*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
Who would you like to insure?
Do you have an existing illness or medical history?
This helps us find plans that cover your condition and avoid claim rejection
What is your existing illness?
Select all that apply
When did you recover from Covid-19?
Some plans are available only after a certain time
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.
National health insurance plans can be used to obtain financial support in case of a medical emergency or planned treatment. Check out the list of health insurance plans offered by the National Insurance Company:
The National Young Mediclaim policy has been designed to provide medical coverage to individuals and families.The policy comes with a sum insured of Rs 3 lakh, Rs 5 lakh and Rs 10 lakh.
The National Mediclaim Policy is an individual health insurance plan designed to provide optimal coverage against medical expenses incurred by the insured. The policy comes with a sum insured ranging from Rs 1 lakh to Rs 10 lakh.
The National Mediclaim Plus policy is a comprehensive plan designed to cover individuals against a wide range of diseases and medical conditions. The policy sum insured is available from Rs 2 lakh to Rs 50 lakh.
The National Parivar Mediclaim policy has been designed to cover the medical expenses of the entire family on a floater sum insured basis. The policy sum insured ranges from Rs 1 lakh to Rs 10 lakh.
The National Parivar Mediclaim Plus policy is a comprehensive health plan that covers the entire family on a floater sum insured basis. The plan offers a sum insured ranging from Rs 6 lakh to Rs 50 lakh.
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. The sum insured option ranges from Rs 1 lakh to Rs 10 lakh.
The National Super Top Up Mediclaim policy has been designed to provide additional coverage to the insured in case the base policy gets exhausted. While the sum insured amount ranges from Rs 3 lakh to Rs 20 lakh, the deductible amount ranges from Rs 2 lakh to Rs 10 lakh.
The Vidyarthi Mediclaim policy for students has been designed to provide health insurance and personal accident coverage to students. The policy comes with a sum insured amount ranging from Rs 50,000 to Rs 2 lakh.
The National Critical Illness policy is designed to provide financial coverage for up to 37 critical illnesses. The sum insured ranges from Rs 1 lakh to Rs 75 lakh.
Check out some of the reasons why you should buy a National Health Insurance plan:
Check out the steps to file a cashless claim under the National health insurance policy:
Intimate National Insurance Company
Inform the insurance company about your planned hospitalization at least 72 hours in advance. However, the insurer must be informed about emergency hospitalization within 24 hours.
Request for Pre-Authorization
The hospital will send a pre-authorization request to the TPA of the insurance company for cashless treatment.
Get Approval for Cashless Treatment
The TPA will verify the documents sent by the hospital and accordingly grant approval for the cashless treatment.
Once you have received the treatment, the insurance company will settle the claim with the network hospital directly.
Submit the Documents
Submit all the documents for post-hospitalization expenses in original to the TPA within 15 days.
For reimbursement claims, pay the entire hospital bill at the time of getting discharged from the hospital and submit the required documents to the TPA. They will check your documents and accordingly, the insurer will pay the claim amount to you.
Check out the list of documents required to raise a reimbursement claim under National health insurance:
The National Insurance Company offers cashless treatment facilities at any of the empanelled hospitals in its network. Given below is a city-wise list of National health insurance network hospitals:
Take a look at the steps to buy a National health insurance policy online:
Step 1: Go to the official website of Policybazaar Insurance Broker Private Limited
Step 2: Click on the ‘health insurance’ icon on the page
Step 3: Select the people to be insured and fill in their age
Step 4: Enter the city of residence along with your contact details
Step 5: Choose if you have a medical history or pre-existing disease
Step 6: Select the National health insurance plan that you wish to buy
Step 7: Pay the premium after reviewing all the details
Step 8: The insurance company will issue you the policy on payment completion.
Take a look at the steps to renew a National health insurance policy online:
Step 1: Visit Policybazaar.com and click on ‘Renew Your Policy’ at the top of the page
Step 2: Select ‘Health Renewal’ from the dropdown menu
Step 3: Enter your mobile number and OTP
Step 4: New customers can click on the health insurance icon on the homepage and provide the requested details, such as age, city, phone number, etc.
Step 5: Choose the National health insurance policy to be renewed
Step 6: Pay the renewal premium amount
Step 7: The policy renewal will be done after successful payment.
People can calculate the premium of a National health insurance policy with the help of a premium calculator by entering details, such as the city, sum insured, policy year, etc. Check out the National health insurance premium calculator given below to calculate the premium of a health policy online.
Here are the contact details of the National Insurance Company:
|Phone No||033 6811 0000
033 2537 0070
040 2770 0011
email@example.com (for grievances)
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.
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
Ans: You can check the details of your National insurance policy by contacting customer care of the insurance company. If you bought the policy from Policybazaar.com, you can check the details online by logging in to your account.
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