National offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of National
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to National for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the National policy
- The network hospital will send the hospital bill to National.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Intimate National about the hospitalization
- In case of planned hospitalization, inform the insurance provider before hospital admission.
- Obtain medical treatment
- During discharge, pay the hospital bill in full.
- Collect all the medical documents, hospital bills and receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
About National Health Insurance
National health insurance is offered by the National Insurance Company, which is the oldest general insurance company in India. The company was formed in December 1906 but was later merged with other companies to form one of the four subsidiaries of the General Insurance Corporation of India (GIC). However, it was delinked from GIC in August 2002 to operate as an independent insurance company.
The insurer offers a wide range of health insurance plans with customized plans for students, senior citizens, families, critical diseases and COVID-19. Moreover, the National Insurance Company has earned an incurred claim ratio of 125.53% in the financial year 2021-22.
Types of National Insurance Plans
The National Young Mediclaim policy has been designed to provide medical coverage to individuals and families.
Features and Benefits:
- In-patient hospitalization, maternity expenses and mental illnesses are covered
- Coverage for adventure sports, HIV/AIDS and genetic disorders are available
- Treatments for morbid obesity and refractive error are covered
- AYUSH cover and personal accident cover are also available
- Restoration of the sum insured (SI) for plans with SI Rs 5 lakh & above
- 5% cumulative bonus for up to 50% of the sum insured is granted for every claim-free year
- Waiver of PED diabetes/hypertension waiting period and double sum insured for 11 critical illnesses are available as optional covers
The National Mediclaim Policy is an individual health insurance plan designed to provide optimal coverage against medical expenses incurred by the insured.
Features and Benefits:
- Coverage for hospitalization expenses, chemotherapy and radiotherapy are available
- Treatment for HIV/AIDS, morbid obesity and refractive error is covered
- Coverage for mental illness and hazardous sports are available
- Both ambulance charges and AYUSH treatment are covered
- Preventive health check-up facilities available after every 4 claim-free years
- 5% cumulative bonus for up to 50% is available for every claim-free year
- Reinstatement of the sum insured is available for plans of SI Rs 6 lakh & above
The National Mediclaim Plus policy is a comprehensive plan designed to cover individuals against a wide range of diseases and medical conditions.
Features and Benefits:
- Costs of hospitalization, ambulance charges and modern treatments are covered
- Maternity cover and children's vaccination cover are available
- Coverage for hazardous sports, morbid obesity and refractive error are available
- Medical emergency reunion and medical second opinion are also covered
- Health check-up facilities available after every two years
- 5% cumulative bonus for up to 50% is granted for every claim-free year
- OPD cover and critical illness cover are available as options covers
The National Parivar Mediclaim policy has been designed to cover the medical expenses of the entire family on a floater sum insured basis.
Features and Benefits:
- In-patient hospitalization, domiciliary hospitalization and AYUSH treatments are covered
- Both maternity cover and infertility cover are available
- Costs of anti-rabies vaccination and medical second opinion are covered
- Coverage for morbid obesity, hazardous sports and refractive error treatment is available
- Health check-up facilities are available once in every 4 years
- OPD cover, critical illness cover and PED diabetes/hypertension are available as optional covers
The National Parivar Mediclaim Plus policy is a comprehensive health plan that covers the entire family on a floater sum insured basis.
Features and Benefits:
- Coverage for hospitalization and medical emergency reunion are available
- Maternity expenses, newborn baby expenses and infertility treatments are covered
- Medical second opinion and sum insured reinstatement in case of road traffic accidents are available
- Treatment of adventure sports injuries, refractive error and morbid obesity are covered
- Costs of health check-ups are covered after every 2 years
- Critical illness cover, OPD cover and PED diabetes/hypertension are available as optional covers
The National Senior Citizen Mediclaim policy is a customized plan designed to cover the medical needs of senior citizens of age 60 years and above.
Features & Benefits:
- ospitalization expenses, day care procedures and domiciliary hospitalization are covered
- Coverage for morbid obesity, refractive error and adventure sports injuries are available
- Ambulances charges and funeral expenses are also covered
- Reinstatement of the sum insured available in case of a road traffic accident is available
- 5% cumulative bonus is granted for every claim-free year
- Preventive health check-up benefits are available
- Option to cover PED diabetes/hypertension, OPD treatments, personal accidents and critical illnesses
The National Super Top Up Mediclaim policy has been designed to provide additional coverage to the insured in case the base policy gets exhausted.
Features and Benefits:
- Costs of hospitalization, day care procedures and modern treatments are covered
- Treatments for AIDS, refractive errors and adventure sports injuries are covered
- Coverage for maternity expenses and morbid obesity are available
- Post-hospitalization doctor/nurse/attendant's visit at home is covered
- 5% cumulative bonus is granted for every claim-free year
- Up to Rs 2000 daily hospital cash is paid in case of more than 3 days of hospitalization
The Vidyarthi Mediclaim policy for students has been designed to provide health insurance and personal accident coverage to students.
Features and Benefits:
- In-patient hospitalization, pre-hospitalization & post-hospitalization expenses are covered
- Coverage for HIV/AIDS and refractive error are available
- Treatment for mental illnesses and morbid obesity is covered
- Personal accident cover and repatriation expenses of students and guardians are covered
- 5% cumulative bonus for up to 50% is available on every claim-free year
- No pre-policy medical check-up is required before buying this policy
The National Critical Illness policy is designed to provide financial coverage for up to 37 critical illnesses.
Features and Benefits:
- Lump sum payment is made on the first diagnosis of the critical disease
- 5% early entry discount is given if the policyholder is less than 42 years old
- No pre-policy medical check-up is required for up 45 years
- Survival period varies from 30 days to 90 days
Key Benefits of National Health Insurance
or select from popular citiess In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Search National Cashless Network Hospital list
Policybazaar Claim Process
Here is the list of documents required to file a National health insurance claim:
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Claim FormDuly filled and signed National health insurance claim form
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Health Card/Policy CopyHealth card or a copy of National health insurance policy
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Medical DocumentsHospital discharge card, doctor’s prescriptions, test reports, etc.
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Medical Bills & Payment ReceiptsAll medical bills, including hospital bills and pharmacy bills, along with payment receipts
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KYC DocumentsKYC documents to be submitted for claims above ₹1 lakh
Note: The exact list of claim documents varies from case to case. Contact the customer support team for the complete list.
The process to buy a National Health Insurance plan is given below:
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Visit the Health Insurance SectionGo to the ‘Health insurance’ section on Policybazaar.com
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Fill in Personal DetailsProvide necessary details like age, mobile number, city, medical history, gender, etc.
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Pay the Premium OnlineChoose your preferred National health insurance policy and pay the premium online
The process to renew a National Health Insurance plan is given below:
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Go to the Renewal SectionNavigate to the ‘Renew Your Policy’ tab on Policybazaar.com and select ‘Health Renewal’
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Verify Your IdentityEnter your registered mobile number and the OTP sent to your device
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Pay the Renewal Premium OnlineSelect the National health insurance policy you want to renew and pay the premium online
Here are the contact details of National Health Insurance Ltd.:
| Categories | Contact Details |
|---|---|
| Toll-free No. | 1800-345-0330 |
| Phone No. | 033 6811 0000 033 2537 0070 040 2770 0011 |
| Email Id | customer.support@nic.co.in customer.portal@nic.co.in customer.relations@nic.co.in (for grievances) |
National Health Insurance: FAQs
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Q1. Is National Health Insurance good?
Ans: National health insurance is considered good as it offers a wide range of health plans to cater to the needs of individuals, families, students as well as senior citizens. It also comes with specific plans for COVID-19 and critical illnesses. Moreover, the insurance company has 24x7 live chat support that dedicatedly helps the customers at any time of the day.
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Q2. How to claim National Health Insurance?
Ans: You can claim a National health insurance policy by filing a cashless or reimbursement claim request. While cashless claims can only be raised at a network hospital of the National Insurance Company, reimbursement claims can be raised at other hospitals. All you need to do is inform the insurer and submit the required documents to get your claims settled.
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Q3. How can I find a nearby network hospital of National health insurance?
Ans: The National health insurance network hospital list can be found with your policy document. Alternatively, you can also check the list of network hospitals in different cities on Policybazaar.com
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
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