Health Insurance
National
National Insurance, a public sector entity, is the oldest general insurance company dating way back to 1906, offering Health, Motor, Industrial and Rural Insurance. It has six health insurance policies covering Individual, Family and Senior citizens having a range of features. All the plans offer Health Check-up benefits and some even offer a decent Maternity benefit.
National Health insurance plans
National Mediclaim policy
The National Insurance National Mediclaim policy is a health insurance plan offering coverage with sum insured options ranging from 1L to 10L. It covers hospitalization expenses, daycare procedures, AYUSH, pre-post hospitalization [45-60 days], ambulance charges [ 1% of SI subject to a maximum of ₹ 2,000 in a Policy Period], and coverage for organ donor expenses and lifelong renewability. While it provides essential health protection, it lacks domiciliary coverage.
National Senior Citizen Mediclaim policy
The National Insurance National Senior Citizen Mediclaim plan is tailored for individuals aged 60 to 80 years, offering sum insured options from ₹1 lakh to ₹10 lakhs. It comes in two variants: Plan A, which covers essential treatments and procedures; and Plan B, which includes all Plan A benefits plus additional features like hospital cash allowance, funeral expenses, and reinstatement of sum insured In addition to this, Plan B includes features like daily hospital cash, post-discharge home care, reinstatement of sum insured after road accidents, funeral expenses, and OPD diagnostic consultations.
National Parivar Mediclaim Plus policy
The National Insurance National Parivar Mediclaim Plus plan is a family floater health insurance policy that offers sum insured options ranging from ₹6 lakhs to ₹50 lakhs across multiple plan variants. It includes benefits such as organ donor expenses, ambulance charges (both road & air), maternity coverage, vaccinations, and more. With lifelong renewability, cashless treatment at over 3,200 network hospitals, and tax benefits under Section 80D (Old Regime), it aims to provide comprehensive health protection for families. This policy has three variants: A, B, & C. And the primary difference between the three variants of National Parivar Mediclaim Plus lies in the sum insured options and room rent limits. Plan A offers coverage from ₹6 to ₹10 lakhs but has a room rent limit of 1% of the sum insured per day, which can lead to out-of-pocket expenses if you opt for higher room categories. Plan B offers higher coverage of ₹15 to ₹25 lakhs. Plan C offers ₹30 to ₹50 lakhs coverage with no room rent capping, making it more suitable for private hospital stays. Additionally, benefits like medical emergency reunion (airfare for a family member) are included only in Plans B and C. Plan C offers the most comprehensive coverage.
National Mediclaim Plus policy
The National Insurance National Mediclaim Plus policy is a comprehensive health insurance plan offering sum insured options from ₹2 lakhs up to ₹50 lakhs. It includes benefits like hospital cash allowance, ambulance charges, and medical second opinion for major illnesses. Room rent and ICU charges are capped as a percentage of the sum insured, and the plan offers a no-claim bonus of 5% per year up to 50%, making it suitable for families seeking broad coverage with moderate limits.
National Parivar Mediclaim policy
The National Insurance National Parivar Mediclaim policy is a family floater health insurance plan that covers family members under a single sum insured ranging from ₹1 lakh to ₹10 lakh. It includes optional add-ons such as critical illness cover, outpatient treatment, and pre-existing diabetes/hypertension cover. With lifelong renewability and tax benefits under Section 80D, it aims to provide affordable health protection for families.
National Super Top-up Mediclaim
The National Insurance National Super Top-up Mediclaim plan is designed to provide additional health coverage beyond a base policy, with sum insured options up to ₹80 lakhs and deductibles between ₹2 lakhs and ₹20 lakhs. The plan includes coverage for commonly excluded conditions like HIV/AIDS, bariatric surgery, and maternity (subject to waiting periods), with no room rent restrictions and no co-payment, making it a flexible top-up solution for individuals and families. While buying a super top-up policy can be useful, we recommend that you don’t buy one instead of a standalone health insurance plan. As the name suggests, it’s a top-up; something additional that you buy.
National Health insurance claim process
National claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of National's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Cashless Claims
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Insurer’s decision
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
Discharge
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Reimbursement Claims
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
Hospitalization
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Insurer’s decision
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
National Health Insurance Renewal
Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.
However, in case you choose to do it on your own, here’s what you need to do:
Visit the website
Visit the National website and then go to the Renewal section here.
Enter details
You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.
Review and edit the policy details
Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.
Complete the payment and it’s done
Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.
Few things to consider when renewing your National health insurance policy
- If you want to increase your Sum Insured, now is the time. You can’t do it anytime during the year.
- If you didn’t make a claim in the past year, make sure you have been given a no-claim bonus if your policy offers it.
- If you want to add members like your spouse or kids, you have the option to do so only at the time of renewal. So do give this a thought.
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