in 1906 and in 1972 it became fully owned by central government of India. Based in Kolkata, the company is known for its vast array of tailor made, cost effective and comprehensive National insurance mediclaim plans online. Here is a list of National health insurance plans that families and individuals in India can buy.

  • National insurance Mediclaim Plan
  • National insurance Mediclaim Plus Plan
  • National Parivaar Mediclaim Plan
  • National Parivaar Mediclaim Plus Plan
  • Varistha Mediclaim Policy
  • Critical Illness Policy

Most National health insurance policies in India come with one year validity. However, National Insurance Company Limited designed some National insurance mediclaim policies with two years’ term which means these National health insurance plans are effective for two years before renewal.

In order to buy National health insurance plans, you need to pay a premium for your National insurance mediclaim policy. You can choose between 2 available options. You can either opt for online payment option or you can pay in cash right at your nearest branch of National Insurance Company Limited in India for premium of your National insurance mediclaim policy. If you select the online payment option you have three options to pay the premium of your National health insurance plan such as net banking, debit card and credit card.

You have to follow 3 simple steps to renew your existing National health insurance policy. The hassle-free process of paying online for renewal starts with signing into the portal of National Insurance Company Limited by entering your date of birth and policy number. Once you are logged in you have to choose your preferred payment option among net banking, debit and credit card and make the payment to renew your National health insurance plan in India. O nce the payment is successfully made you should save the soft copy of the receipt of premium deposit or get it printed to keep a hard copy. Alternatively, you can also renew National insurance mediclaim plan through GIBL. For that, you just have to call the toll-free number 1800-258-2584. You can also call this number to keep a track of the status of your National health insurance plan online or you can do it yourself by logging into the National insurance portal.

Policyholders buy National health insurance covers to use it to good effect in the hour of need. Hence, you should be aware of the right claim settlement process to avoid rejection at a crucial juncture. Firstly, you have to fill the claim form of your National insurance mediclaim policy up with correct information and send it to the company along with supporting documents to the Policy issuing office. After evaluating the claim form of your National insurance mediclaim policy your claim will be approved in a few days if no dispute arises.

  • National insurance mediclaim policies provide policyholders with tax benefit under Income Tax Act section 80D
  • Charges for diagnostic tests such as CT-Scan, MRI and the likes are covered in National health Insurance policies in India
  • Cashless claims of a National health policy is settled in network hospitals and for out of network hospitals claims are reimbursed
  • People in the age-group of 18 to 80 years in India can buy National health policy for individuals and National Insurance Company Limited designed its health insurance family policies for spouse and dependent parents and children under 25 years
  • You can buy National health insurance policies online and opt for Sum Insured is in the range of Rs.1 Lakh to Rs.5 Lakhs
  • No National health insurance policy in India come with loading clause even after claim on renewal
  • National health insurance policy covers maternity costs for first 2 children only after 1 year
  • National health insurance policy offers coverage for cataract surgery below 60 years up to Sum Insured
  • Mediclaim policies online by National Insurance Company Limited don’t require medical tests. But, people over the age of 45 need to submit self-declared medical form to be eligible for National insurance health insurance policy
  • National Insurance mediclaim policy provides coverage for pre-existing diseases only after 2nd year
  • Mediclaim policies online by National Insurance Company Limited don’t impose any co-pay for dependents or proposers up to 60 years. However, after 60 years 20% co-pay is applicable with every National insurance health policy
  • Dependent parents can claim up to 50% of National health insurance policy sum insured

If you want to call your online National health insurance plan off you have to fill up the surrender form and submit it to the nearest branch of National Insurance Company Limited along with all your policy documents. Once the branch accepts the form your National insurance mediclaim policy is canceled. Consequently, you will get the refunds credited in your account.

Free Look Period of National Insurance Health Insurance Plans

Mediclaim plans by National Insurance Company Limited come with a 15 days free look period. This period starts from the date of buying the National insurance mediclaim policy. In this period of time you can go through all the clauses of your chosen National insurance health insurance policy and in case you are not fine with any term or condition you can return the National health insurance policy. When you give back the National insurance mediclaim policy you will be eligible for a refund.

Naturopathy and homeopathy treatment are not covered in health insurance policies online by National Insurance Company Limited.