Health Insurance
Health Insurance
National Insurance Company Limited offers a range of mediclaim policies that provide financial
protection against hospitalization expenses, pre- and post-hospitalization costs, ambulance charges, and
certain day-care procedures. Coverage is available for individuals, families, and senior citizens, with sum
insured options typically ranging from ₹50,000 to ₹5 lakh.
Key National Insurance Mediclaim Policies
1. National Mediclaim Policy
Coverage:- Hospitalization due to illness or accident
- Pre- and post-hospitalization (30/60 days)
- Ambulance charges
- Domiciliary hospitalization
- ₹50,000 – ₹5 lakh.
- Individuals aged 18–65 years
- Dependent children from 3 months to 25 years
- Available for self, spouse, dependent children, and parents.
- Pre-existing diseases (covered after 4 years)
- Cosmetic surgery
- Dental treatment (unless accident-related)
2. National Mediclaim Plus Policy
Enhanced Coverage:- Includes maternity benefits
- Organ donor expenses
- Critical illness cover
- Higher sum insured options
- Up to ₹50 lakh.
- Daily cash allowance
- Outpatient treatment in select cases
3. National Senior Citizen Mediclaim Policy
Eligibility:- For individuals aged 60–80 years.
- Hospitalization
- Pre-existing diseases after 3 years
- Critical illness cover
- ₹1 lakh – ₹10 lakh.
- Tailored for elderly healthcare needs.
Benefits of National Insurance Mediclaim
Cashless treatment at over 6,000 network hospitals across India.
Tax benefits under Section 80D of the Income Tax Act.
Family floater option reduces premium costs compared to individual policies.
Renewability: Lifetime renewal available.
No-claim bonus: Increment in sum insured for claim-free years.
