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National Health Insurance Plans
National Young India Mediclaim Policy
The National Young India Mediclaim Policy is a health insurance plan made for individuals and families. It helps cover medical expenses in times of illness or accidents.Main Features and Benefits:Hospital stay, maternity costs, and mental illness treatments are covered.It also covers adventure sports injuries, HIV/AIDS, and genetic diseases.You can get treatment for severe obesity and eye problems (refractive error).AYUSH treatments (like Ayurveda, Yoga, etc.) and accident cover are also included.If your sum insured is ₹5 lakh or more, you get restoration benefit (your full cover is refilled after use).For every year without a claim, you get a 5% bonus, up to 50% extra cover.You can choose extra cover like no waiting time for diabetes/high BP and double cover for 11 serious illnesses.
National Mediclaim Policy (Individual)
The National Mediclaim Policy is a health insurance plan for one person. It helps pay for medical expenses when you are sick or need treatment.Main Features and Benefits:Pays for hospital bills, chemotherapy, and radiotherapy (cancer treatments).Covers treatment for HIV/AIDS, severe obesity, and eye problems (refractive error).Covers mental illness treatments and injuries from adventure or risky sports.For every year with no claim, you get a 5% bonus, up to 50% extra coverage.If your cover is Rs. 6 lakh or more, and you use it up, it will be refilled once.Pays for ambulance charges and AYUSH treatments (like Ayurveda, Homeopathy, etc.).You get a free health check-up after 4 years if you don’t make any claims.
National Mediclaim Plus Policy (Individual)
The National Mediclaim Plus Policy is a health insurance plan for one person. It gives wide protection against many types of illnesses and medical needs.Main Features and Benefits:You get free health check-ups every 2 years if there are no claims.It covers hospital bills, ambulance costs, and modern treatments like advanced surgeries.You can also get OPD (clinic visit) cover and critical illness cover as extra options.There is maternity cover and also cover for children’s vaccinations.The plan pays for injuries from risky sports and treatment for severe obesity and eye problems.It also covers medical emergency reunions (bringing family together during emergencies) and second medical opinions.If you don’t make any claims, you get a 5% bonus every year, up to a total of 50% extra coverage.
National Parivar Mediclaim Policy (Floater)
The National Parivar Mediclaim Policy is a health plan for the whole family. It gives one single cover amount that can be used by any family member when needed.Main Features and Benefits:You can get free health check-ups once every 4 years.It pays for hospital stays, home treatment (domiciliary care), and AYUSH treatments like Ayurveda and Homeopathy.It covers dangerous sports injuries, severe obesity treatment, and eye problems (refractive error).Maternity costs and infertility treatment are also covered.The policy includes coverage for anti-rabies vaccination and getting a second opinion from a doctor.You can also choose extra covers like OPD (clinic visits), critical illness cover, and early cover for diabetes or high BP.
National Senior Citizen Mediclaim Policy
The National Senior Citizen Mediclaim Policy is a special health plan for people aged 60 years and above. It helps cover medical costs for senior citizens during illness or emergencies.Main Features and Benefits:It covers hospital stays, day care treatments, and home care (domiciliary hospitalization).You get preventive health check-up benefits to help catch health problems early.You can also get extra cover for things like diabetes, high blood pressure, OPD visits, critical illness, and accidents.The policy pays for ambulance charges and even funeral expenses.Treatment for severe obesity, eye problems (refractive error), and injuries from adventure sports is included.If you meet with a road accident and your sum insured is used, the full amount will be refunded.For every year you don’t make a claim, you get a 5% bonus added to your coverage.
National Super Top Up Mediclaim Policy
The National Super Top Up Mediclaim Policy gives you extra medical cover when your main (base) health insurance is used up. It helps you stay protected during big or multiple medical expenses.Main Features and Benefits:If you stay in the hospital for more than 3 days, you get up to Rs. 2,000 per day as hospital cash.It pays for hospital stays, day care treatments, and modern medical procedures.It also covers AIDS treatment, eye problems (refractive error), and injuries from adventure sports.Maternity costs and treatment for morbid obesity are included, too.After being discharged, doctor, nurse, or attendant visits at home are also covered.If you do not make any claims in a year, you get a 5% bonus added to your coverage every year.
Vidyarthi Mediclaim Policy for Students
The Vidyarthi Mediclaim Policy is made for students to give them health insurance and cover accidents.Main Features and Benefits:It pays for hospital stays and also costs before and after hospital treatment.You don’t need to do any medical tests before buying this policy.The policy also covers personal accidents and helps pay for bringing students or guardians back home in emergencies.For every year without a claim, you get a 5% bonus that can add up to 50% extra coverage.It covers treatment for severe obesity as well.
National Critical Illness Policy
The National Critical Illness Policy helps you by giving money if you get one of 37 serious illnesses.Main Features and Benefits:When you are first diagnosed with a serious illness, you get a one-time lump sum payment.If you are younger than 42 years, you get a 5% discount when buying the policy.People up to 45 years old don’t need to do a medical check-up before buying this policy.After diagnosis, you must survive for 30 to 90 days (depending on the illness) to get the payment.
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FAQs
The free phone number to call the National Insurance Company is 1800-3450-330. You can call this number to get help.
National Insurance Company sells health insurance plans for people, families, senior citizens, parents, and children. Anyone up to 65 years old can buy these policies.
You can ask the hospital for cashless treatment at network hospitals, or you can pay first and then ask the insurance company to give you the money back.
Anyone from children to senior citizens can buy these plans. People up to 65 years old are usually covered.