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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]

National Insurance Mediclaim Plus Policy not only covers hospitalization costs, but also pays out for Ayurvedic and Homeopathic treatments along with Allopathic treatments in India. [read more]

National Insurance is the oldest company in India dealing with general insurance. The company offers a wide range of quality general insurance plans at affordable prices and National health insurance policies are among them. National Insurance mediclaim plans are designed for individuals, families and senior citizens. The following is a list of all available National health insurance policies in India that you can choose from and buy the best National Insurance mediclaim plan as per your requirement and budget.

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

National Insurance is the oldest company in India dealing with general insurance. The company offers a wide range of quality general insurance plans at affordable prices and National health insurance policies are among them. National Insurance mediclaim plans are designed for individuals, families and senior citizens. The following is a list of all available National health insurance policies in India that you can choose from and buy the best National Insurance mediclaim plan as per your requirement and budget.

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

  • When you buy National insurance mediclaim policy, the premium you pay for your National health insurance plan is eligible for tax deduction in India
  • National health Insurance policies in India covers the costs of various diagnostic tests like CT-Scan, MRI etc
  • When you buy National health insurance policy, you can seek cashless treatments in all the hospitals in the network of National Insurance in India
  • You can avail treatments in other hospitals as well and in that case you have to make a claim on your National health insurance policy to get the expenses reimbursed
  • Individual National health insurance policies are designed for people between 18 and 80 years in India and family National health insurance policies include spouse, dependent children under 25 years in the coverage
  • National insurance health insurance policies are available online and one can buy National health insurance plan selecting coverage amount between Rs.1 Lakh and Rs.5 Lakhs.
  • National health insurance policy doesn't impose claim loading feature even after making a claim and that's why these are the best health policies in India
  • A National health insurance policy offers coverage against maternity expenses after 1 year for first 2 children
  • The best National Insurance health insurance policy covers cataract surgery costs up to Sum Insured below 60 years
  • National Insurance Mediclaim policies don’t need pre-medical tests. But, people who are 45 years old and above need to put forward medical forms declared by themselves to buy National insurance health insurance policy in India
  • Best National Insurance mediclaim policies provide pre-existing disease coverage after 2nd year only
  • Best National health insurance plans don't impose any co-pay up to 60 years. 20% co-pay comes with every National insurance health policy after 60 years only
  • Dependent parents who are included in the coverage of National Insurance health insurance policies can make claims only up to 50% of the selected Sum Insured.

It takes 3 easy steps to complete the National health insurance policy renewal process. First of all, you have to visit the National Insurance portal. Then, you have to enter some details like your date of birth and your existing National Insurance health insurance policy number. Since, you can buy and renew a National health insurance plan online in India, you have to make online payment by net banking or by using your debit or credit card to renew your National Insurance health insurance plan in India. After making the payment, you have to keep soft copy of the premium deposit receipt saved and printed to keep a hard copy. Finally, when your new National Insurance mediclaim policy is issued and sent to you you are done with the renewal process. The renewal process is as hassle-free as the process you follow to buy the best National health insurance plan online.

It is crucial for all National Insurance mediclaim policyholders to be aware of the right ways to make a claim because that's what they buy National health insurance plans for. If you make a valid claim on your National Insurance health insurance plan, your claim will not be rejected. You have to provide right information while filling up the claim form and provide supporting documents. Your claim will be evaluated afterward and approved if it is considered as a valid claim.

All National Insurance Mediclaim plans come with a free look period of 15 days starting from the inception of the National insurance health insurance policy. You need to go through the documents of your chosen National insurance health insurance policy in the free look period so that you can return the National health insurance policy if you don't want to continue with the policy. If you return your National insurance mediclaim policy you will get a refund.

In case you think the National Insurance health insurance plan that you have invested to buy is not the best health plan for you in India, you can cancel it during the free look period. You just have to submit a surrender form filled up with required information alongside your National health insurance policy document. You will get refund on the premium you paid on the National Insurance health insurance once your National Insurance mediclaim policy is canceled. Then you can look for the best health insurance plan in India for you again.