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About National Insurance Mediclaim Policy

national insurance National Insurance Mediclaim policy is one of the most popular health insurance policies provided by National Insurance Company Limited. National Insurance Mediclaim policy provides coverage for hospitalization of the insured people in the event of sickness or accident. Aside from covering expenses for treatments that require 24 hours hospitalization, National insurance Mediclaim Policy also covers day care procedures. To buy National Insurance Mediclaim policy, people in the age-group of 18-59 years can apply. Parents can also include their children in the age-group of 3 months to 18 years in their family National Insurance Mediclaim Policy. Polciyholders can renew National Insurance Mediclaim policy up to the age of 80. However, if they continue with the National Insurance Mediclaim policy for 5 consecutive years before reaching 80 years, they can renew the National Insurance Mediclaim policy till 90 years of age. The term of National Insurance Mediclaim policy is 1 year which means policyholders have to renew their National Insurance Mediclaim policy every year. The minimum Sum Insured amount for the National Insurance Mediclaim policy is Rs. 5000 and the maximum amount is Rs. 5 Lakh. National Insurance Mediclaim policy is available for both individuals and families.

Health Insurance Policy Types

Senior Citizen

Health Insurance plans which are specially designed to meet the needs of elderly people are known as Senior Citizen health insurance plans.

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Critical Illness

Critical Illness Plans help cope with the financial burden that arises due to exorbitant treatment costs of fatal diseases mentioned in Critical Illness policy.

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Family Floater

Family floater health insurance offers protection to a whole family for a single premium. The Sum Insured is shared by all family members included in the Family floater health insurance plan.

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Individual

Individual health insurance policies cover treatment expenses of an individual up to the Sum Insured for a particular policy year.

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Group Mediclaim Policy

A group health insurance plan covers a particular group of people usually professionals oremployees of same company.

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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]

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The National Insurance Mediclaim policy is one of the best online National health insurance policies offered by National Insurance Company Limited. This mediclaim policy covers hospitalization expenses for treatment of illness or injury of the insured persons. This type of National health insurance policy also offers coverage for over 140 day care procedures or surgeries.

National Insurance Company Limited has come up with this mediclaim policy to provide financial support in the unfortunate event of hospitalization of the case the insured due to illness or accident.

National Insurance Company Limited has imposed some criteria to avail this mediclaim policy. The minimum and maximum ages to apply for this mediclaim policy are 18 years and 59 years respectively. Maximum renewal age is 80 years for this mediclaim policy which means insured people cannot renew this National health insurance plan after the age of 80. However, the renewal age can be extended to 90 years if the insured continue with the mediclaim policy for a minimum of 5 years before attaining age of 80 years. And, it also requires special approval from National Insurance Company Limited to renew this National health insurance beyond 80 years of age. National Insurance Company Limited has set varied coverage types for this mediclaim policy such as individual coverage and whole family coverage. The term of this one of the best National health insurance plans is of 1 year. The available sum insured amount for this mediclaim policy is in the range of Rs. 5000 and Rs. 5 Lakh. Dependent children in the age group of 3 months and 18 years can also be covered under this mediclaim policy if at least one of the parents is covered. Dependent parents can be included in the coverage of this National Insurance mediclaim policy with the family. National Insurance Company Limited has designed this mediclaim policy for both individuals and families.

Who Can Buy National Insurance Mediclaim Policy?

This National health insurance policy can be bought by any individual who satisfies the age limit. One can buy National Insurance mediclaim policy for himself or for his family. After buying, the renewal of the mediclaim policy can also be done online.

The one of the best National health insurance plans covers hospitalization for treatment of disease or injury of the insured persons. This online mediclaim policy offered by National Insurance Company Limited also covers 140+ day care procedures or surgeries.

Aside from covering hospitalization expenses and day care, this online health plan in India by National Insurance also covers ambulance charges and organ donors’ hospitalization expenses. Those who avail this online National Insurance mediclaim policy can choose to go for or against cashless facility. If policyholders don’t avail cashless treatment, they are entitled to 6% premium discount when they buy or renew this mediclaim policy.

Key Benefits of National Insurance Mediclaim Policy

The National Insurance mediclaim policy offers the following benefits.
  • This online mediclaim policy by National Insurance Company Limited covers Room, nursing and boarding expenses up to 1% of the chosen sum insured per day and up to 2% of the chosen sum insured per day for ICU charges. This coverage is subject to a maximum limit of 25% of the sum insured.
  • This mediclaim policy by National Insurance Company Limited also covers expenses like fees of anesthetist, surgeon, consultant, medical practitioner and specialist up to a maximum limit of 25% of the chosen sum insured.
  • This National health insurance plan further covers expenses due to anaesthesia, oxygen, blood, charges for operation theatre, surgical appliances, diagnostic material, medicines , X-ray, , chemotherapy, dialysis, radiotherapy and cost of artificial limbs, pacemaker. The health plan by National Insurance also covers organs’ cost, organ donors’ hospitalization and similar expenses up to the maximum limit of 50% of the sum insured.
  • This National Insurance mediclaim policy also covers ambulance charges up to 1% of the chosen sum insured up to a maximum of Rs. 2000.
  • This National health insurance policy covers Homeopathy and Ayurveda treatment costs. The mediclaim policy covers any one specific illness treatment cost up to 20% of the chosen sum insured.
  • This mediclaim policy in India also covers 140+ day care procedures which require hospitalization for less than 24 hrs.
  • National Insurance Company Limited appreciates policyholders with good health by providing incentives. The mediclaim policy offers cumulative bonus of 5% of the chosen sum insured for every claim free policy year on renewal. However, policyholders need to renew the online National health insurance plan without any break. Policyholders also get the expenses due to health check-up reimbursed, but they have to renew the mediclaim policy for 4 continuous years without making any claim. Without continuous renewal, cumulative bonus is not available.
  • National Insurance Company Limited offers cashless facility available in over 600 hospitals in the network of National Insurance across India.
  • National Insurance online mediclaim policy in India also offers 10% discount on total premium if policy is bought for family. Ideally, a National health insurance plan covers an entire family that consists of the insured and spouse and dependent parents and children.
  • Premium of this online mediclaim policy in India paid for self, spouse, dependent parents and children are exempt from Income Tax according to Income Tax Act in India.

  • This mediclaim policy in India can be bought online
  • The National health insurance online plan offers a premium discount if policyholders do not want to avail cashless facility
  • The online mediclaim policy by National Insurance Company Limited in India can be extended till 90 years if policyholders renew this health plan for 5 years before the age of 80 years.
  • Premium of this National health insurance online policy paid is exempt from Income Tax according to Income Tax Act in India.

  • The benefits of this National health insurance online plan in India come in sub-limits
  • The maximum renewal age is limited to 80 years for those who don’t renew this National Insurance for 5 years in a row before the age of 80.

  • National health insurance online plan in India offers 5% No Claim Bonus for each claim free year up to a maximum of 50%
  • Medical Check Up is mandatory before availing National Insurance mediclaim policy people who are 50 years old and above. The insured needs to bear the cost of medical check-up.

National Insurance Company Limited may cancel the mediclaim policy. National Insurance needs to give a 30 days’ notice before cancelling their online mediclaim policy in India. Insurers also can cancel the National health insurance policy. In that case, National Insurance Company Limited need to refund the premium in the proportion mentioned in the mediclaim policy document.

  • Except accidental claims, other claims wouldn’t be paid during the initial 30 days of the National health insurance mediclaim policy.
  • To cover pre-existing diseases, policyholders need to renew National Insurance mediclaim policy for 48 months continuously.
  • Some specific diseases/ treatments are covered by this National health insurance online plan after Waiting periods of 1 or 2 years
  • National health insurance online plan in India doesn’t cover HIV/ AIDS/ STD etc
  • National health insurance online plan in India doesn’t cover pregnancy, obesity, hormone replacement, cosmetic treatment and treatments of genetic disorders.
  • National health insurance online plan in India doesn’t cover psychosomatic and psychiatric disorders
  • National health insurance online plan in India doesn’t cover disease or accidental injuries due to drug or alcohol abuse
  • National health insurance online plan in India doesn’t cover dental treatment, cost of hearing aid , contact lenses, cochlear implants and spectacles
  • National health insurance online plan in India doesn’t cover hospitalization expenses mainly for diagnostic reasons.

You can buy the National Insurance Mediclaim policy online in India if you are satisfied with the features that the policy gives. You can buy National health insurance plan online in India from the portal of the National Insurance Company Limited and also from GIBL.IN.