National Health Insurance
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*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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Overview of 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.
National Health Insurance Plans
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.
Features & 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. The policy comes with a sum insured ranging from Rs 1 lakh to Rs 10 lakh.
Features & 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. The policy sum insured is available from Rs 2 lakh to Rs 50 lakh.
Features & 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. The policy sum insured ranges from Rs 1 lakh to Rs 10 lakh.
Features & 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. The plan offers a sum insured ranging from Rs 6 lakh to Rs 50 lakh.
Features & 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. The sum insured option ranges from Rs 1 lakh to Rs 10 lakh.
Features & Benefits:
- Hospitalization 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. 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.
Features & 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. The policy comes with a sum insured amount ranging from Rs 50,000 to Rs 2 lakh.
Features & 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. The sum insured ranges from Rs 1 lakh to Rs 75 lakh.
Features & 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
Why Should You Buy National Health Insurance Plans?
Check out some of the reasons why you should buy a National Health Insurance plan:
- Preventive Health Check-ups – Most National health insurance plans offer preventive health check-up facilities to the insured after a fixed block of claim-free years.
- No Pre-Policy Medical Check-up – Some of these health plans do not require applicants up to 45 years of age to undergo a medical check-up before buying the policy.
- Coverage for Hazardous Sports – Unlike other plans, most health plans by the National Insurance Company offer coverage for hazardous or adventure sports.
- Tax Benefits – The premium paid for buying a National health insurance policy is eligible for tax deductions under Section 80D, Income Tax Act.
- 24x7 Live Chat Support – The insurance company provides 24x7 chat support to the customers so that their queries are answered anytime.
How to File a Claim with 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.
Claim Settlement
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.
Documents Required for National Health Insurance Claim
Check out the list of documents required to raise a reimbursement claim under National health insurance:
- Duly filled claim form
- Hospital bills and payment receipts
- Medical history of the patient
- Discharge certificate/summary from the hospital
- Cash memo from the hospital/chemist with prescriptions
- Investigation test reports with payment receipts and prescriptions
- Doctor’s certificate specifying the diagnosis date
- Surgeon’s certificate specifying the nature of the operation and payment receipts
- Any other documents requested by the insurance company
National Health Insurance Network Hospitals
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:
How to Buy National Health Insurance Plans?
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.
How to Renew National Health Insurance Plans?
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.
How to Calculate National Health Insurance Premium?
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.
Contact Details of National Health Insurance
Here are the contact details of the National Insurance Company:
| 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) |
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. -
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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Q4. How can I check my National insurance details?
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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Q5. How to download a National health insurance policy?
Ans: You can download your National health insurance policy from the website of the insurance company. You can also download it from Policybazaar.com if you had purchased your health policy from the website.
- 30 minutes claim support*(In 120+ cities)
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