Benefits of National Health Insurance
In the era of changing lifestyles where people are becoming more prone to illnesses and diseases, National Health Insurance is all set to provide them numerous benefits at the time of medical emergency. The fully government renowned and oldest general insurer NIC has its wings spread across various insurance domains such as-Motor Insurance, Health Insurance, Personal Insurance, Rural Insurance, Industrial Risk Insurance, and Commercial Risk Insurance. The company offers comprehensive health insurance policies with numerous coverage features. People can get themselves covered under any of the individual plans, family floater plans, senior citizen plans or group plans as provided by NIC.
The National Insurance Company offers many health insurance products at an affordable price to its potential customers. They can purchase policies on an individual or the family floater basis. Understanding the basic need of the customers to invest in the right health insurance plan, NIC provides a myriad of beneficial coverage features. The company has a dedicated team for claim settlement and it lets you purchase any product online that it offers.
Health insurance plans by National Insurance Company provides you several benefits including lifetime renewability, wide coverage, less premium, tax benefits, online renewal of policies, optional covers, a wide range of sum insured options, and so on. Let us look at the main benefits of paying for National Insurance health insurance policies -
Additional Benefit of Free Health Check upNational Insurance Companies through its health insurance plans provide the policyholders good health incentive check-up after every block of two claim free years up to a certain limit.
Additional Protection over Employer CoverageNowadays, most employers offer health insurance to their employees. But is that enough? Certainly not in many cases. This is because these plans do not provide total cover in certain aspects such as-clause for limit on room rent, clause for co-payment, etc. Therefore, these plans act as a secondary cover. To fulfil the remaining requirements, you need an additional plan from National Insurance Company that provides you a comprehensive cover without any connection with your company.
Cashless BenefitAt the time of medical emergency, National Insurance Company’s health insurance policies provide the facility of cashless claims while being treated at any network hospital. Policyholders can even claim reimbursement where cashless service is unavailable.
Claim Settement RatioClaim Settlement Ratio (CSR) is referred as the ratio of the claims settled by an insurance company as against the total number of claims presented in a financial year. National Insurance Company, as per the IRDAI (Insurance Regulatory and Development Authority), has a Claim Settlement Ratio of 85.47%*. *CSR changes from time to time.
Coverage against Medical ExpensesHealth insurance plans by National Insurance Company offer wide coverage to its policyholders which may include individual or families. These policies cover the policyholders with in-patient treatment, day care treatments, pre and post hospitalisation, ambulance cover and so on.
Incurred Claim RatioThe Incurred Claim ratio or ICR measures overall value of every claim that an insurance company has paid as against the total sum of premium collected. The Incurred Claim Ratio of the National Insurance Company as per the IRDAI is 115.55%*. *The ratio changes from time to time.
Tax BenefitThe policyholders can enjoy tax benefits under Section 80D of the Income Tax Act 1961 if they purchase any health insurance policy from National Insurance Company.
National Health Insurance Plan List
|Name of Plan||Sum Insured|
|National Mediclaim Plus Min: 3 Months; Max: 75 Years||2 Lakh||Get Quotes Now|
|National MediclaimMin: 3 Months; Max: 65 Years||50 Thousand||Get Quotes Now|
|Critical Illness Insurance PolicyMin: 18 Years; Max: 65 Years||1 Lakh||Get Quotes Now|
|Varistha Mediclaim PolicyMin: 60 Years; Max: 80 Years||1 Lakh||Get Quotes Now|
|National Parivar MediclaimMin: 3 Months; Max: 65 Years||1 Lakh||Get Quotes Now|
|National Parivar Mediclaim Plus PolicyMin: 3 Months; Max: 65 Years||6 Lakh||Get Quotes Now|
|Parivar Mediclaim Policy for FamilyMin: 18 Years; Max: 65 Years||2 Lakh||Get Quotes Now|
|Corona Kavach PolicyMin: 1 Day; Max: 65 Years||50,000 - 5 lakh||Get Quotes Now|
National Health Insurance User Reviews
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National Health Insurance FAQs
What is the toll-free customer care number of National Insurance Company?
The toll-free number of National Insurance Company Ltd.
What is the address of National Insurance Company?
The address of National Insurance Company Ltd.
3, Middleton Street, Prafulla Chandra Sen Sarani,
Kolkata, West Bengal, 700071.
How to buy and apply for health insurance plans by National Insurance Company?
You can visit the official website of National Insurance Company to purchase a policy, i.e. https://nationalinsurance.nic.co.in. You can also purchase it from the online broker’s website like insurancedekho.com.
Does National Insurance Company offer any discount to its policyholders?
Yes. The National Insurance Company offers discounts to the policyholders on some health insurance plans.
What kind of policies are available with National Insurance Company online?
Individual, as well as family health insurance policies, are available online with National Insurance Company. You can purchase health insurance policies from the company up to 65 years of age for sum insured of up to Rs. 50 Lakh.
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