National Health Insurance

National Health Insurance Overview National Insurance Company Limited (NICL), India’s one of the largest and oldest general insurance company which provides tailor made and comprehensive insurance plans.

The company has a series of cost efficient and best health insurance plans for individuals as well as for families which are namely:

Overseas Mediclaim Business and Holiday Plan

National Parivaar Mediclaim Plan.

National Parivaar Mediclaim Plus Plan.

Overseas Mediclaim Employment and studies Plan.

National Mediclaim Plus Plan.

Parivaar Medclaim Plan.

National Mediclaim Plan.

Now let’s have an overview of each plan:

Overseas Mediclaim Business and Holiday Plan:

This mediclaim plan covers basically the following group of travellers namely

Business and Holiday.

Employment and Study

Corporate Frequent Traveller.

The main features of the plan are:

This unique plan covers the risks of travelling abroad.

International Service Provider is available for claim support.

Other than the case of Employment, the premiums can be paid in Indian Rupees.

Service Providers makes payments in foreign currency to Doctors, Hospitals abroad.

Insured can claim reimbursement where cashless service is not available.

Eligibility:

Citizens of India, Nepal or Bhutan going abroad for holiday or business purpose or any Foreign Nationals working in India for Indian employers of multi-national organizations getting salary in Indian Rupees.

Coverage:

Travellers above 70 years of age and above 60 days of journey, there are certain medical reports from an MD Cardioloist which needs to be submitted with the proposal form which are ECG and fasting blood sugar or urine strip test. In case where the travelers are unable to submit the medical reports, the cover is limited to USD 10000. Traveller needs to incur first USD 100 from his own. Benefits:

Plans which are there under this are Plan A and Plan B for Business and Holiday which covers illness, medical evacuation, repatriation which starts from 50000 USD to 500000 USD under A1, A2, B1, and B2 plans.

Plan B is for Personal Accident and Disablement which starts from 10000 to USD 25000 USD under A1, A2, B1, and B2 plans. Plan C is for Loss of Checked Baggage which starts from 1000 USD to 1000 USD under A1, A2, B1, and B2 plans. Plan D is for Delay of Checked Baggage which starts from 100 USD to 100 USD underA1, A2, B1, and B2 plans. Plan E is for Loss of Passport which starts from 150 USD to 250 USD under A1, A2, B1, and B2 plans. Plan F is for Third Party Bodily Injury and Property Damage which starts from 200000 USD to 200000 USD under A1, A2, B1, and B2 plans.

National Parivaar Mediclaim Insurnace Plan This plan is a floater plan which covers the entire family including self, spouse, dependent children and parents under one sum assured.

Features And Benefits

Pre and Post Hospitalization expenses upto 30 days and 60 days respectively. 140 Plus Day care treatments where 24 hrs hospitalization is not required. Organ Donor hospitalization expenses. Domiciliary treatments are covered till 20% of Sum Insured with maximum limit of Rs 50000/-. Ayurvedic/ Homoeopathy treatments are also payable under this plan to the extent of full sum insured. Coverage under Maternity New Born upto 10% of Sum Insured subject to Rs 30000 in case of normal delivery and Rs 50000 in case caesarean.

Infertility Treatment cover for Rs 50000/-.

Anti-rabies vaccination coverage upto Rs 5000/-.

Hospital cash benefit per insured person one day Rs 300 maximum of 5 days.

Ambulance expenses Upto Rs 1000/- per illness and Rs 2500/- Zone wise rating .

In addition to the Sum Insured, a Critical Illness Benefit amount varies from Rs 2 lakhs, RS 3 lakhs, Rs 5 lakhs and Rs 10 lakhs. Good Health Incentive Check up Benefit is given after every 4 years of without claim upto maximum of Rs 5000/-. A 5 % discount on the base premium for each claim free year is allowed.

Discount

Eligibility & Tenure

Family including self, spouse, dependent children and parents under one sum assured of Rs 1 Lakh to Rs 10 lakhs for a period of minimum 1 year and maximum 3 years. This plan can be renewed life long.

National Parivaar Mediclaim Plus Plan This plan is a unique plan which covers not only the immediate family members but also the parent in laws as well. There are 3 plans available under these plans which are Plan A, plan B and Plan C. This plan offers a wide range of coverage from Rs 6 lakhs to Rs 50 lakhs.

PLAN A - Rs 6 lakhs- Rs 10 lakhs.

PLAN B - Rs 15 lakhs, Rs 20 lakhs, Rs 25 Lakhs.

PLAN C - Rs 30 lakhs, Rs 40 lakhs, Rs 50 Lakhs.

Features And Benefits

Pre and Post Hospitalization expenses upto 30 days and 60 days respectively.

140 Plus Day care treatments where 24 hrs hospitalization is not required.

Ayurvedic/ Homoeopathy treatments are also payable under this plan to the extent of full sum insured.

Organ Donor hospitalization expenses.

Domiciliary treatments for Plan A – Rs 100000, Plan B – Rs 200000 and Plan C- 200000 are covered.

Coverage under Maternity New Born Under Plan A Rs 30000 in case of normal delivery and Rs 50000 in case caesarean and for Plan B and Plan C its actual Coverage under Infertility Treatment under Plan A Upto Rs 50000, Plan B and Plan C upto Rs 100000.

Anti-rabies vaccination coverage upto Rs 5000/-. Hospital cash benefit per insured person one day for Plan A is for Rs 500 maximum of 5 days, Plan B is for Rs 1000 maximum of 5 days, Plan C is for Rs 2000 maximum of 5 days Ambulance expenses for Plan A 2500, Plan B 4000 and for Plan C 5000.

The Plus features includes Air Ambulance expenses for Plan A is not covered, Plan B and Plan C upto 5% of Sum Insured. Medical Emergency Reunion expenses for Plan A is not covered and under Plan B and Plan C there is no sublimit. Vaccination for children : male upto 12 years and female upto 14 years for Plan A upto Rs 1000, for Plan B and Plan C its on the actual.

Post hospitalization expenses for Doctor’s home visit and nursing care for Plan A is not covered , for Plan B Rs 1000/ day maximum of 10 days and for Plan C Rs 2000/ day maximum of 10 days. In addition to the Sum Insured, a Critical Illness Benefit amount varies from Rs 2 lakhs, RS 3 lakhs, Rs 5 lakhs , Rs 10 lakhs, Rs 15 lakhs, Rs 20 lakhs and Rs 25 lakhs.

Good Health Incentive Check up Benefit is given after every 2 years of without claim upto maximum of Rs 5000/- for Plan A, Rs 7500 for Plan B and Rs 10000 for Plan C. Discounts 5% for new policies and 2.5% for renewal policies.

Eligibility & Tenure

Family including self, spouse, dependent children, parents and parent in laws can be covered for a period of minimum 1 year and maximum 3 years. This plan can be renewed life long.

National Overseas Mediclaim Employment and studies Plan This plan covers basically the following group of travellers namely

Business and Holiday.

Employment and Study Corporate Frequent Traveller.

The main features of the plan are:

This unique plan covers the risks of travelling abroad. International Service Provider is available for claim support. Other than the case of Employment, the premiums can be paid in Indian Rupees. Service Providers makes payments in foreign currency to Doctors, Hospitals abroad. Insured can claim reimbursement where cashless service is not available.

Eligibility:

Citizens of India, Nepal or Bhutan going abroad for holiday or business purpose or any Foreign Nationals working in India for Indian employers of multi-national organizations getting salary in Indian Rupees.

Features And Benefits:

Plans which are there under this are Plan C and Plan D for Employment and Studies which covers illness under Section 1A which starts from 150000 USD to 500000 USD under C, D, D1, plans.

Section 1B covers for medical evacuation which starts from 10000 USD to USD 25000 USD under C, D, D1, plans.

Section 1C covers for Repatriation which starts from 10000 USD to 10000 USD under under C, D, D1, plans.

Section 1D covers for Medical Emergency which starts from 5000 USD to 5000 USD under under C, D, D1, plans.

Section II is Contingency Insurance for Sponsored Students is USD 750 for each month of study completed under under C, D, D1, plans.

Plan F is for Third Party Bodily Injury and Property Damage which starts from 200000 USD to 200000 USD under under C, D, D1, plans.

Plan D1 also includes loss of checked in baggage USD 1000 and delay in checked in baggage USD 100.