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Get the Best Health Insurance Plan Online in India

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Most Popular Policies of National Insurance

  • National Insurance Mediclaim Policy
    The National Mediclaim Policy comes with 1 year tenure and the sum insured range between Rs. 50,000 to Rs. 5 lakhs.
    key features of National Mediclaim Policy
    • Lifelong renewal option
    • coverage for Ayurveda and Homeopathic treatment
    • SMS alert for claim updates
    • sum insured increases by 5% for every claim free year
    • 50% reimbursement of pre-policy check-ups cost upon acceptance
    Buy now
  • National Insurance Parivar Mediclaim Policy
    National Insurance Parivar Mediclaim plan offers coverage for expenses due to hospitalization and treatment of the entire family of the proposers.
    key features of National Parivar Mediclaim plan
    • Coverage for existing hypertension and diabetes with additional premium
    • Coverage available for expenses like X-ray, Chemotherapy, Dialysis, Radiotherapy
    • Coverage for expenses before hospitalization up to 15 days
    • Coverage for expenses after hospitalization up to 30 days
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  • National Insurance Varistha Mediclaim Policy
    National Varistha Mediclaim policy covers certain critical illness, ailments and accidental injuries of senior citizens.
    key features of National
    • Cataract, organ transplant treatments are covered up to a certain limit
    • Coverage for existing hypertension and diabetes with additional premium
    • Coverage available for expenses like X-ray, Chemotherapy, Dialysis, Radiotherapy
    • Coverage for cancer, stroke, multiple sclerosis are covered without hospitalization
    • Bonus and health check-up cost is available on each claim-free year
    Buy now
  • National Insurance Mediclaim Policy
    The National Mediclaim Policy comes with 1 year tenure and the sum insured range between Rs. 50,000 to Rs. 5 lakhs.
    key features of National Mediclaim Policy
    • Lifelong renewal option
    • coverage for Ayurveda and Homeopathic treatment
    • SMS alert for claim updates
    • sum insured increases by 5% for every claim free year
    • 50% reimbursement of pre-policy check-ups cost upon acceptance
    Buy now

About National Health Insurance

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. Based in Kolkata, the company is known for its vast array of tailor made, cost effective and comprehensive National insurance mediclaim plans. Here is a list of National health insurance plans on offer for families and individuals.

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

Payment options for National insurance mediclaim policy

In order 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 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 scheme such as net banking, debit card and credit card.

Renewal procedure of National insurance mediclaim policies

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 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 scheme. Once 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 cover or you can do it yourself by logging into the National insurance portal.

Claim settlement process of National insurance mediclaim policy

Policyholders avail 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.

Various aspects of all National health insurance plans:

Name Entry age Maximum Renewability Age Sum Assured Coverage is available for

National insurance Mediclaim Policy

18 years to 65 years.

Children between 3 months and 18 years

Lifetime renewal

Rs.50,000 to Rs.5 lakhs

Individual or Family

National insurance Mediclaim Plus Policy

18 years to 65 years.
Children between 3 months and 18 years.

Lifetime renewal

Rs.2 lakhs to 50 lakhs

Individual or Family

Parivar Mediclaim Policy

18 years to 60 years.
Children between 3 months and 25 years

65 years

Rs.2 lakhs to Rs.5 lakhs (in increments of Rs.50,000).50% of chosen cover for every illness

Family

Parivaar Mediclaim Plus Plan

18 years to 60 years.
Children between 3 months and 25 years

Lifetime renewal

Rs 6 lakhs to Rs 50 lakhs.

Family

Varistha Mediclaim Policy

60 yrs. to 80 yrs.

90 yrs.(premium loading applies)

Critical Illness Cover – Rs.2 lakhs and Hospitalisation Cover – Rs.1 lakh

Individual in the age group of 60 yrs. to 80 yrs

Critical Illness Policy

20 yrs. to 60 yrs.

65 yrs.

Rs.5 lakhs, Rs.10 lakhs, Rs.20 lakhs, Rs.25 lakhs

Individual or Family

Cancellation process of National health insurance plans

If you want to call your National health insurance scheme off you have to fill up the surrender form and submit it to the nearest branch 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.

Duration of National insurance mediclaim policies

Most National health insurance policies come with one year validity. However, some National mediclaim insurance policies continue to be effective for two years before renewal.

Benefits of opting for National health insurance policies

  • 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
  • Cashless claims of a National health policy is settled in network hospitals and for out of network hospitals claims are reimbursed
  • National health policy for individuals can be availed by people in the age-group of 18 to 80 years and for national insurance health policy for families spouse and dependent parents and dependent children under 25 years are covered
  • Sum assured of a National health policy is in the range of Rs.1 Lakh to Rs.5 Lakhs
  • No National health policy come with loading clause even after claim on renewal
  • National health policy covers maternity costs for first 2 children only after 1 year
  • National health policy offers coverage for cataract surgery below 60 years up to Sum Insured
  • National mediclaim policy doesn’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 mediclaim policy comes with lifetime renewal option
  • National mediclaim policy provides coverage for pre-existing diseases only after 2nd year
  • National mediclaim policy doesn’t impose any co-pay for dependents or proposers up to 60 years. However, after 60 years 20% copay is applicable with every National insurance health policy
  • Dependent parents can claim up to 50% of National health policy sum insured

Free look period of National insurance health insurance plans

National insurance mediclaim plans come with a 15 days free look period. This period starts from the date of availing 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.

Exclusions of National insurance mediclaim policy

Naturopathy and homeopathy treatment are not covered in National health insurance policies.

National Health Insurance Plans