6 min read
Updated on Jul 13, 2022
About the Company
National Health Insurance is a renowned insurance company in India offering health coverage of an extensive range. The insurance company has a range of plans designed to cover most of the insurance requirements of individuals and families. These plans can be easily bought online by following simple steps.
National Health Insurance presents a vast choice of network hospitals with over 6000+ hospitals in the list that specifically cater to the needs of cashless treatment to policyholders. The insurance plans of the insurer are much sought after due to their exclusive features and benefits.
National Insurance Company is a central government backed company which is commonly known as NIC. It was established in 1906 and in 1972 the company was nationalized. With its head office in Kolkata, it is termed as one of the oldest General Insurance Companies in the country.
The company caters to comprehensive health policies with customized plans to cater to the needs of common people at large. They offer both individual as well as family floater plans along with overseas health insurance.
National Insurance Company provides top insurance solutions with over 1340 offices across India as well as in countries like Nepal. The company has tie-ups with over 6000+ network hospitals PAN India to allow policyholders to avail cashless treatment without having to compromise on quality of healthcare facilities as well as on the savings of the policyholders.
|Network Hospitals Available||6000+|
|Waiting Period (Pre-existing Ailments)||4 years|
|Claims Settlement Ratio||83.78%|
|Policies Issued||17, 24,290|
* Year Data 2019-20
The various benefits that can be availed by procuring National Health policies include:
The various National Insurance mediclaim policies offered by National Insurance company include:
Here is a detailed glance at some of the top National Health Insurance plans:
This is an individual health plan available with wide insurance coverage.
Features and Benefits:
2. National Super Top-up Mediclaim Policy
Features and benefits
Below are the steps to follow:
Health insurance provides the insured individual and his/her family the required coverage to stay protected from health emergencies. The process of National Insurance mediclaim policy renewal is easy and quick via the online renewal process. All you need is to provide a few details such as policy number of the active policy, and some personal information like name of insured, age and gender of insured as well as recent contact details.
Below are the steps to follow for National Insurance mediclaim renewal online:
National health insurance offers the facility of cashless as well as reimbursement claims.
Cashless Claim: To avail cashless claims, the insurer has to get the treatment done in a network hospital of the insurer. Here, the TPA register the claim at the hospital. Below are the steps to follow to file a cashless National insurance mediclaim:
Reimbursement Claim: In this claim process, the insured needs to make the payment of hospital bills on his/her own after undergoing treatment. Later, he/she can register a reimbursement claim. However, the policyholder should inform the insurer via calling them or emailing the company to inform them about the process of hospitalization.
The ratio of claims that are settled by an insurer during a policy year as against the complete claims that the insurer receives during the year is called Claim Settlement Ratio.
The claim settlement ratio of National Health insurance for the financial year 2019-20 was 83.78%.
National Health Insurance is a renowned insurance company in India with a range of plans designed to cover most of the insurance requirements of individuals and families. The company presents a vast network of 6000+ hospitals to specifically cater to the needs of cashless treatment of the policyholders. National Insurance Company is a central government-backed company established in 1906 and in 1972 the company was nationalized. With its head office in Kolkata, it is termed as one of the oldest General Insurance Companies in the country.
# Tax benefits
# Cashless benefits
# Add-on covers
# Overseas coverage
Yes, most National health plans allow portability features within the company from one plan to another as well as from one policy provider to another. You need to approach the company to avail this feature.
Cashless Claim: To avail cashless claims, the insurer has to get the treatment done in a network hospital of the insurer. Here, the TPA register's the claim at the hospital. Below are the steps to follow to file a cashless National insurance mediclaim:
# If the hospitalization is planned, the insurer should be informed prior to 72 hours of hospital admission.
# If it is emergency hospitalization, the TPA should be informed within 24 hours of hospital admission.
# Once admitted, the first requirement is to fill the pre-authorization form and get it signed by medical practitioner who is overseeing the treatment.
# Submit this signed form and other medical documents to TPA for availing cashless treatment.
# Once the insurer receives the request they convey their decision of approving or declining the claim to the hospital within 72 hours.
# If the claim is approved, the insurer pays the bills directly to the hospital
National Insurance Company offer insurances for diverse categories:
# Motor Insurance
# Health Insurance
# Personal Accident Insurance
# Householders' Insurance
# Shopkeepers' Insurance
# Rural Insurance
# Industrial & Commercial Insurance etc.
Below are the steps:
# Go to the website of National health Insurance.
# Click on ‘Renew’ on the home page.
# Submit policy details. Now, click on the tab ‘Renew’.
# Choose the quote that suits you aptly.
# Make the payment online.
Policyholders of National health insurance can make health insurance claims via any of the two options of cashless treatment or reimbursement claim option.
The documents required include:
Duly filled Claim form
Original bills received from the hospital
Medical history of the patient recorded
Discharge summary from the hospital
Other diagnosis and bill receipts etc.
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
About National Insurance Company This year, National Insurance Company is celebrating its 116th year in the country. National Insurance Company Limited is the oldest general.
About HDFC ERGO General Insurance Company: A joint venture between HDFC Limited and ERGO International AG, HDFC ERGO is a reputed general insurance company in.
Speak to our advisor
Corporate Office : Mahindra Insurance Brokers Ltd ( A Mahindra Group Company ) Sadhana House, Ground Floor, 570 P. B. Marg, Behind Mahindra Towers, Worli, Mumbai 400018.
Licenced by IRDAI License No. 261; License Validity : 17-05-2025; Category : Composite Broker; CIN : U65990MH1987PLCO42609 Member of Insurance Brokers Association of India (IBAI).
Insurance is the subject matter of solicitation.
For a seamless experience, use the latest version of Chrome/Firefox/Internet Explorer.
Copyright © 2022 Mahindra Insurance Brokers. All Right Reserved.