Organisation : National Insurance Company Ltd
Facility : Health Insurance
Health Insurance :
https://nationalinsuranceindia.nic.co.in/portal/page/portal/Corporate/Home/HealthInsuranceProduct
Home Page : https://nationalinsuranceindia.nic.co.in/portal/page/portal/Corporate/Home
Health Insurance :
** Overseas Mediclaim Business and Holiday
** National Parivar Mediclaim
** National Parivar Mediclaim Plus
Related : National Insurance Procedure for taking a Policy & Lodging Settlement of Claims : www.statusin.in/1362.html
** Overseas Mediclaim Employment and Studies
** National Mediclaim Plus Policy
** Parivar Mediclaim
** National Mediclaim Policy
Overseas Mediclaim Business and Holiday :
Overseas Mediclaim Policy is a package policy which covers travel emergencies when someone is travelling abroad. It is available for three categories of travellers-
1) Business & Holiday
2) Employment and Study
3) Corporate Frequent Traveller
Salient Features :
1) The policy covers various travel emergencies faced whilst abroad.
2) Premium can be paid in Indian Rupees (except in case of Employment)
3) Claim assistance available from an international service provider
4) Claims are payable in foreign currency to Doctors / Hospitals abroad, directly by the service provider in most cases. In case, cashless service is not available insured can claim reimbursement
The policy can be purchased by any Citizens of India, Nepal or Bhutan going abroad for business or holiday purposes or any Foreign nationals working in India for Indian employers of multi-national organizations getting salary in Indian rupees
Covered :
As detailed above in the salient features section .
First US$ 100 of all claims is to be borne by the traveller.
For travelers over 70 years of age and above 60 days of journey, the following Medical reports (from an MD Cardiologist) need to be submitted along with the proposal form
1. ECG
2. Fasting Blood Sugar or Urine Strip test
In case of travellers unable to submit the above Medical reports cover stands restricted to USD 10,000.
Not Covered :
1. All pre-existing disease/illnesses are not covered (known and unknown).
2. Traveling against Medical advice or for Medical treatment including routine check-up.
3. Claims arising out of participation in Military, Naval or Airforce operations
4. Claims arising out of -Suicide/ intentional self injury/ mental disorder/ alcoholism/ drug abuse/HIV related illness including AIDS
5. Claims arising out of participation in winter sports/ mountaineering/ adventure sports etc.
National Parivar Mediclaim :
The National Parivar Mediclaim Policy is a floater policy which covers the family including self, spouse, dependent children and parents under one sum insured. The Policy can be renewed life-long.
Basic features :
** Hospitalisation expenses are covered.
** Treatment under Allopathy, Ayurveda, Homeopathy are covered upto full sum insured.
** Pre (30 days) and Post (60 days) Hospitalisation covered.
** 140+ Daycare treatments covered.
** Domiciliary treatment Up to 20% of SI, subject to maximum of INR 50,000
** Organ Donor’s expenses including pre and post hospitalisation
** Capping on any one illness No capping
New Features :
** Maternity, Newborn baby cover – Up to 10% of SI subject to INR 30,000 in case of normal delivery and INR 50,000 in case of caesarean section
** Infertility treatment Cover – Up to INR 50,000
** Anti-rabies vaccination Cover – Up to INR 5,000
** Medical second opinion – One MSO per family in a policy year, for 88 major illnesses
** Hospital cash benefit (per insured person, per day) – INR 300, max. of 5 days
** Ambulance expenses (per insured person, in a policy year) – Up to INR 1,000/- per illness & INR 2,500/-
** Zone wise rating with discounts on lower rated zones
** Optional cover (by paying additional premium)
** Pre-existing Diabetes & Hypertension – Up to the full Sum Insured
** Critical Illness Benefit amount – INR 2,00,000/ 3,00,000/5,00,000/10,00,000 in addition to the SI
** Out-patient treatment Limit of cover per family- INR 2,000/ 3,000/4,000/ 5,000/ 10,000 in addition to the SI
Other features :
** Good Health Incentives Health check up Benefit after every 4 claim free years up to INR 5,000
** No claim discount -@ 5% discount on base premium for each claim free year
** Discounts
** Online discount- @5% for new policies, @2.5% for renewal policies
** Long term discount – @4% for a two years’ term policy & @7.5% for a three years’ term policy
** Discount in lieu of Maternity/ Infertility cover after 45 years of age- @3% on the base premium for self and spouse
** Zonal discount- @4.4% for opting for Zone –II
** @11.11% for opting for Zone- III
** @20% for option for Zone-IV
** Income Tax Benefit (under section 80D of Income Tax Act)
Salient Features :
Sum insured option INR 1 Lac to 10 Lac in multiples of 1,00,000
(single sum insured for whole family)
Who can be covered Family including Self, Spouse, dependent children &Parents
Renewability Lifelong
Policy period Min – 1 year, Max – 3 years