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National Health Insurance Policy Review | National Insurance Health Plans Key features

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National Health Insurance Policies, different Plans under the National Insurance Company listed below. The NI Health Plans Details, Benefits, Key Features, NIH Plans Premium Calculator, Nations Insurance Health Plans Inclusions and Exclusions are provided on this page. The Individuals can get complete details regarding this NI Health Policy details here.

National Health Insurance Policy

The National General Insurance is one of the Best Policy in India. This Health Insurance Policy offers various plans for their customers. These Insurance Plans aim to help you to achieve better health and secure you. To overcome the medical burden National Insurance company provides Health Insurance Plan. This Policy coverage the medical treatment expenses. Here we have given the Coverages, Benefits and Key Features provided by National Insurance Medical Policies. The Various Health Insurance plans are given below.

  1. Overseas Mediclaim Business and Holiday.
  2. National Parivar Mediclaim.
  3. National Parivar Mediclaim Plus.
  4. Overseas Mediclaim Employment and Studies.
  5. National Mediclaim Plus Policy.
  6. Parivar Mediclaim.
  7. National Mediclaim Policy.

Overseas Mediclaim Business and Holiday Plan – National Insurance Health Policy

Overseas Mediclaim Policy is a policy which offers travel emergencies when the customer is travelling abroad. In this Health Insurance Plan 3 categories are available. Those are Business & Holiday, Employment and Study and Corporate Frequent Traveller.

National Parivar Mediclaim Plan – NIH Policy 

The National Parivar Mediclaim Policy is one of the best policy in Health Insurance Policies which provides the family including Spouse, self, Parents and dependent children under one sum insured. This National Parivar Mediclaim Policy can be renewed lifelong.

National Parivar Mediclaim Plus Plan – National Insurance Health Policy

The National Parivar Mediclaim Plus Policy offers the family including Spouse, children, self and parents under one floater sum insured. This Health Insurance Plan is a unique product which provides coverage as high as Rs. 50 Lakh, with many features. The Insurance Policy can be renewed lifelong.

Overseas Mediclaim Employment and Studies Plan – NI Health Policy

Overseas MediclaimPolicy is a package policy which provides travel emergencies when the policy insured is travelling abroad. In this Health Insurance Plan 3 categories are available. Those are given below.

  1. Business & Holiday.
  2. Employment and Study.
  3. Corporate Frequent Traveller.

National Mediclaim Plus Plan – National Health Insurance Policy

National Mediclaim Plus Policy offers traditional health covers, as it provides protection against health care costs and makes health care easy and accessible. This Health Policy provides pre & post hospitalisation and day care treatment expenses. The National Mediclaim Plus Policy covers expenses for newborn and children vaccination. Also, it also offers optional covers for Outpatient treatment and Critical illness.

Parivar Mediclaim Plan – National Insurance HealthPolicy

The Parivar Mediclaim policy offers protection to families against the medical, financial burden for the Medical treatment in hospitals for disease/ illness / accidental injury. This policy covers entire family consisting of the spouse, self and two dependent children sum insured.

National Mediclaim Plan – National Insurance Health Policy

The National Mediclaim Plan covered hospitalisation expenses reasonably and incurred for treatment of disease / illness or injury contracted / sustained by the policyholders during the policy period. This Policy also covers 140+ day care surgeries / procedures.

Health National Insurance Policy Features and Benefits

The National Health Insurance Policy offers many features for its customers. “Be the most preferred choice of customers” is the Vision of National Insurance Company. Before buy a new NI Health policy customer have to choose the plan based on the selected plan the benefits covered.

  1. Hospitalisation expenses.
  2. Maternity, Newborn baby.
  3. Infertility treatment.
  4. Air Ambulance expenses.
  5. Vaccination for children.
  6. Good Health Incentives.
  7. Discounts.
  8. The policy can be renewed lifelong.
  9. Entry age of members – 18 years to 65 years.
  10. Save Tax under Sec 80D.

NI Health Insurance Inclusions / Coverages

The National Health Insurance Policy provides various plans, and those plans cover the different types of loss. The Inclusions are declared at the Insurance Policy Agreement. Following are the Health Insurance Policy coverages.

  1. Pre-hospitalisation.
  2. Post-hospitalisation.
  3. Free Medical Check-up.
  4. Ambulance charges.
  5. Organ Donor Expenses.
  6. Daycare procedure.
  7. Medical Emergency Reunion.
  8. Doctor’s home visit and nursing care.
  9. Room, Boarding, nursing expenses.
  10. Anaesthesia, Blood, Oxygen, OT Charges, Surgical Appliances.

Optional covers:

  1. Critical Illness.
  2. Outpatient Treatment.
  3. Good Health Incentives.
  4. Cumulative Bonus (CB).
  5. Health Checkup.

Health Insurance Policy Exclusions of National Insurance

Policy exclusion eliminates coverage for some damages. In many insurance policies, the insuring agreement includes Exclusion details. The National Health Insurance Policy also contains some Exclusions for damages. Follow us for getting the NI Exclusion details about the Health Insurance plans. Here we have provided the National Health Insurance Policy Exclusions.

  1. Pre-Existing illness.
  2. No claim other than accidental injuries.
  3. Congenital diseases.
  4. Attempted suicide or intentionally self-inflicted Illness or Injury.
  5. All expenses related to AIDS and related diseases.
  6. Use of drugs or alcohol.
  7. War, riot, invasion, acts of terrorism, malicious damage.
  8. Nuclear perils.
  9. Ionising radiations.
  10. Participation in Military, Naval or Airforce operations.

National Medical Insurance Health Plans Premium Calculator

Mediclaim Insurance Premium Calculator is available for the customer to calculate the premium. To calculate the National Insurance Premium following details are required.

  1. Personal details.
  2. The number of members.
  3. Policy period.
  4. Age.
  5. Sum assured and other details.

Terms and conditions for National Insurance Health Policy

Entry Age for Proposer/Spouse
  • Minimum: 18 years
  • Maximum: 65 years
Entry Age for Dependent Children
  • Between the Age Group of 3 months and 18 years
Policy Period
  • 1 year
Sum Insured
  • Minimum: Rs. 50,000/-
  • Maximum: Rs. 5,00,000/- (In multiple of Rs. 25,000)
Renewal tillage
  • Lifetime renewal
Pre-policy medical checkup
  • Required for the age group of 50 years and above.

National Insurance Mediclaim Policy Buying Process

Health Insurance Policy is available at the Nearest Branch Office of the National Insurance Company. Also, you can buy a new National Insurance Mediclaim policy through online. The Online Process for buying is given below.

  1. Open the Official Website www.nationalinsuranceindia.nic.co.in.
  2. The National Insurance Homepage will display.
  3. Search for Categories of Insurance Policy.
  4. Click on the health option under Categories of Insurance Policy.
  5. Click on Buy Online option which is displayed under Health Insurance.
  6. A new page will display with various options.
  7. Fill the fields with correct details.
  8. And upload the required documents with specified size.
  9. Here you can Calculate Your Premium.
  10. After that, Payment page will display.
  11. Pay the Money through online.
  12. Finally, Submit your form.
  13. A receipt will display on the screen.
  14. Take a Print out for the further reference.

National Insurance Health Policy Renewal Process

National Insurance Mediclaim Policy Renewal is available at the Nearest Branch Office of the National Insurance Company. Also, you can Online Renewal Health Insurance policy through the official website. The Online Process for renewal is given below.

  1. Open the Official Website National Insurance Homepage.
  2. Search for Categories of Insurance Policy.
  3. Click on the health option under Categories of Insurance Policy.
  4. Click on Renew option which will display under Health Insurance.
  5. A new page will display with various options.
  6. Fill the fields with correct details.
  7. Pay the Money through online.
  8. Finally, Submit your form.
  9. A receipt will display on the screen.
  10. Take a Print out for the further reference.

National Medical Insurance Claim Process

The Customer can apply for Health Insurance Claim through online at the official website. The alternative ways to apply for the claim such as at Branch Office, Mail Id services and Helpline Number. The Online Claim Process is given below.

  1. Open the Official Website National Insurance Homepage.
  2. Click on Claim option from the Home page.
  3. Fill the fields with correct details.
  4. Submit your Claim Form.

Following information needs for intimating a claim.

  • Your Contact Numbers.
  • Policy Number and Membership ID number.
  • Name of Insured person who is Sick or Injured.
  • Nature of Sickness/ Accident.
  • Date & Time, Location of Loss in case of accident, commencement date of symptom of disease in case of sickness,
  • Place & contact details of the Insured Person.

The following documents required for the claim.

  • Claim form.
  • Regional policy Bond / Document.
  • Discharge form.
  • Payout Form.
  • Cancel check or Bank Passbook xerox.
  • Proof of Accident and Disability.
  • Death certificate ( If in the case of the eventual death of the life insured).
  • Proof of title.

National Insurance Company Details

The National Insurance Company Limited is a Government-owned General insurance company in India. This National Insurance Company was established on 6th December 1906. Universal Health Insurance, Bima Yojana, Rashtriya Swasthya Rajeev Gandhi Jeevandayee Yojana, etc. are some of the Social Sector services provided by the National Insurance Company. National General Insurance Company offers Motor Insurance, Health Insurance, Personal Insurance, Rural Insurance, Industrial Risk Insurance and Commercial Risk Insurance Policies. For more details regarding the National Insurance company visit the official website.