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National Health Insurance for Individual

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Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio83.78%
COVID-19 CoverYes
Network Hospitals6,000+
Policies Sold17,25,290
RenewabilityLifelong

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National Health Insurance Plans For Individual

    Name of PlanSum Insured
    National Mediclaim Plus Min: 3 Months; Max: 75 Years2 Lakh Check Premium
    National MediclaimMin: 3 Months; Max: 65 Years50 Thousand Check Premium

    National Insurance : Health Insurance for Individual

    National Mediclaim Plus Policy by National Insurance Company is an individual-based health policy. Available in three variants, viz-Plan A, Plan B, and Plan C with different sum insured options, the policy provides sizeable benefits to the insured. It also extends cover for family members, including spouse, parents and dependent or legally adopted children. The policy covers the costs of room, nursing charges, ICU, anaesthesia, medical practitioner fees, blood, OT charges, oxygen, surgical utensils, drugs, etc.

    Key Features

    • Sum Insured in Plan A from Rs. 2 Lakh to Rs. 10 Lakh in multiples of Rs. 1 Lakh
    • Sum Insured in Plan B Rs. 15 Lakh, Rs. 20 Lakh to Rs. 25 Lakh
    • Sum Insured in Plan C Rs. 30 Lakh, Rs. 40 Lakh, Rs. 50 Lakh
    • Maximum of 50% increase in sum insured for each claim-free year
    • 10% discount for family, youth and purchasing the policy online
    • Add-on/optional coverage for 8 specific critical illnesses mentioned in the policy wording
    • Lifetime renewal and health check-up every 2 years, irrespective of claims

    Scope of Coverage

    • Cover for maternity benefits up to different limits in Plan A, Plan B and Plan C
    • Cover for AYUSH treatment up to the sum insured
    • Pre & post-hospitalisation up to 30 days and 60 days respectively
    • Cover available for self, spouse, parents and dependent or adopted children
    • Cover for over 140 daycare procedures under the policy
    • Road & air ambulance and organ donor’s expenses up to sub-limits
    • Maternity, newborn and vaccination cover for children

    Eligibility

    The National Mediclaim Plus Policy is available for individuals aged between 5 years and 75 years. Children between 3 months and 5 years are covered with one or both parents under the policy.

    Exclusions

    • Expenses for the treatment of genetic disorders
    • Cataract, Hernia, Hydrocele, Anus, Piles, etc. during the first two years of the policy
    • Diagnostic, laboratory examinations not related to any treatment in hospital
    • Aesthetic or cosmetic treatment or procedure, dental treatment or any sort of corrective surgery
    • Contact lenses, spectacles, hearing aid, cochlear implants and so on

    Have any doubt about the policy? Feel free to contact InsuranceDekho at 1800-120-5698. Our experts will help you clear all the doubts about the National Mediclaim Plus Policy for Individuals.

    Health Insurance Coverage Calculator

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    National Health Insurance Contact Details

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    Claim Process at National Health Insurance

    • Network Hospital
    • Non-Network Hospital
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 72 hours prior to admission.
    • 3

      Claim Processing

      Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
    • 4

      Claim Settlement

      Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 72 hours and for planned hospitalisation intimate within 72 hours prior to admission.
    • 3

      Claim Processing

      Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
    • 4

      Claim Settlement

      Once your request for reimbursement of expenses is approved, the claim will be settled.

    FAQ About National Health Insurance

    • What is the policy tenure for individual health insurance offered by National Insurance?

      Individuals can purchase health insurance offered by National Insurance for a policy tenure of 1 year.

    • What is the age criteria for individuals under health insurance policies offered by National Insurance?

      The minimum and maximum entry age for individuals under health insurance plans offered by National Insurance is 18 years and 65 years. However, children aged between 3 months to 18 years can be added too if at least one parent is also covered under the same policy. 

    • What are the benefits of purchasing an individual health insurance plan from National Insurance?

      Given below are the benefits of purchasing individual health insurance from National Insurance-

      • 30 days pre-hospitalisation cover
      • 60 days post-hospitalisation cover
      • Over 140 daycare procedures
      • AYUSH treatment cover
      • In-patient hospitalisation cover
      • Good health incentives
    • What kind of policies are available with National Insurance Company online?

      National Insurance Company offers health insurance plans for individuals, families, senior citizens, parents, children, etc. People aged up to 65 years can be covered under these policies.

    • Who should buy a National Insurance individual health insurance plan?

      Individuals in need of a reliable health insurance policy, which can take care of medical expenses during an unexpected medical situation should buy a National Insurance individual health insurance policy. For policy buyers seeking individual health insurance, National Insurance has National Mediclaim and National Mediclaim Plus policies as the ultimate option.