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Top Features From National Health Plans

National Insurance is a preferred health insurance provider among individuals because of the following reasons

  • The company offers a range of health insurance plans which are suitable for the varied insurance needs of individuals
  • The premiums of its policies are low and affordable
  • Policies are also offered for travelling individuals who need health insurance coverage abroad
  • The company has a high claim settlement ratio and settles most of its claims quickly
  • The company provides 24*7 support and assistance to customers for their queries as well as grievances

Coverage offered by National Insurance mediclaim plans :

National Insurance Health Insurance plans provide a range of coverage benefits to policyholders. Some of the benefits which are covered under almost all health insurance plans offered by National Insurance include the following

  • Hospitalisation expenses : If you are hospitalised for a period of 24 hours or more, the costs incurred on such hospitalisation would be covered. These costs include rent of the hospital bed, ICU room rent, fees payable to surgeons, doctors, anaesthetists, nurses, etc., cost of blood or medicines, treatment costs, etc.
  • Pre-hospitalisation expenses : Expenses which are incurred before you are actually hospitalised are called pre-hospitalisation expenses. Health plans cover pre-hospitalisation expenses for a specific period
  • Post hospitalisation expenses : After you are discharged from the hospital you might incur medical costs for monitoring of your condition and for recovery. These expenses are called post hospitalisation expenses and they are covered for a specified period
  • Day care treatments : There are some treatments which do not need you to be hospitalised for 24 hours or more due to the advancements in the field of medicine.These treatments are called day care treatments and health insurance plans cover these treatments up to the sum insured
  • Domiciliary treatments : If you have to take medical treatments at your own home due to non-availability of any hospital bed or if you cannot be moved to the hospital, such treatments are called domiciliary treatments, National health insurance plans cover these domiciliary treatments up to specified limits
  • Organ donor treatments : The costs incurred in harvesting organs from an organ donor so that you can undergo a transplant surgery are covered under health insurance plans under the head organ donor treatments
  • Free health check-ups : Free health check-ups are value-added benefits which are available under National health insurance plans. The plans allow free medical check-ups at specified intervals so that you can monitor and track your health
  • Alternative treatments : Alternative treatments or AYUSH treatments are also covered under some National mediclaim policies. These treatments include treatments taken using non-allopathic means like Ayurveda, Homeopathy, etc.

Exclusions Across National Health Plans

Exclusions under National health insurance plans: Though National Insurance health insurance plans have a comprehensive scope of coverage, there are some instances and treatments which are not covered under any health plan. These are called exclusions and common exclusions found under every National insurance health policy includes the following

  • Suicide, self-inflicted injuries or attempted suicides are excluded
  • Pre-existing illnesses are not covered during a specific waiting period
  • Illnesses within the first 30 to 60 days of buying the policy are not covered
  • Illnesses or injuries suffered due to alcohol usage, drug usage and under the influence of any other intoxicants are not covered
  • Cosmetic treatments are not covered
  • Dental treatments and expenses incurred on outpatient basis are not covered under all health plans
  • Maternity related expenses are not covered unless the plan specifically covers them
  • Illnesses or injuries due to nuclear perils, war, rebellion and other related perils are not covered
  • Treatments for infertility, obesity, mental disorders and congenital abnormalities are not covered under most National medical insurance plans

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Yes, National Insurance offers a range of family floater health insurance plans which can be taken to cover your entire family including you, your spouse, dependent children and dependent parents

The group health insurance policy would give you limited coverage which might not be sufficient for the coverage needs of your family. The sum insured would also be limited and given the rising medical costs, you need a higher coverage level. Moreover, the group insurance coverage would be valid until you are employed with your employer. When you leave your job, the coverage would stop. It is, therefore, better to buy an independent health insurance plan covering all the family members and having an optimal level of sum insured

Yes, National health insurance plans allow coverage even if you have pre-existing illnesses. Pre-Existing diabetes would, however, be covered after a waiting period. Alternatively, if you want coverage from the start of the policy, you can pay an additional premium and get coverage for your diabetes

The coverage level depends on various factors which include the expected cost of treatments, the number of members covered, the city where you live (metro cities have higher hospitalisation costs than non-metro ones), etc. You should always choose a high level of sum insured so that the rising medical costs can be easily covered under your health insurance plan.
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