National Insurance Company

Key Features

Claim Settlement Ratio 85.47%

Claim Settlement Facility 100%

Network Hospitals 6000

Renewability 100%

COVID-19 Cover Yes

Incurred Claim Ratio 115.55

National health insurance plans

National Young India Mediclaim policy

It is an indemnity based health insurance policy that can be issued on individual as well as family floater basis. The policy covers expenses incurred due to hospitalization for inpatient treatment or day care treatment during the policy period. The minimum and maximum sum insured under the policy is ₹3 lakhs and ₹10 lakhs respectively. The entry Age for this plan is 18 years to 43 years. The policy covers the alternative treatments up to the sum insured limit mentioned under the policy. A cumulative bonus of 5% to 50% is available under the plan for every claim free year.

National Mediclaim policy

The policy is designed to cover the day care procedures as well as the inpatient expenses. The minimum and maximum sum insured under the policy is ₹1 lakhs and ₹10 lakhs respectively. The entry Age under this plan is 18 years - 65 years. Treatment for morbid obesity is now covered after a specific waiting period. Medical expenses incurred for mental illness, HIV/AIDS and genetic disorders are covered under the policy. The policy provides for lifelong renewability.

Overseas Mediclaim Business & Holiday

This is a package policy designed to cover the travel emergencies and travel related losses when someone is traveling abroad. The policy is available for three categories of travelers namely Business & Holiday, Employment and Study, Corporate frequent traveler. The policy covers illnesses, medical evacuation and repatriation, personal accident and disablement, loss of checked in baggage, delay of checked in baggage, loss of passport, third party bodily injury and property damage. It is important to note that all the pre existing conditions are not covered under the plan. The plan doesn't cover if the insured is traveling against the advice of a medical practitioner or is traveling for medical treatment including routine checkup.

National Mediclaim plus policy

This policy is designed as a high sum insured policy which indemnifies inpatient treatment expenses as well as 140+ day care procedures on cashless or reimbursement basis. The plan is available in the sum insured range of ₹2 lakhs to ₹50 lakhs with 3 variants. The entry Age under this plan is 18 years minimum and a maximum of 65 years. The plan can be extended to the family members including self, Spouse, dependent children, dependent parents. The policy covers 12 modern treatments such as Robotic surgery, oral chemotherapies, immunotherapy etc. It also covers the alternative treatments such as Ayurveda, Yoga, Unani, Siddha and Homeopathy up to the sum insured mentioned under the policy. The pre and post hospitalization expenses under the plan are 30days and 60 days respectively. Maternity and newborn cover are available as per the limits mentioned under the plan.