Claim Settlement Ratio 85.47%
Claim Settlement Facility 100%
Network Hospitals 6000
COVID-19 Cover Yes
Incurred Claim Ratio 115.55
The National health insurance premium is calculated on the basis of the factors such as the age of the prospect, sum insured opted by the customer, coverage required by the customer, add-on covers required, pre-existing conditions etc. The premium is underwritten up to a certain sum insured limit and the premium could change depending on the health condition of the applicant.
The national insurance company claim status can be known from the website of the company or you can call the toll free number 18003450330 to know the status of the claim. First the claim has to be registered with the insurance company and after registration you would get a claim tracking number which should be quoted in future for all the references. The cashless claim approval would be given within the shortest possible time and the claim would be settled directly to the hospitals whereas in case of reimbursement claim the customer has to submit all the necessary documents which are original and duly filled claim form to the insurance company for processing the claim. The claim would be processed once all the required documents are received by the insurance company.
Yes. You can include your parents under the health insurance policy only at the time of renewal. It is not possible to include any family member during the policy period. Addition of members during the policy period is possible only in case of an occurrence of an event such as marriage or child birth. So in case of parents the additions can be done only at the time of renewal on payment of additional premium. Most of the health insurance policies calculate the premium based on the highest age of the members in the policy. Therefore the overall premium of the policy would change as the premium would be calculated based on your parents age. In addition to this the insurer may request for pre policy medical checkup for your parents to be included in the policy.
The claim form of National health insurance can be downloaded here. The claim form should be duly filled and shared with the insurer for processing the claim. Improper claim form would lead to delay in claim settlement as the claim would not be settled without proper information.