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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
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  • 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 Insurance Varistha Mediclaim Policy

The senior citizens of our family are the head of the family. They have looked after us when we were very small and even now we look up to them for everything we do. The senior citizens of our family are also the people who suffer the most. Critical illness to different kinds of illness together makes a senior citizen suffer a lot.

The National Insurance Company has thought upon the matter and has brought into view the National Insurance Varistha Mediclaim policy that is specially made for the senior citizen to cover them against hospitalization and critical illnesses. Every senior citizen is also given a chance of co-payment as a clause. The policy can also be acquired with critical illness or without critical illness depending on the benefactor.

The benefits that are given with the policy are:

Room, boarding expenses as provided by the Hospital or the nursing home Covered upto 1% of the sum insured per day. ICU admission increases the cover to 2% (maximum is 25% of sum insured per illness)
Medical practitioner, surgeon, nursing expenses, anesthetist, specialist fees Covered upto 25% of the sum insured per illness
Blood, oxygen, anesthetist, surgical appliances, medicines, drugs, diagnostic material, radiotherapy etc Covered upto a maximum of 50% of the sum insured per illness
Domiciliary treatment Covered upto 20% of the basic sum insured
Ambulance charges Covered upto Rs.1,000 in 1 policy year
Cost of health check-up It reimburses the amount upto a maximum of 2% of average sum insured once after a block of 3 continuous claim free years
Pre-existing illness (hypertension and diabetes) Covered from the inception of the policy
Paralysis and blindness at an extra premium Requires additional premium which equals to 15% in each case or a 25% in case of both covers together.

The policy can be bought from:

Along with all these, there are many more features that can surely be of help in the National insurance Varistha Mediclaim policy. Unlike the other policies available in the market, this policy is keen on helping the senior citizens. You can call in a staff officer from the company who is always there and eager to guide you through the whole process step by step by visiting your house.

Some of the key features of the policy include:

  • The insured person can opt for a premium discount of 5% for each claim free year till it reaches 50%
  • Or he can select to increase the sum amount by the amount of the cumulative bonus at the time of renewal of the policy.
  • A pre policy medical checkup is not needed for the benefactor if the insured was covered under any health insurance for the preceding three years. For the rest, a pre policy medical checkup is necessary.
  • The benefactor has also to compulsorily bear 10% of the admissible claims.
  • A feature of 2% co-payment is also there for the benefactor which will entitle him for a premium discount of 10%

The additional features are:

Along with so many features of the policy, there are certain other features too. These additional features include a cashless facility given to the policy holders if the treatment is done through a networked hospital. If the treatment is availed in a non-networked hospital then the facility of reimbursement is given to the benefactor.

The coverage of the policy includes:

national

There are a few exclusions too:

When talking about the exclusions from the policy, the pre existing illnesses are covered after 1 policy year from the date the policy has been incepted. The claim period ranges from 30 days for general cover and 90 days in case of critical illness from the date of inception of the policy. There are certain disorders such as cataract, hernia, piles and others which are to be covered after the first policy year.

Eligibility to the policy includes:

  • One can avail this policy when he or she is in the age bracket of 60 years in the minimum and 80 years maximum.
  • The policy is covered under the term of 1 year and is renewable upto the age of 90 years.
  • It is an individual policy, solely for the senior citizen policy holder. The sum insured ranged from Rs.1,00,000 to the minimum to Rs. 2,00,000 for critical illness.

The annual estimated premium chart:

national

The total premium to be given for the age bracket of 60-65yrs (Mediclaim + critical illness) is Rs.6187. the same for 66-70yrs is Rs. 7236. Rs.7768 defines the same for the age bracket of 71-75yrs. The age bracket of 76-80yrs makes it Rs.9178.

Also to be noted that for the fresh entrants to National Insurance, the above given premium will be increased by 10%. If the insurer wants to cover any pre-existing disease such as diabetes or hypertension, an additional premium of 10% for each condition has to be paid for the first policy year.

Other companies offering the same kind of policies:

  • Star health senior citizen red carpet Insurance plan
  • Bajaj Allianz silver health for senior citizen
  • New India Assurance Mediclaim