Here we discuss types of National Insurance health policies and National Insurance mediclaim policy details with the brief introduction…
National insurance company limited is one of the second largest public sector insurance companies of India. National provides best insurance to people from every walk of life. The Insurer come from the vast hospital facility where every insurer can avail cashless benefits all over India.
Some of the attractive features of National health insurance policies are Tax benefits, cashless benefits, add-on covers, overseas coverage etc.
Types of health insurance provided by the National insurance company are:
- National Mediclaim Policy
- National Mediclaim Plus Policy
- National Parivar Mediclaim
- National Parivar Mediclaim plus
- National Young India Mediclaim Policy
- National Corona Kavach policy
- Overseas Mediclaim Policy
- National Super top up Mediclaim Policy
- National Group Mediclaim Policy
National Mediclaim Policy
This policy is applicable for minimum 24 hours hospitalization treatment expenses. This may be the cashless or reimbursement procedure during the policy period.
Details of policy
- Annual Increase in sum insured by 5% for each claim free year up to maximum 50% of Sum insured.
- Installment facility is available under the policy.
- Online Discounts: 10%, where no intermediary is involved.
- Entry age is in between 18-65 years.
National Mediclaim Plus Policy
This policy is the highest sum insured policy and applicable for minimum 24 hours hospitalization treatment expenses. In some cases, this clause may be exempted. Claim process may be the cashless or reimbursement procedure during the policy period. This Policy provides for Pre-Hospitalisation and Post Hospitalisation expenses
Details of policy
- Sum insured options available range from ₹2- 50 lacs
- Health Check Up facility will be once at the end of a block of two (2) policy periods irrespective of claim reported, as per limits in the policy
- Entry age is in between 18-65 years
National Parivar Mediclaim Policy
Under sum insured, this policy covers the whole family. During the policy period, it also provides Expenses for In-Patient Care and it provides expenses for both Pre-Hospitalization and Post Hospitalization.
Details of policy
- Sum insured options available range from ₹ 1lac to ₹ 10 lacs.
- Hospital Cash Benefit can be applicable as per limits specified in the policy.
- Entry age is 18 -65years.
National Parivar Mediclaim plus Policy
Under sum insured, this policy covers the whole family. During the policy period, it also provides Expenses for In-Patient Care and it provides expenses for both Pre-Hospitalization and Post Hospitalization.
Details of policy
- Sum insured options available range from ₹ 6 lacs to ₹ 50 lacs based on the plans selected.
- Hospital Cash Benefit can be applicable as per limits specified in the policy.
- Entry age is 18 -65years.
National Young India Mediclaim Policy
This Policy provides for Pre-Hospitalisation and Post Hospitalisation expenses, any Day Care Procedures, Ambulance Charges, Morbid Obesity Treatment, Correction of Refractive Error, Maternity Benefit and provides for Reinstatement of Basic Sum Insured, if applicable as per terms. Optional Covers are available for this policy.
Details of policy
- Sum insured options available range from ₹3- 10 lacs.
- Maternity cover is only for one delivery within 2years of waiting period.
- Pre-existing disease will cover after 3 years only.
- Entry age is in between 18-43 years.
National Corona Kavach policy
This policy introduced in the global pandemic corona-19. It is provided for addressing basic health insurance needs of insuring public related to COVID-19. This Policy provides for Pre-Hospitalisation and Post Hospitalisation expenses
Details of policy
- Sum insured options available range from ₹50,000-₹5,00,000 lacs.
- Entry age is in between 18-65 years.
- Policy period is three and half, six and half, nine and half months.
- This policy can be taken for Individual or floater basis or group basis.
Overseas Mediclaim Policy
Overseas Mediclaim policy is a package policy. This policy covers travel emergencies of a traveler travelling abroad. It is available for three categories of travelers
- Business & Holiday
- Employment and Study
- Corporate Frequent Traveler
National Super top up Mediclaim Policy
National Super Top Up Mediclaim Policy is a elevated threshold health insurance product. It covers the whole family under a single sum insured on floater basis or each member on individual sum insured basis. The policy provides the customer to choose a high sum insured at reasonable cost.
Details of policy
- This policy can be renewed lifelong.
- Entry age is in between 18-65years
National Group Mediclaim Policy
National Group Mediclaim Policy is specially designed to provide health insurance for both employer-employee and non-employer covering all Social Sectors, Corporates / Non-Corporates. This Policy provides expenses for both Pre-Hospitalization and Post Hospitalization. During the policy period, it also provides Expenses for In-Patient Care (allopathic, Ayurveda and homeopathy) or Day Care Treatment (Mental Illness, HIV/AIDS, Modern treatments, Morbid Obesity, Refractive error etc).
In Group Mediclaim policy, there may be maximum of 7 members to claim the policy. Modern treatments like Robotic surgery, oral chemotherapies, immunotherapies and etc., Genetic disorder, Correction of eyesight are covered.
Details of policy
- Sum insured options available range from ₹ 50,000 to ₹ 10 lacs
- Optional Cover for Maternity up to ₹ 50,000/- for first two deliveries.
- If there is any pre-existing disease then it can be covered after 4 years.
- Entry age is 18 years and above.