National Health Insurance
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 Insurance Health insurance plans
National Mediclaim policy
National Mediclaim policy is an okay policy for the most part. But if you are looking for comprehensive coverage this policy perhaps simply doesn't cut it, because it does have a few unsavoury conditions
National Parivar Mediclaim policy
National Parivar Mediclaim is an okay policy for the most part. But if you are looking for comprehensive coverage this policy doesn't cut it. Simply because family plans ought to have restoration benefits i.e. in the event multiple members in the family are hospitalized in the same year, you will want the insurer to restore your cover fully after the first claim.
National Senior Citizen Mediclaim policy
National Senior Citizen Mediclaim is definitely a decent policy if you’re 60+, with pre-existing diseases. After all, they'll start covering these pre existing complications after just 2 years (as opposed to 4 years). But if you have other choices this policy could be a letdown considering they do have a few unsavoury conditions.
National Mediclaim Plus policy
While the National Mediclaim Plus policy does impose some restrictions on the kind of room you can pick, it is pretty decent for the most part. Especially when you consider it even offers maternity benefits.
National Parivar Mediclaim Plus policy
If you are opting for a modest cover, say anything below 10 lakhs maybe you should reconsider your choice considering National Parivar Mediclaim plus policy doesn't offer you restoration benefits. Meaning, in the event multiple members in the family are hospitalized in the same year, your insurer won't restore your cover after the first claim. And it's quite possibly you might run out of the 10 lakhs before you know it.
National Super Top-up Mediclaim
While it is a decent super top up plan, you don't really get a disproportionately large cover with Super Top-up Mediclaim. The plan allows you to top up your base policy only by about 20 lakhs tops. So if you are ever hospitalized for a rare condition, then the cover might not suffice.
National Insurance Health insurance claim process
National Health Insurance claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of National Insurance'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:
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
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
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.
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.
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.
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
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