Key highlights of the company
Some of the key highlights which make National Insurance the third
-largest general insurance company are as follows:
| Gross written premium |
INR 5113.20 crores for Quarter2 of Financial Year 2022-23 |
| Number of offices |
1730 offices all over India and a foreign office in Nepal |
| Number of agents |
50,000 agents spread across the country |
| Number of employees |
13000 employees |
| Number of products offered |
300 products |
National Insurance Company Awards and Achievements
The company has received several national and international awards since its inception for its innovation and customer service. Some of the awards won by the company are as follows:
- The company won ‘The Best Healthcare Insurance Service Provider of the Year Award’ in the Healthcare Excellence Awards in 2021.
- It received the Economic Times Best Brand Award.
- The company was recognized as Economic Times' Iconic Brands 2018 in the general insurance category.
- The company was awarded the BFSI Best Brands Awards in the year 2016 by the Economic Times for its excellence in the general insurance category.
Here are the key features available in health insurance plans
National Insurance Company offers comprehensive health coverage as part of its portfolio of insurance products. They offer the following services:
| Features |
Meaning |
| Inpatient-hospitalization cover |
You are covered for hospitalization and treatment costs if you stay for 24 hours or longer in a hospital. |
| Pre-hospitalization cover |
The expenses incurred before being hospitalized for the illness for which you are claiming the insurance are also covered under the plan. |
| Post-hospitalization cover |
Certain post-operative expenses will be reimbursed following treatment and discharge subject to certain specified times and limitations. |
| Day-care cover |
A medical treatment that is provided over the course of one day is known as a "day-care" treatment. Such treatments are covered by the plan. |
| Ambulance cover |
In this category, ambulance costs are included which are incurred to take someone to a hospital. |
| Organ donor cover |
The cost of the donor's hospital stay and subsequent surgery is also covered in the National Insurance Health plan. |
| AYUSH cover |
Health insurance plans also cover Ayurveda, Unani, Homeopathy, and Siddha treatments that are non-allopathic in nature |
| Domiciliary cover |
In some cases, patients are treated at their homes due to a lack of hospital beds or medical complications. Such treatments are called domiciliary treatments and are covered in many plans |
| Free health check-ups |
National Insurance health plans offer free health screenings regularly to encourage you to monitor and assess your health. |
National Insurance Health Plan Exclusions
National Insurance Company Limited will cover some diseases or conditions in the policy, but some specific illnesses would be excluded from its coverage. The policy provides detailed information regarding the exclusions in the policy wording. Some of the common diseases or events that would be excluded from the coverage are as follows:
- Pre-existing conditions will disqualify you from coverage for a certain period if you purchase a policy
- A two-year waiting period is required for some illnesses and treatments. Examples include fractures, piles, joint replacements, cataracts, etc.
- A 30-day waiting period for illness incurring immediately after buying the plan
- Cosmetic surgery or weight loss surgery is not covered either
- Claims are not paid if they occur due to war, nuclear threats, mutiny, rebellion, or additional similar causes.
- Some activities which are excluded from the coverage are adventure sports, hazardous activities, and crimes.
- Suicides, self-inflicted injuries, substance or alcohol abuse, etc. are not covered
- The insurance company will not pay for treatments that are not prescribed by a doctor or are not scientifically justified
- Lenses, hearing aids, spectacles, and hearing aid batteries are not covered.
Health insurance plans offered by National Insurance
National Insurance offers a range of health insurance plans. Among them, the most popular ones that are available at PayBima are as follows –
- National Mediclaim Policy
An indemnity health insurance policy, the Mediclaim policy offers attractive coverage benefits at affordable premiums. Some of the salient features of the plan are as follows –
- Coverage for modern and robotic treatments
You can avail of coverage for modern and advanced treatments, including robotic treatments for specified illnesses. The treatments are covered up to specified limits allowing you quality healthcare facilities.
- Coverage for correction of eyesight
If you undergo any treatment for eyesight correction, the cost of such treatment would be covered under the policy up to specific limits.
- Coverage for hazardous activities
One of the USPs of the plan is the coverage allowed for adventure sports and hazardous activities. Coverage is allowed subject to specific terms and up to specified limits.
- Psychiatric and HIV cover
Treatments taken due to mental disorders and HIV/AIDS infections would also be covered under the policy.
Eligibility conditions
| Entry age |
18 years to 65 years |
| Sum insured |
Rs.1 lakh to Rs.10 lakhs |
| Policy term |
1 year to 3 years |
| Members covered |
Self, spouse, dependent children, parents, parents-in-law, and siblings only on an individual basis |
National Mediclaim Plus Policy
This policy is available as an individual plan. The salient features of the policy are as follows –
There are three plan options to choose from – Plans A, B
, and C. Each variant has a different sum insured and coverage structure allowing you to customize the coverage as per your needs.
If you need an air ambulance to transport you to a hospital, the cost of such an ambulance would be covered by the policy.
- Coverage for morbid obesity and eyesight correction
Obese morbidity requiring medical treatments and surgery, like bariatric surgery, is covered under the policy. Moreover, if you undergo treatments for correcting your eyesight, the cost of such treatments would also be covered up to specified limits.
There is coverage for childbirth, newborn babies as well as the first-year vaccinations of the newborn baby. The coverage is already a part of the plan and does not require you to pay an additional premium.
There are two optional add-on benefits of critical illness and outpatient treatments. You can add these coverage benefits to your policy at a small additional premium and enhance the coverage.
Eligibility conditions
| Entry age |
18 years to 65 years |
| Sum insured |
Rs.2 lakhs to Rs.50 lakhs |
| Policy term |
1 year to 3 years |
| Members covered |
Self, spouse, dependent children, parents |
National Super Top-up Mediclaim Policy
This is a super top-up health insurance plan which comes with a sum insured and a deductible limit. If the aggregate claims within a policy year exceed the deductible limit, the policy covers the excess claim. The salient features of the policy are as follows –
- Coverage for allopathic and non-allopathic treatments
Whether you avail of treatments through allopathic means or through non-allopathic means like Ayurveda, Unani, Homeopathy, and the like, the inpatient treatment costs would be covered by the plan
- Coverage for modern treatments
The policy covers modern treatments for specific illnesses. Moreover, 12 different types of robotic treatments are also covered under the policy
- Coverage for hazardous sports and activities
If you participate in hazardous acts or adventure sports and suffer any medical injury or complication, the plan would cover the same subject to specific limits.
Eligibility conditions
| Entry age |
Adults - 18 years to 65 years
Dependent children – 3 months to 18 years |
| Sum insured |
Rs.3 lakhs to Rs.20 lakhs |
| Deductible limit |
Rs.2 lakhs to Rs.10 lakhs |
| Policy term |
1 year |
| Members covered |
Self, spouse, dependent children, parents, or parents-in-law |
How can I buy a National Insurance Health plan?
The following steps will help you purchase National Insurance health insurance through PayBima.com:
- Begin with selecting the right plan
PayBima's official website has a comprehensive chart of plans under the category of 'health insurance'. Click on the link (
www.paybima.com ) to find the right health plan for yourself.
- Provide relevant information
The PayBima form will request your medical and personal information to calculate your premium according to your eligibility and coverage needs. Information about your dependents, the amount assured, your age, your gender, your location, and your contact information should be provided. You can also avail of personal assistance when buying health insurance through PayBima.
- Comparison of health plans
You will be able to view all the plans that are suitable for your coverage and eligibility on the PayBima website including National Insurance health plans. Compare the available plans so that you can find the best health plan.
Once your insurance policy has been finalized, you will have to fill out the proposal form with accurate information. At the time of filing the proposal form, please provide complete details to avoid any issues with the claim.
- Payment of insurance premium
Paying the premium ends the process of purchasing health insurance policies. The insurance company will instantly issue you a policy as long as there is no adverse information about your lifestyle or medical history on the proposal form.
A pre-entry health screening is required in certain circumstances, such as when you are older or have any illness. A medical screening may be provided by hospitals in the insurer's network. Undergo the screening after which the policy would be issued by the insurance company.
Process of Renewing Health Insurance
The PayBima website allows for both purchase and regular renewal of health insurance policies. Your current coverage will remain in effect if you renew your National Insurance health plan on time.
You can renew your plan online through Paybima easily and instantly by providing the company with your policy number and other information. You can modify your health policy during the renewal process. If you make any changes in the plan at the time of renewal, your premium will be adjusted proportionately for loading/extra benefits with high health risks. If you would like further information about renewing your plan, you can contact PayBima at
paybima.care@mahindra.com or by phone at 1800 267 67 67.
Claim procedure for National Insurance Health Insurance?
With PayBima, you can promptly file a hassle-free claim for your health insurance policy. Follow the steps below for successful claim settlement of National Insurance Health plan:
- Identifying network hospitals
The company offers a cashless facility to its policyholders. You can only use the cashless claim facility at network hospitals that you can locate via the company’s website. On its website, the insurance company provides a list of hospitals with which it is affiliated.
To prove your admission into the nearest networked hospital, you need to show your ID card and health card.
- Pre-authorization Claim form
Before a cashless settlement of a health claim can be accepted by the insurance company, a pre-authorization claim form must be completed. If you wish to pick up the form in person, you can do so at the insurance company's office or hospital. You can also download it from the company's website. Forms should be submitted at least three to four days in advance of your planned hospital stay. When you are hospitalized in an emergency you may file it within 24 hours too.
Cashless facilities are approved by insurers based on pre-authorized claim forms. The insurer will approve a claim before treatment is started for insured patients. Thereafter the company would settle the bills directly with the hospital.
- Reimbursement Claim Facility
Your claim will be resolved on a reimbursement basis if you are admitted to a non-networked hospital and do not opt for the cashless option. An insurance company must be notified in advance of a patient's admission to a non-network hospital. Even if you are admitted for an emergency, you can notify your insurer at any time before being discharged. At the time of discharge from the hospital, you will have to make the payment of all the bills and your provider will reimburse you for them provided that you have submitted original receipts, bills, and medical records for the further claim process. After your claim is assessed and your documents are verified, your claim will be reimbursed.
PayBima’s claims settlement process is quick and straightforward for our customers. If you need further assistance with your claim, call 1800 267 67 67 or send an email to
paybima.care@mahindra.com.
Obtaining certain documents is necessary before settling an insurance claim. The required documents are mentioned below:
- A valid identification proof of the insured person
- A written prescription from your doctor suggesting you need to be hospitalized
- The bank account information of the policyholder is needed for reimbursement cases
- All original medical documents
- Doctor’s notes
- Pre-authorisation claim form for cashless claims
Review of Health Insurance plans offered by National Insurance Company
The company offers comprehensive health insurance policies at a competitive price. Other highlighting features of the health insurance plan National Insurance include the following
- The company offers a range of coverage policies to target different sectors of the insurance industry.
- The company is a pioneer in bancassurance and has auto tie-ups in India.
- You can also avail of premium discounts to make your health plan affordable
- National Insurance products are available online and can be purchased in a hassle-free manner
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